PT Clipan Finance Indonesia Tbk (ISX:CFIN) E10: Rp78.77 (As of Jun. 2026)

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ISX:CFIN PT Clipan Finance Indonesia Tbk ISX:CFIN
71 GF Score
Price Rp350.00
GF Value Rp329.85
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is PT Clipan Finance Indonesia Tbk E10?

PT Clipan Finance Indonesia Tbk ISX:CFIN 71 E10 is Rp78.77 as of Jun. 2026. GuruFocus rates ISX:CFIN with a GF Score™ of 71/100 and a GF Value™ of Rp329.85 (Fairly Valued). The stock has 4 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 Clipan Finance Indonesia Tbk's adjusted earnings per share data for the three months ended in Jun. 2026 was Rp10.790. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp78.77 for the trailing ten years ended in Jun. 2026.

During the past 12 months, PT Clipan Finance Indonesia Tbk's average E10 Growth Rate was 2.70% per year. During the past 3 years, the average E10 Growth Rate was -0.70% 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.

During the past 13 years, the highest 3-Year average E10 Growth Rate of PT Clipan Finance Indonesia Tbk was 1.10% per year. The lowest was -0.70% per year. And the median was 0.20% per year.

As of today (2026-08-19), PT Clipan Finance Indonesia Tbk's current stock price is Rp350.00. PT Clipan Finance Indonesia Tbk's E10 for the quarter that ended in Jun. 2026 was Rp78.77. PT Clipan Finance Indonesia Tbk's Shiller PE Ratio of today is 4.44.

During the past 13 years, the highest Shiller PE Ratio of PT Clipan Finance Indonesia Tbk was 7.66. The lowest was 2.96. And the median was 4.20.


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

Shiller PE Ratio=Share Price/E10
=350.00/78.77
=4.44

* 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 Clipan Finance Indonesia Tbk was 7.66. The lowest was 2.96. And the median was 4.20.


Be Aware

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


PT Clipan Finance Indonesia Tbk E10 Related Terms


PT Clipan Finance Indonesia Tbk E10 Historical Data

* Premium members only.

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

PT Clipan 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 77.29 79.55 87.54 79.89 77.87

PT Clipan Finance Indonesia Tbk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 76.71 76.20 77.87 78.42 78.77

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

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

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

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


ISX:CFIN
71GF Score
PT Clipan Finance Indonesia Tbk ISX:CFIN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Clipan 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 Clipan Finance Indonesia Tbk's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=10.79/137.6954*137.6954
=10.790

Current CPI (Jun. 2026) = 137.6954.

PT Clipan Finance Indonesia Tbk Quarterly Data

per share eps CPI Adj_EPS
201609 11.760 104.142 15.549
201612 16.780 105.222 21.959
201703 14.930 106.476 19.308
201706 11.540 107.722 14.751
201709 14.760 108.020 18.815
201712 18.070 109.017 22.824
201803 18.670 110.097 23.350
201806 17.910 111.085 22.200
201809 20.180 111.135 25.003
201812 19.820 112.430 24.274
201903 19.990 112.829 24.396
201906 20.580 114.730 24.699
201909 24.150 114.905 28.940
201912 26.030 115.486 31.036
202003 23.400 116.252 27.716
202006 2.390 116.630 2.822
202009 -10.290 116.397 -12.173
202012 -3.810 117.318 -4.472
202103 10.180 117.840 11.895
202106 12.460 118.184 14.517
202109 -3.930 118.262 -4.576
202112 -7.090 119.516 -8.168
202203 0.400 120.948 0.455
202206 2.130 123.322 2.378
202209 16.510 125.298 18.143
202212 58.940 126.098 64.361
202303 26.370 126.953 28.601
202306 136.670 127.663 147.410
202309 17.030 128.151 18.298
202312 24.470 129.395 26.040
202403 21.610 130.607 22.783
202406 10.570 130.792 11.128
202409 8.140 130.361 8.598
202412 13.590 131.432 14.238
202503 8.790 131.948 9.173
202506 11.420 133.241 11.802
202509 13.840 133.819 14.241
202512 19.210 135.271 19.554
202603 14.890 136.539 15.016
202606 10.790 137.695 10.790

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 Rp78.77 mean?
PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a E10 of Rp78.77 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Clipan Finance Indonesia Tbk and its competitors.
Is PT Clipan Finance Indonesia Tbk's E10 too high?
PT Clipan Finance Indonesia Tbk's current E10 is Rp78.77. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's E10 compare to V and MA?
PT Clipan Finance Indonesia Tbk's E10 of Rp78.77 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 Clipan Finance Indonesia Tbk and its competitors. PT Clipan Finance Indonesia Tbk's current E10 is Rp78.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Clipan Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk (ISX:CFIN) is currently considered Fairly Valued. The stock's GF Value™ is Rp329.85, compared to a current price of Rp350.00 — trading 6.1% above its estimated fair value. The current E10 is Rp78.77. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 71/100 with 4 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 Clipan Finance Indonesia Tbk (ISX:CFIN), the current E10 is Rp78.77 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 Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be overvalued. The current stock price of Rp350.00 is trading 6.1% above its estimated GF Value™ of Rp329.85. GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:CFIN:

  • E10: Rp78.77
  • GF Value™: Rp329.85 vs. price of Rp350.00 (6.1% above fair value)
  • GF Score™: 71/100 with 4 warning signs

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


PT Clipan Finance Indonesia Tbk Business Description

Address Jalan Letjen. S. Parman Kav. 12, Wisma Slip, 6th Floor, Jakarta, IDN, 11480
PT Clipan Finance Indonesia Tbk is an Indonesian company engaged in providing financing solutions for new cars, used cars, heavy equipment, and multipurpose vehicles. Its operating segments are: Factoring, Sale and leaseback, Finance lease, and Consumer financing. The majority of its revenue is generated from the Consumer financing segment, which includes income generated from services like investment financing, working capital financing, and multi-purpose financing.
71GF Score

Get the complete analysis for ISX:CFIN

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

Rp350.00
Price
Rp329.85
GF Value