PT Buana Finance Tbk (ISX:BBLD) E10: Rp37.74 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ISX:BBLD PT Buana Finance Tbk ISX:BBLD
58 GF Score
Price Rp545.00
GF Value Rp831.64
Valuation Possible Value Trap
! 7 Warning Signs
View Full Analysis

What is PT Buana Finance Tbk E10?

PT Buana Finance Tbk ISX:BBLD +1.87% 58 E10 is Rp37.74 as of Mar. 2026. GuruFocus rates ISX:BBLD with a GF Score™ of 58/100 and a GF Value™ of Rp831.64 (Possible Value Trap). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

PT Buana Finance Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was Rp3.330. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp37.74 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Buana Finance Tbk's average E10 Growth Rate was -6.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-14), PT Buana Finance Tbk's current stock price is Rp545.00. PT Buana Finance Tbk's E10 for the quarter that ended in Mar. 2026 was Rp37.74. PT Buana Finance Tbk's Shiller PE Ratio of today is 14.44.

During the past 13 years, the highest Shiller PE Ratio of PT Buana Finance Tbk was 25.40. The lowest was 11.71. And the median was 16.43.


PT Buana Finance Tbk  (ISX:BBLD) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

PT Buana Finance Tbk's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=545.00/37.74
=14.44

* 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.

During the past 13 years, the highest Shiller P/E Ratio of PT Buana Finance Tbk was 25.40. The lowest was 11.71. And the median was 16.43.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


PT Buana Finance Tbk E10 Related Terms


PT Buana Finance Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Buana Finance Tbk's E10 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.

PT Buana Finance Tbk E10 Chart

PT Buana Finance Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 43.11 41.70 38.72

PT Buana Finance Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 40.35 39.18 39.36 38.72 37.74

ISX:BBLD vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, PT Buana Finance Tbk's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where PT Buana Finance Tbk's Shiller PE Ratio falls into.


ISX:BBLD
58GF Score
PT Buana Finance Tbk ISX:BBLD
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Buana Finance Tbk E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PT Buana Finance Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.33/136.5387*136.5387
=3.330

Current CPI (Mar. 2026) = 136.5387.

PT Buana Finance Tbk Quarterly Data

per share eps CPI Adj_EPS
201606 7.310 103.212 9.670
201609 7.784 104.142 10.205
201612 4.780 105.222 6.203
201703 15.990 106.476 20.505
201706 10.662 107.722 13.514
201709 10.180 108.020 12.868
201712 3.529 109.017 4.420
201803 12.360 110.097 15.329
201806 7.416 111.085 9.115
201809 7.670 111.135 9.423
201812 7.530 112.430 9.145
201903 10.350 112.829 12.525
201906 9.960 114.730 11.853
201909 6.620 114.905 7.866
201912 9.080 115.486 10.735
202003 9.760 116.252 11.463
202006 -1.670 116.630 -1.955
202009 1.450 116.397 1.701
202012 2.640 117.318 3.073
202103 0.820 117.840 0.950
202106 1.140 118.184 1.317
202109 5.520 118.262 6.373
202112 9.960 119.516 11.379
202203 5.510 120.948 6.220
202206 7.970 123.322 8.824
202209 17.700 125.298 19.288
202212 21.960 126.098 23.778
202303 14.800 126.953 15.918
202306 14.490 127.663 15.497
202309 13.100 128.151 13.957
202312 21.420 129.395 22.603
202403 14.810 130.607 15.483
202406 3.390 130.792 3.539
202409 7.000 130.361 7.332
202412 14.940 131.432 15.521
202503 5.920 131.948 6.126
202506 -2.590 133.241 -2.654
202509 8.050 133.819 8.214
202512 -3.190 135.271 -3.220
202603 3.330 136.539 3.330

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of Rp37.74 mean?
PT Buana Finance Tbk (ISX:BBLD) has a E10 of Rp37.74 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Buana Finance Tbk and its competitors.
Is PT Buana Finance Tbk's E10 too high?
PT Buana Finance Tbk's current E10 is Rp37.74. Overall, PT Buana Finance Tbk has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Buana Finance Tbk's E10 compare to V and MA?
PT Buana Finance Tbk's E10 of Rp37.74 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Buana Finance Tbk and its competitors. PT Buana Finance Tbk's current E10 is Rp37.74. 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 Possible Value Trap. The stock's GF Value™ is Rp831.64, compared to a current price of Rp545.00 — trading 34.5% below its estimated fair value. The current E10 is Rp37.74. PT Buana Finance Tbk's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For PT Buana Finance Tbk (ISX:BBLD), the current E10 is Rp37.74 as of Mar. 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 Rp545.00 is trading 34.5% below its estimated GF Value™ of Rp831.64. GuruFocus considers PT Buana Finance Tbk to be Possible Value Trap.

Key valuation signals for ISX:BBLD:

  • E10: Rp37.74
  • GF Value™: Rp831.64 vs. price of Rp545.00 (34.5% below fair value)
  • GF Score™: 58/100 with 7 warning signs

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.


PT Buana Finance Tbk Business Description

Address Jalan 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.
58GF Score

Get the complete analysis for ISX:BBLD

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp545.00
Price
Rp831.64
GF Value