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PT Radana Bhaskara Finance TbkISX:HDFA 54 Debt-to-Equity is 4.90 as of Jun. 2026, which is 29% above its 10-year median of 3.80. GuruFocus rates ISX:HDFA with a GF Score™ of 54/100 and a GF Value™ of Rp110.12 (Fairly Valued). The stock has 4 warning signs investors should review. Among 453 Credit Services companies, PT Radana Bhaskara Finance Tbk ranks worse than 86.09% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for PT Radana Bhaskara Finance Tbk's Debt-to-Equity or its related term are showing as below:
ISX:HDFA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.31 Med: 3.8 Max: 8.39
Current: 4.9
During the past 13 years, the highest Debt-to-Equity Ratio of PT Radana Bhaskara Finance Tbk was 8.39. The lowest was 0.31. And the median was 3.80.
ISX:HDFA's Debt-to-Equity is ranked worse than 86.09% of 453
companies
in the Credit Services industry
Industry Median: 1.24
vs ISX:HDFA: 4.90
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
PT Radana Bhaskara Finance Tbk Debt-to-Equity Related Terms
PT Radana Bhaskara Finance Tbk Debt-to-Equity 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 Radana Bhaskara Finance Tbk's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Radana Bhaskara Finance Tbk Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Radana Bhaskara Finance Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT Radana Bhaskara Finance Tbk's Debt-to-Equity 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.
PT Radana Bhaskara Finance Tbk (ISX:HDFA) has a Debt-to-Equity of 4.90 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Radana Bhaskara Finance Tbk and its competitors. This is 29% above median its historical median of 3.80. Over the past decade, PT Radana Bhaskara Finance Tbk's Debt-to-Equity has ranged from 0.31 to 8.39. According to the industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #390 out of 453 companies in the Credit Services industry, placing it in the top 86.1%.
Is PT Radana Bhaskara Finance Tbk's Debt-to-Equity too high?
PT Radana Bhaskara Finance Tbk's current Debt-to-Equity of 4.90 is 29% above median its 10-year median of 3.80. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 8.39. The Credit Services industry median Debt-to-Equity is 1.24. PT Radana Bhaskara Finance Tbk's value of 4.90 is 295.2% above this industry median. Based on the distribution chart, PT Radana Bhaskara Finance Tbk ranks #390 out of 453 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PT Radana Bhaskara Finance Tbk has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Radana Bhaskara Finance Tbk's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #390 out of 453 companies for Debt-to-Equity. This places PT Radana Bhaskara Finance Tbk in the lower half of its industry. The industry median Debt-to-Equity is 1.24. PT Radana Bhaskara Finance Tbk's value of 4.90 is 295.2% above this benchmark. Historically, PT Radana Bhaskara Finance Tbk's own Debt-to-Equity has ranged from 0.31 to 8.39 over the past decade. While the company's 10-year median is 3.80 vs. the industry median of 1.24, PT Radana Bhaskara Finance Tbk has consistently been above 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-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 453 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Radana Bhaskara Finance Tbk's current Debt-to-Equity of 4.90 is 295.2% above 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Radana Bhaskara Finance Tbk and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Radana Bhaskara Finance Tbk's current Debt-to-Equity is 4.90, which is 29% above median its own 10-year median of 3.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Radana Bhaskara Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk (ISX:HDFA) is currently considered Fairly Valued. The stock's GF Value™ is Rp110.12, compared to a current price of Rp102.00 — trading 7.4% below its estimated fair value. The current Debt-to-Equity is 4.90, which is 29% above median its 10-year median of 3.80 and 295.2% above the Credit Services industry median of 1.24. PT Radana Bhaskara Finance Tbk's overall GF Score™ is 54/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For PT Radana Bhaskara Finance Tbk (ISX:HDFA), the current Debt-to-Equity is 4.90 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 Radana Bhaskara Finance Tbk (ISX:HDFA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk stock appears to be undervalued.
The current stock price of Rp102.00 is trading 7.4% below its estimated GF Value™ of Rp110.12.
GuruFocus considers PT Radana Bhaskara Finance Tbk to be Fairly Valued.
Key valuation signals for ISX:HDFA:
Debt-to-Equity: 4.90 (29% above median its 10-year median of 3.80)
GF Value™: Rp110.12 vs. price of Rp102.00 (7.4% below fair value)
Industry Position: 295.2% above the Credit Services median (#390 of 453)
No single metric tells the full story. See the ISX:HDFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressJl. TB Simatupang, No. 2 Rt. 001/Rw. 005, CIBIS Nine Building 11th Floor Suite W-16, Kel. Cilandak Timur, Kec. Pasar Minggu, Jakarta, IDN, 12560
PT Radana Bhaskara Finance Tbk is engaged in the field of financing institutions, which includes Investment Financing, Working Capital Financing and Multipurpose Financing, as well as other Financing business activities. The Sharia business activities include: Sale and Purchase Financing, Investment Financing, and Service Financing. Its segments include Factoring, ABF, and Legacy. It derives majority of revenue from factoring segment.
54GF Score
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