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PT Clipan Finance Indonesia TbkISX:CFIN +1.66%71 3-Year EBITDA Growth Rate is 2.30% as of Jun. 2026, which is 51% below its 10-year median of 4.70. GuruFocus rates ISX:CFIN with a GF Score™ of 71/100 and a GF Value™ of Rp330.26 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 324 Credit Services companies, PT Clipan Finance Indonesia Tbk ranks worse than 62.04% on this metric.
During the past 12 months, PT Clipan Finance Indonesia Tbk's average EBITDA Per Share Growth Rate was -7.80% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 2.30% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 2.60% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 3.70% 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 average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of PT Clipan Finance Indonesia Tbk was 31.90% per year. The lowest was -8.90% per year. And the median was 4.70% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
PT Clipan Finance Indonesia Tbk 3-Year EBITDA Growth Rate Related Terms
ISX:CFIN vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, PT Clipan Finance Indonesia Tbk's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's 3-Year EBITDA Growth Rate falls into.
PT Clipan Finance Indonesia Tbk 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 2.30% mean?
PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a 3-Year EBITDA Growth Rate of 2.30% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for PT Clipan Finance Indonesia Tbk and its competitors. This is 51% below median its historical median of 4.70. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #201 out of 324 companies in the Credit Services industry, placing it in the top 62%.
Is PT Clipan Finance Indonesia Tbk's 3-Year EBITDA Growth Rate too high?
PT Clipan Finance Indonesia Tbk's current 3-Year EBITDA Growth Rate of 2.30% is 51% below median its 10-year median of 4.70. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.80. PT Clipan Finance Indonesia Tbk's value of 2.30% is 76.5% below this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #201 out of 324 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #201 out of 324 companies for 3-Year EBITDA Growth Rate. This places PT Clipan Finance Indonesia Tbk in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.80. PT Clipan Finance Indonesia Tbk's value of 2.30% is 76.5% below this benchmark. While the company's 10-year median is 4.70 vs. the industry median of 9.80, PT Clipan Finance Indonesia Tbk has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.80, based on 324 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Clipan Finance Indonesia Tbk's current 3-Year EBITDA Growth Rate of 2.30% is 76.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for PT Clipan Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Clipan Finance Indonesia Tbk's current 3-Year EBITDA Growth Rate is 2.30%, which is 51% below median its own 10-year median of 4.70. 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 Modestly Overvalued. The stock's GF Value™ is Rp330.26, compared to a current price of Rp368.00 — trading 11.4% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 2.30%, which is 51% below median its 10-year median of 4.70 and 76.5% below the Credit Services industry median of 9.80. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current 3-Year EBITDA Growth Rate is 2.30% 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 Rp368.00 is trading 11.4% above its estimated GF Value™ of Rp330.26.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Modestly Overvalued.
Key valuation signals for ISX:CFIN:
3-Year EBITDA Growth Rate: 2.30% (51% below median its 10-year median of 4.70)
GF Value™: Rp330.26 vs. price of Rp368.00 (11.4% above fair value)
Industry Position: 76.5% below the Credit Services median (#201 of 324)
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 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
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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