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PT KDB Tifa Finance TbkISX:TIFA -1.83%72 Debt-to-Equity is 0.56 as of Jun. 2026, which is 48% below its 10-year median of 1.08. GuruFocus rates ISX:TIFA with a GF Score™ of 72/100 and a GF Value™ of Rp525.55 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 450 Credit Services companies, PT KDB Tifa Finance Tbk ranks better than 68.22% 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 KDB Tifa Finance Tbk's Debt-to-Equity or its related term are showing as below:
ISX:TIFA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.34 Med: 1.08 Max: 3.31
Current: 0.56
During the past 13 years, the highest Debt-to-Equity Ratio of PT KDB Tifa Finance Tbk was 3.31. The lowest was 0.34. And the median was 1.08.
ISX:TIFA's Debt-to-Equity is ranked better than 68.22% of 450
companies
in the Credit Services industry
Industry Median: 1.22
vs ISX:TIFA: 0.56
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 KDB Tifa Finance Tbk Debt-to-Equity Related Terms
PT KDB Tifa 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 KDB Tifa 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 KDB Tifa Finance Tbk Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT KDB Tifa Finance Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT KDB Tifa 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 KDB Tifa Finance Tbk (ISX:TIFA) has a Debt-to-Equity of 0.56 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT KDB Tifa Finance Tbk and its competitors. This is 48% below median its historical median of 1.08. Over the past decade, PT KDB Tifa Finance Tbk's Debt-to-Equity has ranged from 0.34 to 3.31. According to the industry distribution chart, PT KDB Tifa Finance Tbk ranks #143 out of 450 companies in the Credit Services industry, placing it in the top 31.8%.
Is PT KDB Tifa Finance Tbk's Debt-to-Equity too high?
PT KDB Tifa Finance Tbk's current Debt-to-Equity of 0.56 is 48% below median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 3.31. The Credit Services industry median Debt-to-Equity is 1.22. PT KDB Tifa Finance Tbk's value of 0.56 is 54.1% below this industry median. Based on the distribution chart, PT KDB Tifa Finance Tbk ranks #143 out of 450 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT KDB Tifa Finance Tbk has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT KDB Tifa Finance Tbk's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, PT KDB Tifa Finance Tbk ranks #143 out of 450 companies for Debt-to-Equity. This puts PT KDB Tifa Finance Tbk in the upper half of its industry. The industry median Debt-to-Equity is 1.22. PT KDB Tifa Finance Tbk's value of 0.56 is 54.1% below this benchmark. Historically, PT KDB Tifa Finance Tbk's own Debt-to-Equity has ranged from 0.34 to 3.31 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 1.22, PT KDB Tifa Finance 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-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.22, based on 450 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 KDB Tifa Finance Tbk's current Debt-to-Equity of 0.56 is 54.1% 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-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 KDB Tifa Finance Tbk and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT KDB Tifa Finance Tbk's current Debt-to-Equity is 0.56, which is 48% below median its own 10-year median of 1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT KDB Tifa Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk (ISX:TIFA) is currently considered Possible Value Trap. The stock's GF Value™ is Rp525.55, compared to a current price of Rp322.00 — trading 38.7% below its estimated fair value. The current Debt-to-Equity is 0.56, which is 48% below median its 10-year median of 1.08 and 54.1% below the Credit Services industry median of 1.22. PT KDB Tifa Finance Tbk's overall GF Score™ is 72/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For PT KDB Tifa Finance Tbk (ISX:TIFA), the current Debt-to-Equity is 0.56 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 KDB Tifa Finance Tbk (ISX:TIFA) Overvalued in 2026?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk stock appears to be undervalued.
The current stock price of Rp322.00 is trading 38.7% below its estimated GF Value™ of Rp525.55.
GuruFocus considers PT KDB Tifa Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:TIFA:
Debt-to-Equity: 0.56 (48% below median its 10-year median of 1.08)
GF Value™: Rp525.55 vs. price of Rp322.00 (38.7% below fair value)
Industry Position: 54.1% below the Credit Services median (#143 of 450)
No single metric tells the full story. See the ISX:TIFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT KDB Tifa Finance Tbk is a financial service company. Its activities comprise investment financing, sharia financing, working capital financing, multipurpose financing, other financing business activities based on approval of OJK, operating lease, and/or fee-based activities to the extent not inconsistent with legislation. The Company has four segments, including finance lease, multipurpose financing, sharia financing, and treasury. It generates maximum revenue from the Finance Lease segment.
72GF Score
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