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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 Clipan Finance Indonesia Tbk's Debt-to-EBITDA or its related term are showing as below:
ISX:CFIN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.01 Med: 5.06 Max: 8.35
Current: 4.11
During the past 13 years, the highest Debt-to-EBITDA Ratio of PT Clipan Finance Indonesia Tbk was 8.35. The lowest was 3.01. And the median was 5.06.
ISX:CFIN's Debt-to-EBITDA is ranked better than 69.01% of 284
companies
in the Credit Services industry
Industry Median: 9.115
vs ISX:CFIN: 4.11
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 Clipan Finance Indonesia Tbk Debt-to-EBITDA Related Terms
PT Clipan Finance Indonesia Tbk Debt-to-EBITDA Historical Data
* 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.
PT Clipan Finance Indonesia Tbk Debt-to-EBITDA Chart
For the Credit Services subindustry, PT Clipan Finance Indonesia 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 Clipan Finance Indonesia Tbk Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia 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 Clipan Finance Indonesia Tbk (ISX:CFIN) has a Debt-to-EBITDA of 4.67 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 Clipan Finance Indonesia Tbk. This is near median its historical median of 5.06. Over the past decade, PT Clipan Finance Indonesia Tbk's Debt-to-EBITDA has ranged from 3.01 to 8.35. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #88 out of 284 companies in the Credit Services industry, placing it in the top 31%.
Is PT Clipan Finance Indonesia Tbk's Debt-to-EBITDA too high?
PT Clipan Finance Indonesia Tbk's current Debt-to-EBITDA of 4.67 is near median its 10-year median of 5.06. Over the past 10 years, this metric has ranged from a low of 3.01 to a high of 8.35. The Credit Services industry median Debt-to-EBITDA is 9.12. PT Clipan Finance Indonesia Tbk's value of 4.67 is 48.8% below this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #88 out of 284 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #88 out of 284 companies for Debt-to-EBITDA. This puts PT Clipan Finance Indonesia Tbk in the upper half of its industry. The industry median Debt-to-EBITDA is 9.12. PT Clipan Finance Indonesia Tbk's value of 4.67 is 48.8% below this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own Debt-to-EBITDA has ranged from 3.01 to 8.35 over the past decade. While the company's 10-year median is 5.06 vs. the industry median of 9.12, PT Clipan Finance Indonesia Tbk has consistently been below the industry average. 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 9.12, based on 284 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. PT Clipan Finance Indonesia Tbk's current Debt-to-EBITDA of 4.67 is 48.8% below the industry median. 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 Clipan Finance Indonesia Tbk. For the Credit Services industry, the median Debt-to-EBITDA is 9.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Clipan Finance Indonesia Tbk's current Debt-to-EBITDA is 4.67, which is near median its own 10-year median of 5.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Clipan Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk (ISX:CFIN) is currently considered Fairly Valued. The stock's GF Value™ is Rp329.49, compared to a current price of Rp348.00 — trading 5.6% above its estimated fair value. The current Debt-to-EBITDA is 4.67, which is near median its 10-year median of 5.06 and 48.8% below the Credit Services industry median of 9.12. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 72/100 with 2 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 Clipan Finance Indonesia Tbk (ISX:CFIN), the current Debt-to-EBITDA is 4.67 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 Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp348.00 is trading 5.6% above its estimated GF Value™ of Rp329.49.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:CFIN:
Debt-to-EBITDA: 4.67 (near median its 10-year median of 5.06)
GF Value™: Rp329.49 vs. price of Rp348.00 (5.6% above fair value)
Industry Position: 48.8% below the Credit Services median (#88 of 284)
No single metric tells the full story. See the ISX:CFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Clipan Finance Indonesia Tbk is an Indonesian company engaged in providing financing solutions for new cars, used cars, heavy equipment, and multipurpose vehicles. Its operating segments are: Factoring, Sale and leaseback, Finance lease, and Consumer financing. The majority of its revenue is generated from the Consumer financing segment, which includes income generated from services like investment financing, working capital financing, and multi-purpose financing.
72GF Score
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