PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 EV-to-FCF is 11.19 as of Jun. 24, 2026, which is 165% above its 10-year median of 4.23. 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 265 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 53.58% on this metric.
The historical rank and industry rank for PT BFI Finance Indonesia Tbk's EV-to-FCF or its related term are showing as below:
FRA:PR2'
s EV-to-FCF Range Over the Past 10 Years
Min: -376.8 Med: 4.23 Max: 291.78
Current: 11.68
During the past 13 years, the highest EV-to-FCF of PT BFI Finance Indonesia Tbk was 291.78. The lowest was -376.80. And the median was 4.23.
FRA:PR2's EV-to-FCF is ranked better than 53.58% of 265
companies
in the Credit Services industry
Industry Median: 13.64
vs FRA:PR2: 11.68
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PT BFI Finance Indonesia Tbk (FRA:PR2) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PT BFI Finance Indonesia Tbk's PE Ratio (TTM) for today is calculated as:
PT BFI Finance Indonesia Tbk's share price for today is €0.0293.
PT BFI Finance Indonesia Tbk's Earnings per Share (Diluted) 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 €0.004.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PT BFI Finance Indonesia Tbk EV-to-FCF Related Terms
PT BFI Finance Indonesia Tbk EV-to-FCF 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.
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's EV-to-FCF falls into.
PT BFI Finance Indonesia Tbk's current Enterprise Value is €1,087.8 Mil.
PT BFI Finance Indonesia Tbk's Free Cash Flow 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 €97.2 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.
PT BFI Finance Indonesia Tbk (FRA:PR2) has a EV-to-FCF of 11.19 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 165% above median its historical median of 4.23. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #123 out of 265 companies in the Credit Services industry, placing it in the top 46.4%.
Is PT BFI Finance Indonesia Tbk's EV-to-FCF too high?
PT BFI Finance Indonesia Tbk's current EV-to-FCF of 11.19 is 165% above median its 10-year median of 4.23. The Credit Services industry median EV-to-FCF is 13.64. PT BFI Finance Indonesia Tbk's value of 11.19 is 18% below this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #123 out of 265 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 EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #123 out of 265 companies for EV-to-FCF. This puts PT BFI Finance Indonesia Tbk in the upper half of its industry. The industry median EV-to-FCF is 13.64. PT BFI Finance Indonesia Tbk's value of 11.19 is 18% below this benchmark. While the company's 10-year median is 4.23 vs. the industry median of 13.64, PT BFI 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.64, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current EV-to-FCF of 11.19 is 18% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current EV-to-FCF is 11.19, which is 165% above median its own 10-year median of 4.23. 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 EV-to-FCF is 11.19, which is 165% above median its 10-year median of 4.23 and 18% below the Credit Services industry median of 13.64. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current EV-to-FCF is 11.19 as of Jun. 24, 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:
EV-to-FCF: 11.19 (165% above median its 10-year median of 4.23)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 18% below the Credit Services median (#123 of 265)
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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