PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 EBITDA Margin % is 31.61% as of Mar. 2026, which is 24% below its 10-year median of 41.54. 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. Among 414 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 67.15% on this metric.
PT BFI Finance Indonesia Tbk (FRA:PR2) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
PT BFI Finance Indonesia Tbk EBITDA Margin % Related Terms
PT BFI Finance Indonesia Tbk EBITDA Margin % Historical Data
* 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 EBITDA Margin % Chart
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's EBITDA Margin % falls into.
* 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 (FRA:PR2) has a EBITDA Margin % of 31.61% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 24% below median its historical median of 41.54. Over the past decade, PT BFI Finance Indonesia Tbk's EBITDA Margin % has ranged from 28.52 to 49.12. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #136 out of 414 companies in the Credit Services industry, placing it in the top 32.9%.
Is PT BFI Finance Indonesia Tbk's EBITDA Margin % too high?
PT BFI Finance Indonesia Tbk's current EBITDA Margin % of 31.61% is 24% below median its 10-year median of 41.54. Over the past 10 years, this metric has ranged from a low of 28.52 to a high of 49.12. The Credit Services industry median EBITDA Margin % is 20.91. PT BFI Finance Indonesia Tbk's value of 31.61% is 51.2% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #136 out of 414 companies in the Credit Services industry, which is above the industry midpoint. 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #136 out of 414 companies for EBITDA Margin %. This puts PT BFI Finance Indonesia Tbk in the upper half of its industry. The industry median EBITDA Margin % is 20.91. PT BFI Finance Indonesia Tbk's value of 31.61% is 51.2% above this benchmark. Historically, PT BFI Finance Indonesia Tbk's own EBITDA Margin % has ranged from 28.52 to 49.12 over the past decade. While the company's 10-year median is 41.54 vs. the industry median of 20.91, PT BFI Finance Indonesia Tbk has consistently been above 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current EBITDA Margin % of 31.61% is 51.2% above 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current EBITDA Margin % is 31.61%, which is 24% below median its own 10-year median of 41.54. 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 EBITDA Margin % is 31.61%, which is 24% below median its 10-year median of 41.54 and 51.2% above the Credit Services industry median of 20.91. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current EBITDA Margin % is 31.61% 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:
EBITDA Margin %: 31.61% (24% below median its 10-year median of 41.54)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 51.2% above the Credit Services median (#136 of 414)
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 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
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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