PT Clipan Finance Indonesia Tbk (ISX:CFIN) FCF Margin %: -0.46% (As of Mar. 2026)


ISX:CFIN PT Clipan Finance Indonesia Tbk ISX:CFIN
72 GF Score
Price Rp322.00
GF Value Rp347.38
Valuation Fairly Valued
! 5 Warning Signs
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What is PT Clipan Finance Indonesia Tbk FCF Margin %?

PT Clipan Finance Indonesia Tbk ISX:CFIN +0.63% 72 FCF Margin % is -0.46% as of Mar. 2026. GuruFocus rates ISX:CFIN with a GF Score™ of 72/100 and a GF Value™ of Rp347.38 (Fairly Valued). The stock has 5 warning signs investors should review. Among 530 Credit Services companies, PT Clipan Finance Indonesia Tbk ranks better than 78.49% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PT Clipan Finance Indonesia Tbk's Free Cash Flow for the three months ended in Mar. 2026 was Rp-1,641 Mil. PT Clipan Finance Indonesia Tbk's Revenue for the three months ended in Mar. 2026 was Rp356,756 Mil. Therefore, PT Clipan Finance Indonesia Tbk's FCF Margin % for the quarter that ended in Mar. 2026 was -0.46%.

As of today, PT Clipan Finance Indonesia Tbk's current FCF Yield % is 54.55%.

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

ISX:CFIN' s FCF Margin % Range Over the Past 10 Years
Min: -215.63   Med: -17.54   Max: 168.24
Current: 49.65


During the past 13 years, the highest FCF Margin % of PT Clipan Finance Indonesia Tbk was 168.24%. The lowest was -215.63%. And the median was -17.54%.

ISX:CFIN's FCF Margin % is ranked better than
78.49% of 530 companies
in the Credit Services industry
Industry Median: -0.06 vs ISX:CFIN: 49.65


PT Clipan Finance Indonesia Tbk FCF Margin % Related Terms


PT Clipan Finance Indonesia Tbk FCF Margin % Historical Data

* Premium members only.

The historical data trend for PT Clipan Finance Indonesia 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 Clipan Finance Indonesia Tbk FCF Margin % Chart

PT Clipan Finance Indonesia 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 161.65 -42.49 -70.62 -4.83 57.62

PT Clipan Finance Indonesia 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 31.91 65.72 49.69 84.64 -0.46

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

For the Credit Services subindustry, PT Clipan 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 Clipan Finance Indonesia Tbk FCF Margin % vs Credit Services Industry

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

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


ISX:CFIN
72GF Score
PT Clipan Finance Indonesia Tbk ISX:CFIN
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Clipan Finance Indonesia Tbk FCF Margin % Calculation

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

PT Clipan Finance Indonesia 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 )
=819183.676/1421631.332
=57.62 %

PT Clipan Finance Indonesia 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 )
=-1640.795/356755.626
=-0.46 %

* 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 -0.46% mean?
PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a FCF Margin % of -0.46% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #114 out of 530 companies in the Credit Services industry, placing it in the top 21.5%.
Is PT Clipan Finance Indonesia Tbk's FCF Margin % too high?
PT Clipan Finance Indonesia Tbk's current FCF Margin % is -0.46%. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #114 out of 530 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #114 out of 530 companies for FCF Margin %. This places PT Clipan Finance Indonesia Tbk in the top 22% of its industry — outperforming the majority of peers. 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?
A good FCF Margin % depends on the Credit Services industry context. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 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 Clipan Finance Indonesia Tbk and its competitors. PT Clipan Finance Indonesia Tbk's current FCF Margin % is -0.46%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Clipan Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk (ISX:CFIN) is currently considered Fairly Valued. The stock's GF Value™ is Rp347.38, compared to a current price of Rp322.00 — trading 7.3% below its estimated fair value. The current FCF Margin % is -0.46%. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 72/100 with 5 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 Clipan Finance Indonesia Tbk (ISX:CFIN), the current FCF Margin % is -0.46% 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 Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be undervalued. The current stock price of Rp322.00 is trading 7.3% below its estimated GF Value™ of Rp347.38. GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:CFIN:

  • FCF Margin %: -0.46%
  • GF Value™: Rp347.38 vs. price of Rp322.00 (7.3% below fair value)
  • GF Score™: 72/100 with 5 warning signs

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


PT Clipan Finance Indonesia Tbk Business Description

Address Jalan Letjen. S. Parman Kav. 12, Wisma Slip, 6th Floor, Jakarta, IDN, 11480
PT Clipan Finance Indonesia Tbk is an Indonesian company engaged in providing financing solutions for new cars, used cars, heavy equipment, and multipurpose vehicles. Its operating segments are: Factoring, Sale and leaseback, Finance lease, and Consumer financing. The majority of its revenue is generated from the Consumer financing segment, which includes income generated from services like investment financing, working capital financing, and multi-purpose financing.
72GF Score

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

Rp322.00
Price
Rp347.38
GF Value