PT KDB Tifa Finance Tbk (ISX:TIFA) E10: Rp12.79 (As of Jun. 2026)

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ISX:TIFA PT KDB Tifa Finance Tbk ISX:TIFA
74 GF Score
Price Rp344.00
GF Value Rp525.03
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is PT KDB Tifa Finance Tbk E10?

PT KDB Tifa Finance Tbk ISX:TIFA -3.91% 74 E10 is Rp12.79 as of Jun. 2026. GuruFocus rates ISX:TIFA with a GF Score™ of 74/100 and a GF Value™ of Rp525.03 (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 KDB Tifa Finance Tbk's adjusted earnings per share data for the three months ended in Jun. 2026 was Rp5.337. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp12.79 for the trailing ten years ended in Jun. 2026.

During the past 12 months, PT KDB Tifa Finance Tbk's average E10 Growth Rate was 4.10% 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 (2026-08-23), PT KDB Tifa Finance Tbk's current stock price is Rp344.00. PT KDB Tifa Finance Tbk's E10 for the quarter that ended in Jun. 2026 was Rp12.79. PT KDB Tifa Finance Tbk's Shiller PE Ratio of today is 26.90.

During the past 13 years, the highest Shiller PE Ratio of PT KDB Tifa Finance Tbk was 67.02. The lowest was 16.73. And the median was 32.71.


PT KDB Tifa Finance Tbk  (ISX:TIFA) 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 KDB Tifa Finance Tbk's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=344.00/12.79
=26.90

* 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 KDB Tifa Finance Tbk was 67.02. The lowest was 16.73. And the median was 32.71.


Be Aware

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


PT KDB Tifa Finance Tbk E10 Related Terms


PT KDB Tifa Finance Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT KDB Tifa 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 KDB Tifa Finance Tbk E10 Chart

PT KDB Tifa 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 0.00 0.00 12.90

PT KDB Tifa Finance Tbk Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 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 12.29 12.55 12.90 12.66 12.79

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

For the Credit Services subindustry, PT KDB Tifa 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 KDB Tifa Finance Tbk Shiller PE Ratio vs Credit Services Industry

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

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


ISX:TIFA
74GF Score
PT KDB Tifa Finance Tbk ISX:TIFA
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT KDB Tifa 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 KDB Tifa Finance 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)
=5.337/137.6954*137.6954
=5.337

Current CPI (Jun. 2026) = 137.6954.

PT KDB Tifa Finance Tbk Quarterly Data

per share eps CPI Adj_EPS
201503 7.264 98.388 10.166
201506 -2.463 99.766 -3.399
201509 1.705 101.037 2.324
201512 0.758 102.133 1.022
201603 2.088 102.764 2.798
201606 2.302 103.212 3.071
201609 0.899 104.142 1.189
201612 1.083 105.222 1.417
201703 2.674 106.476 3.458
201706 2.166 107.722 2.769
201709 2.480 108.020 3.161
201712 1.009 109.017 1.274
201803 2.756 110.097 3.447
201806 2.846 111.085 3.528
201809 2.842 111.135 3.521
201812 1.634 112.430 2.001
201912 0.000 115.486 0.000
202003 2.416 116.252 2.862
202006 2.608 116.630 3.079
202009 2.201 116.397 2.604
202012 -1.836 117.318 -2.155
202103 2.733 117.840 3.194
202106 2.963 118.184 3.452
202109 0.204 118.262 0.238
202112 2.892 119.516 3.332
202212 0.000 126.098 0.000
202303 4.310 126.953 4.675
202306 4.039 127.663 4.356
202309 4.150 128.151 4.459
202312 4.359 129.395 4.639
202403 4.010 130.607 4.228
202406 4.856 130.792 5.112
202409 5.010 130.361 5.292
202412 4.428 131.432 4.639
202503 2.480 131.948 2.588
202506 3.159 133.241 3.265
202509 6.600 133.819 6.791
202512 6.423 135.271 6.538
202603 1.240 136.539 1.251
202606 5.337 137.695 5.337

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 Rp12.79 mean?
PT KDB Tifa Finance Tbk (ISX:TIFA) has a E10 of Rp12.79 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT KDB Tifa Finance Tbk and its competitors.
Is PT KDB Tifa Finance Tbk's E10 too high?
PT KDB Tifa Finance Tbk's current E10 is Rp12.79. Overall, PT KDB Tifa Finance Tbk has a GF Score™ of 74/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT KDB Tifa Finance Tbk's E10 compare to V and MA?
PT KDB Tifa Finance Tbk's E10 of Rp12.79 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 KDB Tifa Finance Tbk and its competitors. PT KDB Tifa Finance Tbk's current E10 is Rp12.79. 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 Rp525.03, compared to a current price of Rp344.00 — trading 34.5% below its estimated fair value. The current E10 is Rp12.79. PT KDB Tifa Finance Tbk's overall GF Score™ is 74/100 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 KDB Tifa Finance Tbk (ISX:TIFA), the current E10 is Rp12.79 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 Rp344.00 is trading 34.5% below its estimated GF Value™ of Rp525.03. GuruFocus considers PT KDB Tifa Finance Tbk to be Possible Value Trap.

Key valuation signals for ISX:TIFA:

  • E10: Rp12.79
  • GF Value™: Rp525.03 vs. price of Rp344.00 (34.5% below fair value)
  • GF Score™: 74/100 with 6 warning signs

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 Business Description

Address Jalan Jenderal Sudirman Kaveling 52-53, Pacific Century Place Lantai 41, SCBD Lot 10, South Jakarta, Jakarta, IDN, 12190
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.
74GF Score

Get the complete analysis for ISX:TIFA

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

Rp344.00
Price
Rp525.03
GF Value