PT Woori Finance Indonesia Tbk (ISX:BPFI) E10: Rp27.06 (As of Mar. 2026)

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ISX:BPFI PT Woori Finance Indonesia Tbk ISX:BPFI
62 GF Score
Price Rp246.00
GF Value Rp425.27
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is PT Woori Finance Indonesia Tbk E10?

PT Woori Finance Indonesia Tbk ISX:BPFI 62 E10 is Rp27.06 as of Mar. 2026. GuruFocus rates ISX:BPFI with a GF Score™ of 62/100 and a GF Value™ of Rp425.27 (Possible Value Trap). The stock has 6 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 Woori Finance Indonesia Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was Rp12.380. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp27.06 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Woori Finance Indonesia Tbk's average E10 Growth Rate was 4.80% 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 (2026-07-15), PT Woori Finance Indonesia Tbk's current stock price is Rp246.00. PT Woori Finance Indonesia Tbk's E10 for the quarter that ended in Mar. 2026 was Rp27.06. PT Woori Finance Indonesia Tbk's Shiller PE Ratio of today is 9.09.

During the past 13 years, the highest Shiller PE Ratio of PT Woori Finance Indonesia Tbk was 16.73. The lowest was 9.02. And the median was 12.22.


PT Woori Finance Indonesia Tbk  (ISX:BPFI) 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 Woori Finance Indonesia Tbk's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=246.00/27.06
=9.09

* 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 Woori Finance Indonesia Tbk was 16.73. The lowest was 9.02. And the median was 12.22.


Be Aware

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


PT Woori Finance Indonesia Tbk E10 Related Terms


PT Woori Finance Indonesia Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Woori Finance Indonesia 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 Woori Finance Indonesia Tbk E10 Chart

PT Woori Finance Indonesia 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 0.00 0.00 26.37

PT Woori Finance Indonesia 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 25.82 25.98 26.03 26.37 27.06

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

For the Credit Services subindustry, PT Woori Finance Indonesia 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 Woori Finance Indonesia Tbk Shiller PE Ratio vs Credit Services Industry

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

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


ISX:BPFI
62GF Score
PT Woori Finance Indonesia Tbk ISX:BPFI
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Woori Finance Indonesia 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 Woori Finance Indonesia 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)
=12.38/136.5387*136.5387
=12.380

Current CPI (Mar. 2026) = 136.5387.

PT Woori Finance Indonesia Tbk Quarterly Data

per share eps CPI Adj_EPS
201606 4.994 103.212 6.607
201609 1.640 104.142 2.150
201612 2.436 105.222 3.161
201703 6.607 106.476 8.472
201706 4.303 107.722 5.454
201709 0.415 108.020 0.525
201712 9.443 109.017 11.827
201803 8.927 110.097 11.071
201806 6.980 111.085 8.579
201809 6.713 111.135 8.248
201812 3.540 112.430 4.299
201903 7.827 112.829 9.472
201906 7.080 114.730 8.426
201909 7.207 114.905 8.564
201912 5.880 115.486 6.952
202003 6.880 116.252 8.081
202006 1.487 116.630 1.741
202009 1.500 116.397 1.760
202012 5.567 117.318 6.479
202103 3.627 117.840 4.203
202106 2.240 118.184 2.588
202109 4.100 118.262 4.734
202112 7.203 119.516 8.229
202203 4.830 120.948 5.453
202206 5.162 123.322 5.715
202209 9.240 125.298 10.069
202212 -0.210 126.098 -0.227
202303 9.030 126.953 9.712
202306 6.780 127.663 7.251
202309 8.195 128.151 8.731
202312 8.340 129.395 8.800
202403 8.420 130.607 8.802
202406 6.987 130.792 7.294
202409 7.700 130.361 8.065
202412 9.870 131.432 10.254
202503 7.450 131.948 7.709
202506 5.676 133.241 5.816
202509 5.849 133.819 5.968
202512 7.170 135.271 7.237
202603 12.380 136.539 12.380

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 Rp27.06 mean?
PT Woori Finance Indonesia Tbk (ISX:BPFI) has a E10 of Rp27.06 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Woori Finance Indonesia Tbk and its competitors.
Is PT Woori Finance Indonesia Tbk's E10 too high?
PT Woori Finance Indonesia Tbk's current E10 is Rp27.06. Overall, PT Woori Finance Indonesia Tbk has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Woori Finance Indonesia Tbk's E10 compare to V and MA?
PT Woori Finance Indonesia Tbk's E10 of Rp27.06 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 Woori Finance Indonesia Tbk and its competitors. PT Woori Finance Indonesia Tbk's current E10 is Rp27.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Woori Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk (ISX:BPFI) is currently considered Possible Value Trap. The stock's GF Value™ is Rp425.27, compared to a current price of Rp246.00 — trading 42.2% below its estimated fair value. The current E10 is Rp27.06. PT Woori Finance Indonesia Tbk's overall GF Score™ is 62/100 with 6 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 Woori Finance Indonesia Tbk (ISX:BPFI), the current E10 is Rp27.06 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 Woori Finance Indonesia Tbk (ISX:BPFI) Overvalued in 2026?

Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk stock appears to be undervalued. The current stock price of Rp246.00 is trading 42.2% below its estimated GF Value™ of Rp425.27. GuruFocus considers PT Woori Finance Indonesia Tbk to be Possible Value Trap.

Key valuation signals for ISX:BPFI:

  • E10: Rp27.06
  • GF Value™: Rp425.27 vs. price of Rp246.00 (42.2% below fair value)
  • GF Score™: 62/100 with 6 warning signs

No single metric tells the full story. See the ISX:BPFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Woori Finance Indonesia Tbk Business Description

Address Jl. Jend. Sudirman Kav. 21, Gedung Chase Plaza 16th Floor, Jakarta, IDN, 12920
PT Woori Finance Indonesia Tbk is a multi-finance company. The firm engages in the provision of consumer financing, financial leasing, and factoring services. It operates through the following segments: Finance Lease, Consumer Financing, and Factoring. It offers financing for used passenger and commercial automobiles. The majority of the firm's revenue comes from the Consumer Financing segment.
62GF Score

Get the complete analysis for ISX:BPFI

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

Rp246.00
Price
Rp425.27
GF Value