PT KDB Tifa Finance TbkISX:TIFA +0.88%61 EBITDA Margin % is 37.27% as of Mar. 2026, which is 27% below its 10-year median of 50.93. GuruFocus rates ISX:TIFA with a GF Score™ of 61/100 and a GF Value™ of Rp528.35 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 414 Credit Services companies, PT KDB Tifa Finance Tbk ranks better than 76.33% on this metric.
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 KDB Tifa Finance Tbk EBITDA Margin % Related Terms
PT KDB Tifa Finance 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.
ISX:TIFA vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, PT KDB Tifa Finance 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 KDB Tifa Finance Tbk EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT KDB Tifa Finance Tbk's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where PT KDB Tifa Finance 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 KDB Tifa Finance Tbk (ISX:TIFA) has a EBITDA Margin % of 37.27% 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 KDB Tifa Finance Tbk and its competitors. This is 27% below median its historical median of 50.93. Over the past decade, PT KDB Tifa Finance Tbk's EBITDA Margin % has ranged from 23.86 to 96.05. According to the industry distribution chart, PT KDB Tifa Finance Tbk ranks #98 out of 414 companies in the Credit Services industry, placing it in the top 23.7%.
Is PT KDB Tifa Finance Tbk's EBITDA Margin % too high?
PT KDB Tifa Finance Tbk's current EBITDA Margin % of 37.27% is 27% below median its 10-year median of 50.93. Over the past 10 years, this metric has ranged from a low of 23.86 to a high of 96.05. The Credit Services industry median EBITDA Margin % is 21.04. PT KDB Tifa Finance Tbk's value of 37.27% is 77.2% above this industry median. Based on the distribution chart, PT KDB Tifa Finance Tbk ranks #98 out of 414 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT KDB Tifa Finance Tbk has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT KDB Tifa Finance Tbk's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT KDB Tifa Finance Tbk ranks #98 out of 414 companies for EBITDA Margin %. This places PT KDB Tifa Finance Tbk in the top 24% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 21.04. PT KDB Tifa Finance Tbk's value of 37.27% is 77.2% above this benchmark. Historically, PT KDB Tifa Finance Tbk's own EBITDA Margin % has ranged from 23.86 to 96.05 over the past decade. While the company's 10-year median is 50.93 vs. the industry median of 21.04, PT KDB Tifa Finance 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 21.04, 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 KDB Tifa Finance Tbk's current EBITDA Margin % of 37.27% is 77.2% 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 KDB Tifa Finance Tbk and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT KDB Tifa Finance Tbk's current EBITDA Margin % is 37.27%, which is 27% below median its own 10-year median of 50.93. 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 Significantly Undervalued. The stock's GF Value™ is Rp528.35, compared to a current price of Rp228.00 — trading 56.8% below its estimated fair value. The current EBITDA Margin % is 37.27%, which is 27% below median its 10-year median of 50.93 and 77.2% above the Credit Services industry median of 21.04. PT KDB Tifa Finance Tbk's overall GF Score™ is 61/100 with 6 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 KDB Tifa Finance Tbk (ISX:TIFA), the current EBITDA Margin % is 37.27% 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 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 Rp228.00 is trading 56.8% below its estimated GF Value™ of Rp528.35.
GuruFocus considers PT KDB Tifa Finance Tbk to be Significantly Undervalued.
Key valuation signals for ISX:TIFA:
EBITDA Margin %: 37.27% (27% below median its 10-year median of 50.93)
GF Value™: Rp528.35 vs. price of Rp228.00 (56.8% below fair value)
Industry Position: 77.2% above the Credit Services median (#98 of 414)
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 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.
61GF Score
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