PT Buana Finance Tbk (ISX:BBLD) FCF Margin %: 7.36% (As of Mar. 2026)

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ISX:BBLD PT Buana Finance Tbk ISX:BBLD
58 GF Score
Price Rp545.00
GF Value Rp831.64
Valuation Possible Value Trap
! 7 Warning Signs
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What is PT Buana Finance Tbk FCF Margin %?

PT Buana Finance Tbk ISX:BBLD +1.87% 58 FCF Margin % is 7.36% as of Mar. 2026. GuruFocus rates ISX:BBLD with a GF Score™ of 58/100 and a GF Value™ of Rp831.64 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 531 Credit Services companies, PT Buana Finance Tbk ranks worse than 69.68% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PT Buana Finance Tbk's Free Cash Flow for the three months ended in Mar. 2026 was Rp15,562 Mil. PT Buana Finance Tbk's Revenue for the three months ended in Mar. 2026 was Rp211,530 Mil. Therefore, PT Buana Finance Tbk's FCF Margin % for the quarter that ended in Mar. 2026 was 7.36%.

As of today, PT Buana Finance Tbk's current FCF Yield % is -30.16%.

The historical rank and industry rank for PT Buana Finance Tbk's FCF Margin % or its related term are showing as below:

ISX:BBLD' s FCF Margin % Range Over the Past 10 Years
Min: -188.09   Med: -82.83   Max: 181.4
Current: -31.88


During the past 13 years, the highest FCF Margin % of PT Buana Finance Tbk was 181.40%. The lowest was -188.09%. And the median was -82.83%.

ISX:BBLD's FCF Margin % is ranked worse than
69.68% of 531 companies
in the Credit Services industry
Industry Median: 0.24 vs ISX:BBLD: -31.88


PT Buana Finance Tbk FCF Margin % Related Terms


PT Buana Finance Tbk FCF Margin % Historical Data

* Premium members only.

The historical data trend for PT Buana Finance Tbk's FCF Margin % 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 Buana Finance Tbk FCF Margin % Chart

PT Buana Finance Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 78.88 -121.59 -188.09 -126.48 -56.37

PT Buana Finance Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 -92.44 -74.99 -90.92 26.40 7.36

ISX:BBLD vs V, MA, AXP: FCF Margin % Comparison

For the Credit Services subindustry, PT Buana Finance Tbk's FCF Margin %, along with its competitors' market caps and FCF 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 Buana Finance Tbk FCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's FCF Margin % distribution charts can be found below:

* The bar in red indicates where PT Buana Finance Tbk's FCF Margin % falls into.


ISX:BBLD
58GF Score
PT Buana Finance Tbk ISX:BBLD
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Buana Finance Tbk FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

PT Buana Finance Tbk's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-473013/839155
=-56.37 %

PT Buana Finance Tbk's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=15562/211530
=7.36 %

* 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 FCF Margin % →
What does a FCF Margin % of 7.36% mean?
PT Buana Finance Tbk (ISX:BBLD) has a FCF Margin % of 7.36% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Buana Finance Tbk and its competitors. According to the industry distribution chart, PT Buana Finance Tbk ranks #370 out of 531 companies in the Credit Services industry, placing it in the top 69.7%.
Is PT Buana Finance Tbk's FCF Margin % too high?
PT Buana Finance Tbk's current FCF Margin % is 7.36%. The Credit Services industry median FCF Margin % is 0.24. PT Buana Finance Tbk's value of 7.36% is 2966.7% above this industry median. Based on the distribution chart, PT Buana Finance Tbk ranks #370 out of 531 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Buana Finance Tbk has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Buana Finance Tbk's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Buana Finance Tbk ranks #370 out of 531 companies for FCF Margin %. This places PT Buana Finance Tbk in the lower half of its industry. The industry median FCF Margin % is 0.24. PT Buana Finance Tbk's value of 7.36% is 2966.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Buana Finance Tbk's current FCF Margin % of 7.36% is 2966.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Buana Finance Tbk and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Buana Finance Tbk's current FCF Margin % is 7.36%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Buana Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Buana Finance Tbk (ISX:BBLD) is currently considered Possible Value Trap. The stock's GF Value™ is Rp831.64, compared to a current price of Rp545.00 — trading 34.5% below its estimated fair value. The current FCF Margin % is 7.36% and 2966.7% above the Credit Services industry median of 0.24. PT Buana Finance Tbk's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PT Buana Finance Tbk (ISX:BBLD), the current FCF Margin % is 7.36% 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 Buana Finance Tbk (ISX:BBLD) Overvalued in 2026?

Based on GuruFocus' analysis, PT Buana Finance Tbk stock appears to be undervalued. The current stock price of Rp545.00 is trading 34.5% below its estimated GF Value™ of Rp831.64. GuruFocus considers PT Buana Finance Tbk to be Possible Value Trap.

Key valuation signals for ISX:BBLD:

  • FCF Margin %: 7.36%
  • GF Value™: Rp831.64 vs. price of Rp545.00 (34.5% below fair value)
  • GF Score™: 58/100 with 7 warning signs
  • Industry Position: 2966.7% above the Credit Services median (#370 of 531)

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


PT Buana Finance Tbk Business Description

Address Jalan Prof. Dr. Satrio Kav. 11, Lantai 38, Unit A-F, Office Tower, Ciputra World 2, Karet Semanggi, Setiabudi, South Jakarta, Jakarta, IDN, 12950
PT Buana Finance Tbk is engaged in Investment Financing, Working Capital Financing, Multipurpose Financing, other financing business activities subject to OJK approval, and other supporting business activities. Its Investment Financing activities include Financial Lease, Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Installment Financing, Project Financing,. Infrastructure Financing; Working Capital Financing includes Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Working Capital Facility. The company's operating segments represent the product types: finance lease and consumer financing.
58GF Score

Get the complete analysis for ISX:BBLD

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

Rp545.00
Price
Rp831.64
GF Value