PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 Piotroski F-Score is 7 as of Jun. 24, 2026, which is 40% above its 10-year median of 5.00. 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 532 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 92.29% on this metric.
Good Sign:
Piotroski F-Score is 7, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
PT BFI Finance Indonesia Tbk has an F-score of 6 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for PT BFI Finance Indonesia Tbk's Piotroski F-Score or its related term are showing as below:
FRA:PR2'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 5 Max: 8
Current: 7
During the past 13 years, the highest Piotroski F-Score of PT BFI Finance Indonesia Tbk was 8. The lowest was 3. And the median was 5.
PT BFI Finance Indonesia Tbk (FRA:PR2) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
PT BFI Finance Indonesia Tbk Piotroski F-Score Related Terms
PT BFI Finance Indonesia Tbk Piotroski F-Score 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.
PT BFI Finance Indonesia Tbk Piotroski F-Score Chart
FRA:PR2 vs V, MA, AXP: Piotroski F-Score Comparison
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
PT BFI Finance Indonesia Tbk's current Net Income (TTM) was 79.2.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
PT BFI Finance Indonesia Tbk's current Cash Flow from Operations (TTM) was 106.1.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
PT BFI Finance Indonesia Tbk's return on assets of this year was 0.0548696. PT BFI Finance Indonesia Tbk's return on assets of last year was 0.06584787.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
PT BFI Finance Indonesia Tbk's gearing of this year was 0.17886755. PT BFI Finance Indonesia Tbk's gearing of last year was 0.25751534.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
PT BFI Finance Indonesia Tbk's current ratio of this year was 2.59105276. PT BFI Finance Indonesia Tbk's current ratio of last year was 3.00498871.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
PT BFI Finance Indonesia Tbk's number of shares in issue this year was 14819.007. PT BFI Finance Indonesia Tbk's number of shares in issue last year was 15039.384.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
PT BFI Finance Indonesia Tbk's gross margin of this year was 0.64764344. PT BFI Finance Indonesia Tbk's gross margin of last year was 0.64551713.
==> This year's gross margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
PT BFI Finance Indonesia Tbk's asset turnover of this year was 0.24116385. PT BFI Finance Indonesia Tbk's asset turnover of last year was 0.25568239.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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6
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
PT BFI Finance Indonesia Tbk has an F-score of 6 indicating the company's financial situation is typical for a stable company.
PT BFI Finance Indonesia Tbk (FRA:PR2) has a Piotroski F-Score of 7 as of Jun. 24, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 40% above median its historical median of 5.00. Over the past decade, PT BFI Finance Indonesia Tbk's Piotroski F-Score has ranged from 3.00 to 8.00. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #41 out of 532 companies in the Credit Services industry, placing it in the top 7.7%.
Is PT BFI Finance Indonesia Tbk's Piotroski F-Score too high?
PT BFI Finance Indonesia Tbk's current Piotroski F-Score of 7 is 40% above median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 8.00. The Credit Services industry median Piotroski F-Score is 5.00. PT BFI Finance Indonesia Tbk's value of 7 is 40% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #41 out of 532 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #41 out of 532 companies for Piotroski F-Score. This places PT BFI Finance Indonesia Tbk in the top 8% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 5.00. PT BFI Finance Indonesia Tbk's value of 7 is 40% above this benchmark. Historically, PT BFI Finance Indonesia Tbk's own Piotroski F-Score has ranged from 3.00 to 8.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 5.00, 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 Piotroski F-Score for a Credit Services company?
The median Piotroski F-Score among Credit Services companies is 5.00, based on 532 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current Piotroski F-Score of 7 is 40% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current Piotroski F-Score is 7, which is 40% above median its own 10-year median of 5.00. 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 Piotroski F-Score is 7, which is 40% above median its 10-year median of 5.00 and 40% above the Credit Services industry median of 5.00. 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 Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current Piotroski F-Score is 7 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:
Piotroski F-Score: 7 (40% above median its 10-year median of 5.00)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 40% above the Credit Services median (#41 of 532)
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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