* 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 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 BFI Finance Indonesia Tbk FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's FCF 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 (ISX:BFIN) has a FCF Margin % of 12.73% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 503% above median its historical median of 2.11. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #165 out of 531 companies in the Credit Services industry, placing it in the top 31.1%.
Is PT BFI Finance Indonesia Tbk's FCF Margin % too high?
PT BFI Finance Indonesia Tbk's current FCF Margin % of 12.73% is 503% above median its 10-year median of 2.11. The Credit Services industry median FCF Margin % is 0.24. PT BFI Finance Indonesia Tbk's value of 12.73% is 5204.2% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #165 out of 531 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 FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #165 out of 531 companies for FCF Margin %. This puts PT BFI Finance Indonesia Tbk in the upper half of its industry. The industry median FCF Margin % is 0.24. PT BFI Finance Indonesia Tbk's value of 12.73% is 5204.2% above this benchmark. While the company's 10-year median is 2.11 vs. the industry median of 0.24, 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 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 BFI Finance Indonesia Tbk's current FCF Margin % of 12.73% is 5204.2% 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 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 BFI Finance Indonesia 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 BFI Finance Indonesia Tbk's current FCF Margin % is 12.73%, which is 503% above median its own 10-year median of 2.11. 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 (ISX:BFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp956.61, compared to a current price of Rp715.00 — trading 25.3% below its estimated fair value. The current FCF Margin % is 12.73%, which is 503% above median its 10-year median of 2.11 and 5204.2% above the Credit Services industry median of 0.24. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (ISX:BFIN), the current FCF Margin % is 12.73% 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 (ISX:BFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp715.00 is trading 25.3% below its estimated GF Value™ of Rp956.61.
GuruFocus considers PT BFI Finance Indonesia Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BFIN:
FCF Margin %: 12.73% (503% above median its 10-year median of 2.11)
GF Value™: Rp956.61 vs. price of Rp715.00 (25.3% below fair value)
Industry Position: 5204.2% above the Credit Services median (#165 of 531)
No single metric tells the full story. See the ISX:BFIN 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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