Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for PT Buana Finance Tbk's Debt-to-EBITDA or its related term are showing as below:
ISX:BBLD'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -232.89 Med: 57.55 Max: 252.69
Current: -226.29
During the past 13 years, the highest Debt-to-EBITDA Ratio of PT Buana Finance Tbk was 252.69. The lowest was -232.89. And the median was 57.55.
ISX:BBLD's Debt-to-EBITDA is ranked worse than 100% of 282
companies
in the Credit Services industry
Industry Median: 8.565
vs ISX:BBLD: -226.29
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
PT Buana Finance Tbk Debt-to-EBITDA Related Terms
PT Buana Finance Tbk Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for PT Buana Finance Tbk's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, PT Buana Finance Tbk's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PT Buana Finance Tbk Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PT Buana Finance Tbk's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
PT Buana Finance Tbk (ISX:BBLD) has a Debt-to-EBITDA of -1,396.70 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PT Buana Finance Tbk. According to the industry distribution chart, PT Buana Finance Tbk ranks #999999 out of 282 companies in the Credit Services industry.
Is PT Buana Finance Tbk's Debt-to-EBITDA too high?
PT Buana Finance Tbk's current Debt-to-EBITDA is -1,396.70. Based on the distribution chart, PT Buana Finance Tbk ranks #999999 out of 282 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PT Buana Finance Tbk has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Buana Finance Tbk's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, PT Buana Finance Tbk ranks #999999 out of 282 companies for Debt-to-EBITDA. This places PT Buana Finance Tbk in the lower half of its industry. The industry median Debt-to-EBITDA is 8.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.57, based on 282 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PT Buana Finance Tbk. For the Credit Services industry, the median Debt-to-EBITDA is 8.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Buana Finance Tbk's current Debt-to-EBITDA is -1,396.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Buana Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Buana Finance Tbk (ISX:BBLD) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp805.82, compared to a current price of Rp690.00 — trading 14.4% below its estimated fair value. The current Debt-to-EBITDA is -1,396.70. PT Buana Finance Tbk's overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For PT Buana Finance Tbk (ISX:BBLD), the current Debt-to-EBITDA is -1,396.70 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PT Buana Finance Tbk (ISX:BBLD) Overvalued in 2026?
Based on GuruFocus' analysis, PT Buana Finance Tbk stock appears to be undervalued.
The current stock price of Rp690.00 is trading 14.4% below its estimated GF Value™ of Rp805.82.
GuruFocus considers PT Buana Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BBLD:
Debt-to-EBITDA: -1,396.70
GF Value™: Rp805.82 vs. price of Rp690.00 (14.4% below fair value)
No single metric tells the full story. See the ISX:BBLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressJalan Prof. Dr. Satrio Kav. 11, Lantai 38, Unit A-F, Office Tower, Ciputra World 2, Karet Semanggi, Setiabudi, South Jakarta, Jakarta, IDN, 12950
PT Buana Finance Tbk is engaged in Investment Financing, Working Capital Financing, Multipurpose Financing, other financing business activities subject to OJK approval, and other supporting business activities. Its Investment Financing activities include Financial Lease, Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Installment Financing, Project Financing,. Infrastructure Financing; Working Capital Financing includes Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Working Capital Facility. The company's operating segments represent the product types: finance lease and consumer financing.
57GF Score
Get the complete analysis for ISX:BBLD
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:BBLD has been successfully added to your 
