PT BFI Finance Indonesia Tbk (FRA:PR2) EBIT: €109.7 Mil (TTM As of Mar. 2026)


FRA:PR2 PT BFI Finance Indonesia Tbk FRA:PR2
85 GF Score
Price €0.03
GF Value €0.04
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT BFI Finance Indonesia Tbk EBIT?

PT BFI Finance Indonesia Tbk FRA:PR2 +2.45% 85 EBIT is €109.7 Mil as of Mar. 2026. GuruFocus rates FRA:PR2 with a GF Score™ of 85/100 and a GF Value™ of €0.04 (Modestly Undervalued). The stock has 2 warning signs investors should review.

PT BFI Finance Indonesia Tbk's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was €25.0 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was €109.7 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. PT BFI Finance Indonesia Tbk's annualized ROC % for the quarter that ended in Mar. 2026 was 6.76%. PT BFI Finance Indonesia Tbk's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 8.70%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. PT BFI Finance Indonesia Tbk's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 10.08%.

PT BFI Finance Indonesia Tbk  (FRA:PR2) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

PT BFI Finance Indonesia Tbk's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=99.972 * ( 1 - 18.84% )/( (1195.738 + 1204.473)/ 2 )
=81.1372752/1200.1055
=6.76 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1302.051 - 26.97 - ( 79.343 - max(0, 512.426 - 1244.816+79.343))
=1195.738

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1290.716 - 23.1 - ( 63.143 - max(0, 476.46 - 1234.533+63.143))
=1204.473

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

PT BFI Finance Indonesia Tbk's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=99.976/( ( (40.755 + max(1104.867, 0)) + (40.627 + max(1111.988, 0)) )/ 2 )
=99.976/( ( 1145.622 + 1152.615 )/ 2 )
=99.976/1149.1185
=8.70 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(1144.713 + 0 + 4.6949999999999) - (26.97 + 0 + 17.571)
=1104.867

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(1149.196 + 0 + 7.9029999999998) - (23.1 + 0 + 22.011)
=1111.988

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

PT BFI Finance Indonesia Tbk's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=109.686/1087.764
=10.08 %

* 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 BFI Finance Indonesia Tbk EBIT Related Terms

PT BFI Finance Indonesia Tbk EBIT Historical Data

* Premium members only.

The historical data trend for PT BFI Finance Indonesia Tbk's EBIT 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 BFI Finance Indonesia Tbk EBIT Chart

PT BFI Finance Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 100.20 143.99 136.86 128.78 111.45

PT BFI 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
EBIT 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 30.80 25.84 28.72 30.14 24.99

FRA:PR2 vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 BFI Finance Indonesia Tbk EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where PT BFI Finance Indonesia Tbk's EV-to-EBIT falls into.


FRA:PR2
85GF Score
PT BFI Finance Indonesia Tbk FRA:PR2
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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PT BFI Finance Indonesia Tbk EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €109.7 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of €109.7 Mil mean?
PT BFI Finance Indonesia Tbk (FRA:PR2) has a EBIT of €109.7 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on PT BFI Finance Indonesia Tbk.
Is PT BFI Finance Indonesia Tbk's EBIT too high?
PT BFI Finance Indonesia Tbk's current EBIT is €109.7 Mil. Overall, PT BFI Finance Indonesia Tbk has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT BFI Finance Indonesia Tbk's EBIT compare to V and MA?
PT BFI Finance Indonesia Tbk's EBIT of €109.7 Mil 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 EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on PT BFI Finance Indonesia Tbk. PT BFI Finance Indonesia Tbk's current EBIT is €109.7 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT BFI Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk (FRA:PR2) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.04, compared to a current price of €0.03 — trading 26.8% below its estimated fair value. The current EBIT is €109.7 Mil. PT BFI Finance Indonesia Tbk's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current EBIT is €109.7 Mil 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 BFI Finance Indonesia Tbk (FRA:PR2) Overvalued in 2026?

Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk stock appears to be undervalued. The current stock price of €0.03 is trading 26.8% below its estimated GF Value™ of €0.04. GuruFocus considers PT BFI Finance Indonesia Tbk to be Modestly Undervalued.

Key valuation signals for FRA:PR2:

  • EBIT: €109.7 Mil
  • GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
  • GF Score™: 85/100 with 2 warning signs

No single metric tells the full story. See the FRA:PR2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT BFI Finance Indonesia Tbk Business Description

Other Exchanges BFIN:Indonesia
Address Jalan Kapten Soebijanto Djojohadikusumo, BFI Tower, Sunburst CBD Lot 1.2, BSD City, South Tangerang, Tangerang, IDN, 15322
PT BFI Finance Indonesia Tbk is a multifinance company based in Indonesia. It offers Sharia financing solutions, such as umrah capital financing, financing for buying a used car, and other multipurpose Sharia-compliant credit products. Additionally, the company offers financial leasing solutions to individual and corporate customers who purchase or engage in the sale and leaseback of heavy equipment, machinery, motor vehicles, and other equipment. It also offers consumer financing for new and used cars purchased via dealers and secured financing for used cars, used motorcycles, and real estate. The company's operating segments are: Cars, Motorcycles, and Others. Maximum revenue is generated from the Cars segment, which includes income derived from car financing solutions.
85GF Score

Get the complete analysis for FRA:PR2

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

€0.03
Price
€0.04
GF Value