PT KDB Tifa Finance TbkISX:TIFA +0.88%61 Piotroski F-Score is 4 as of Jul. 08, 2026, which is at its 10-year median of 4.00. GuruFocus rates ISX:TIFA with a GF Score™ of 61/100 and a GF Value™ of Rp528.35 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 531 Credit Services companies, PT KDB Tifa Finance Tbk ranks worse than 55.74% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
PT KDB Tifa Finance Tbk has an F-score of 4 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for PT KDB Tifa Finance Tbk's Piotroski F-Score or its related term are showing as below:
ISX:TIFA'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 4 Max: 6
Current: 4
During the past 9 years, the highest Piotroski F-Score of PT KDB Tifa Finance Tbk was 6. The lowest was 2. And the median was 4.
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 KDB Tifa Finance Tbk Piotroski F-Score Related Terms
PT KDB Tifa Finance Tbk Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for PT KDB Tifa Finance Tbk's Piotroski F-Score 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.
ISX:TIFA vs V, MA, AXP: Piotroski F-Score Comparison
For the Credit Services subindustry, PT KDB Tifa Finance 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 KDB Tifa Finance Tbk Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT KDB Tifa Finance Tbk's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where PT KDB Tifa Finance 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.
This Year (Mar26) TTM:
Last Year (Mar25) TTM:
Net Income was 11220.348 + 23453.68 + 22816.078 + 4398.299 = Rp61,888 Mil. Cash Flow from Operations was -297.755 + -36900.474 + -20721.846 + 33230.858 = Rp-24,689 Mil. Revenue was 42906.588 + 42418.617 + 43893.603 + 41866.241 = Rp171,085 Mil. Gross Profit was 25925.892 + 21775.677 + 27369.097 + 20195.499 = Rp95,266 Mil.
Average Total Assets from the begining of this year (Mar25)
to the end of this year (Mar26) was
(1767783.826 + 1756319.564 + 1786679.376 + 2040691.412 + 1810222.561) / 5 = Rp1832339.3478 Mil. Total Assets at the begining of this year (Mar25) was Rp1,767,784 Mil. Long-Term Debt & Capital Lease Obligation was Rp268,256 Mil. Total Current Assets was Rp1,607,777 Mil. Total Current Liabilities was Rp314,537 Mil.
Net Income was 17250.354 + 17818.886 + 15729.68 + 8816.16 = Rp59,615 Mil.
Revenue was 43683.301 + 44694.225 + 45698.277 + 42964.904 = Rp177,041 Mil. Gross Profit was 25393.414 + 27272.891 + 26295.387 + 22264.199 = Rp101,226 Mil.
Average Total Assets from the begining of last year (Mar24)
to the end of last year (Mar25) was
(1741590.939 + 1725395.273 + 1744961.881 + 2057954.444 + 1767783.826) / 5 = Rp1807537.2726 Mil. Total Assets at the begining of last year (Mar24) was Rp1,741,591 Mil. Long-Term Debt & Capital Lease Obligation was Rp0 Mil. Total Current Assets was Rp1,656,338 Mil. Total Current Liabilities was Rp539,804 Mil.
*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 KDB Tifa Finance Tbk's current Net Income (TTM) was 61,888.
==> 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 KDB Tifa Finance Tbk's current Cash Flow from Operations (TTM) was -24,689.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
PT KDB Tifa Finance Tbk's return on assets of this year was 0.03500903. PT KDB Tifa Finance Tbk's return on assets of last year was 0.03423024.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
PT KDB Tifa Finance Tbk's gearing of this year was 0.14640078. PT KDB Tifa Finance Tbk's gearing of last year was 0.
==> Last year is lower than this year ==> Score 0.
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 KDB Tifa Finance Tbk's current ratio of this year was 5.11156913. PT KDB Tifa Finance Tbk's current ratio of last year was 3.0684028.
==> This year's current ratio is higher. ==> Score 1.
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 KDB Tifa Finance Tbk's number of shares in issue this year was 3552.213. PT KDB Tifa Finance Tbk's number of shares in issue last year was 3552.213.
==> 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 KDB Tifa Finance Tbk's gross margin of this year was 0.55683513. PT KDB Tifa Finance Tbk's gross margin of last year was 0.57176619.
==> Last year's gross margin is higher ==> Score 0.
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 KDB Tifa Finance Tbk's asset turnover of this year was 0.09677939. PT KDB Tifa Finance Tbk's asset turnover of last year was 0.10165459.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
PT KDB Tifa Finance Tbk has an F-score of 4 indicating the company's financial situation is typical for a stable company.
PT KDB Tifa Finance Tbk (ISX:TIFA) has a Piotroski F-Score of 4 as of Jul. 08, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on PT KDB Tifa Finance Tbk and its competitors. This is near median its historical median of 4.00. Over the past decade, PT KDB Tifa Finance Tbk's Piotroski F-Score has ranged from 2.00 to 6.00. According to the industry distribution chart, PT KDB Tifa Finance Tbk ranks #296 out of 531 companies in the Credit Services industry, placing it in the top 55.7%.
Is PT KDB Tifa Finance Tbk's Piotroski F-Score too high?
PT KDB Tifa Finance Tbk's current Piotroski F-Score of 4 is near median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 6.00. The Credit Services industry median Piotroski F-Score is 5.00. PT KDB Tifa Finance Tbk's value of 4 is 20% below this industry median. Based on the distribution chart, PT KDB Tifa Finance Tbk ranks #296 out of 531 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT KDB Tifa Finance Tbk has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT KDB Tifa Finance Tbk's Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, PT KDB Tifa Finance Tbk ranks #296 out of 531 companies for Piotroski F-Score. This places PT KDB Tifa Finance Tbk in the lower half of its industry. The industry median Piotroski F-Score is 5.00. PT KDB Tifa Finance Tbk's value of 4 is 20% below this benchmark. Historically, PT KDB Tifa Finance Tbk's own Piotroski F-Score has ranged from 2.00 to 6.00 over the past decade. While the company's 10-year median is 4.00 vs. the industry median of 5.00, PT KDB Tifa Finance Tbk has consistently been below 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 531 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 KDB Tifa Finance Tbk's current Piotroski F-Score of 4 is 20% below 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 KDB Tifa Finance 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 KDB Tifa Finance Tbk's current Piotroski F-Score is 4, which is near median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT KDB Tifa Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk (ISX:TIFA) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp528.35, compared to a current price of Rp228.00 — trading 56.8% below its estimated fair value. The current Piotroski F-Score is 4, which is near median its 10-year median of 4.00 and 20% below the Credit Services industry median of 5.00. PT KDB Tifa Finance Tbk's overall GF Score™ is 61/100 with 6 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 KDB Tifa Finance Tbk (ISX:TIFA), the current Piotroski F-Score is 4 as of Jul. 08, 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 KDB Tifa Finance Tbk (ISX:TIFA) Overvalued in 2026?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk stock appears to be undervalued.
The current stock price of Rp228.00 is trading 56.8% below its estimated GF Value™ of Rp528.35.
GuruFocus considers PT KDB Tifa Finance Tbk to be Significantly Undervalued.
Key valuation signals for ISX:TIFA:
Piotroski F-Score: 4 (near median its 10-year median of 4.00)
GF Value™: Rp528.35 vs. price of Rp228.00 (56.8% below fair value)
Industry Position: 20% below the Credit Services median (#296 of 531)
No single metric tells the full story. See the ISX:TIFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT KDB Tifa Finance Tbk is a financial service company. Its activities comprise investment financing, sharia financing, working capital financing, multipurpose financing, other financing business activities based on approval of OJK, operating lease, and/or fee-based activities to the extent not inconsistent with legislation. The Company has four segments, including finance lease, multipurpose financing, sharia financing, and treasury. It generates maximum revenue from the Finance Lease segment.
61GF Score
Get the complete analysis for ISX:TIFA
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