PT Pool Advista Finance TbkISX:POLA -1.75%66 FCF Margin % is 93.83% as of Mar. 2026, which is 100% above its 10-year median of 46.83. GuruFocus rates ISX:POLA with a GF Score™ of 66/100 and a GF Value™ of Rp34.57 (Significantly Overvalued). Among 531 Credit Services companies, PT Pool Advista Finance Tbk ranks better than 96.99% on this metric.
* 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 Pool Advista 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 Pool Advista Finance Tbk FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Pool Advista Finance Tbk's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PT Pool Advista Finance 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 Pool Advista Finance Tbk (ISX:POLA) has a FCF Margin % of 93.83% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Pool Advista Finance Tbk and its competitors. This is 100% above median its historical median of 46.83. According to the industry distribution chart, PT Pool Advista Finance Tbk ranks #16 out of 531 companies in the Credit Services industry, placing it in the top 3%.
Is PT Pool Advista Finance Tbk's FCF Margin % too high?
PT Pool Advista Finance Tbk's current FCF Margin % of 93.83% is 100% above median its 10-year median of 46.83. The Credit Services industry median FCF Margin % is 0.24. PT Pool Advista Finance Tbk's value of 93.83% is 38995.8% above this industry median. Based on the distribution chart, PT Pool Advista Finance Tbk ranks #16 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT Pool Advista Finance Tbk has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Pool Advista Finance Tbk's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Pool Advista Finance Tbk ranks #16 out of 531 companies for FCF Margin %. This places PT Pool Advista Finance Tbk in the top 3% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. PT Pool Advista Finance Tbk's value of 93.83% is 38995.8% above this benchmark. While the company's 10-year median is 46.83 vs. the industry median of 0.24, PT Pool Advista 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 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 Pool Advista Finance Tbk's current FCF Margin % of 93.83% is 38995.8% 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 Pool Advista 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 Pool Advista Finance Tbk's current FCF Margin % is 93.83%, which is 100% above median its own 10-year median of 46.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Pool Advista Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Pool Advista Finance Tbk (ISX:POLA) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp34.57, compared to a current price of Rp56.00 — trading 62% above its estimated fair value. The current FCF Margin % is 93.83%, which is 100% above median its 10-year median of 46.83 and 38995.8% above the Credit Services industry median of 0.24. PT Pool Advista Finance Tbk's overall GF Score™ is 66/100. 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 Pool Advista Finance Tbk (ISX:POLA), the current FCF Margin % is 93.83% 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 Pool Advista Finance Tbk (ISX:POLA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Pool Advista Finance Tbk stock appears to be overvalued.
The current stock price of Rp56.00 is trading 62% above its estimated GF Value™ of Rp34.57.
GuruFocus considers PT Pool Advista Finance Tbk to be Significantly Overvalued.
Key valuation signals for ISX:POLA:
FCF Margin %: 93.83% (100% above median its 10-year median of 46.83)
GF Value™: Rp34.57 vs. price of Rp56.00 (62% above fair value)
Industry Position: 38995.8% above the Credit Services median (#16 of 531)
No single metric tells the full story. See the ISX:POLA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Pool Advista Finance Tbk Engaged in Conventional Financing, Operating Lease, and other fee-based activities, and Sharia Financing. The company's segments are divided into business segments, consisting of working capital financing, investment financing, multipurpose financing, Sharia Financing, and Others The company derives maximum revenue from Sharia Financing.
66GF Score
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