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PT BFI Finance Indonesia TbkPBIIF 86 Debt-to-EBITDA is 4.79 as of Jun. 2026, which is 16% below its 10-year median of 5.70. GuruFocus rates PBIIF with a GF Score™ of 86/100 and a GF Value™ of $0.08. The stock has 6 warning signs investors should review. Among 284 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 64.44% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
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 BFI Finance Indonesia Tbk's Debt-to-EBITDA or its related term are showing as below:
PBIIF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.16 Med: 5.7 Max: 7.34
Current: 5.25
During the past 13 years, the highest Debt-to-EBITDA Ratio of PT BFI Finance Indonesia Tbk was 7.34. The lowest was 4.16. And the median was 5.70.
PBIIF's Debt-to-EBITDA is ranked better than 64.44% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs PBIIF: 5.25
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 BFI Finance Indonesia Tbk Debt-to-EBITDA Related Terms
PT BFI 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.
For the Credit Services subindustry, PT BFI 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 BFI Finance Indonesia Tbk Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PT BFI 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 BFI Finance Indonesia Tbk (PBIIF) has a Debt-to-EBITDA of 4.79 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 BFI Finance Indonesia Tbk. This is 16% below median its historical median of 5.70. Over the past decade, PT BFI Finance Indonesia Tbk's Debt-to-EBITDA has ranged from 4.16 to 7.34. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #101 out of 284 companies in the Credit Services industry, placing it in the top 35.6%.
Is PT BFI Finance Indonesia Tbk's Debt-to-EBITDA too high?
PT BFI Finance Indonesia Tbk's current Debt-to-EBITDA of 4.79 is 16% below median its 10-year median of 5.70. Over the past 10 years, this metric has ranged from a low of 4.16 to a high of 7.34. The Credit Services industry median Debt-to-EBITDA is 9.20. PT BFI Finance Indonesia Tbk's value of 4.79 is 47.9% below this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #101 out of 284 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT BFI Finance Indonesia Tbk has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does PT BFI Finance Indonesia Tbk's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #101 out of 284 companies for Debt-to-EBITDA. This puts PT BFI Finance Indonesia Tbk in the upper half of its industry. The industry median Debt-to-EBITDA is 9.20. PT BFI Finance Indonesia Tbk's value of 4.79 is 47.9% below this benchmark. Historically, PT BFI Finance Indonesia Tbk's own Debt-to-EBITDA has ranged from 4.16 to 7.34 over the past decade. While the company's 10-year median is 5.70 vs. the industry median of 9.20, PT BFI 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 9.20, 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 BFI Finance Indonesia Tbk's current Debt-to-EBITDA of 4.79 is 47.9% 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 BFI Finance Indonesia Tbk. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current Debt-to-EBITDA is 4.79, which is 16% below median its own 10-year median of 5.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT BFI Finance Indonesia Tbk stock overvalued right now?
PT BFI Finance Indonesia Tbk (PBIIF) has a current Debt-to-EBITDA of 4.79. The stock's GF Value™ is $0.08, compared to a current price of $0.07 — trading 12.5% below its estimated fair value. The current Debt-to-EBITDA is 4.79, which is 16% below median its 10-year median of 5.70 and 47.9% below the Credit Services industry median of 9.20. PT BFI Finance Indonesia Tbk's overall GF Score™ is 86/100 with 6 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 BFI Finance Indonesia Tbk (PBIIF), the current Debt-to-EBITDA is 4.79 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 BFI Finance Indonesia Tbk (PBIIF) Overvalued in 2026?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of $0.07 is trading 12.5% below its estimated GF Value™ of $0.08.
Key valuation signals for PBIIF:
Debt-to-EBITDA: 4.79 (16% below median its 10-year median of 5.70)
GF Value™: $0.08 vs. price of $0.07 (12.5% below fair value)
Industry Position: 47.9% below the Credit Services median (#101 of 284)
No single metric tells the full story. See the PBIIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT BFI Finance Indonesia Tbk is a multifinance company based in Indonesia. It offers Sharia financing solutions, such as umrah capital financing, financing for buying a used car, and other multipurpose Sharia-compliant credit products. Additionally, the company offers financial leasing solutions to individual and corporate customers who purchase or engage in the sale and leaseback of heavy equipment, machinery, motor vehicles, and other equipment. It also offers consumer financing for new and used cars purchased via dealers and secured financing for used cars, used motorcycles, and real estate. The company's operating segments are: Cars, Motorcycles, and Others. Maximum revenue is generated from the Cars segment, which includes income derived from car financing solutions.
86GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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