PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 Gross Margin % is 65.33% as of Mar. 2026, which is 1% above its 10-year median of 64.73. 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 388 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 64.95% on this metric.
PT BFI Finance Indonesia Tbk (FRA:PR2) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
PT BFI Finance Indonesia Tbk had a gross margin of 65.33% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
PT BFI Finance Indonesia Tbk Gross Margin % Related Terms
PT BFI Finance Indonesia Tbk Gross Margin % 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.
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's Gross Margin % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
PT BFI Finance Indonesia Tbk (FRA:PR2) has a Gross Margin % of 65.33% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is near median its historical median of 64.73. Over the past decade, PT BFI Finance Indonesia Tbk's Gross Margin % has ranged from 59.34 to 66.74. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #136 out of 388 companies in the Credit Services industry, placing it in the top 35.1%.
Is PT BFI Finance Indonesia Tbk's Gross Margin % too high?
PT BFI Finance Indonesia Tbk's current Gross Margin % of 65.33% is near median its 10-year median of 64.73. Over the past 10 years, this metric has ranged from a low of 59.34 to a high of 66.74. The Credit Services industry median Gross Margin % is 51.76. PT BFI Finance Indonesia Tbk's value of 65.33% is 26.2% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #136 out of 388 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #136 out of 388 companies for Gross Margin %. This puts PT BFI Finance Indonesia Tbk in the upper half of its industry. The industry median Gross Margin % is 51.76. PT BFI Finance Indonesia Tbk's value of 65.33% is 26.2% above this benchmark. Historically, PT BFI Finance Indonesia Tbk's own Gross Margin % has ranged from 59.34 to 66.74 over the past decade. While the company's 10-year median is 64.73 vs. the industry median of 51.76, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.76, based on 388 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross 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 Gross Margin % of 65.33% is 26.2% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Gross Margin % is 51.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current Gross Margin % is 65.33%, which is near median its own 10-year median of 64.73. 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 Gross Margin % is 65.33%, which is near median its 10-year median of 64.73 and 26.2% above the Credit Services industry median of 51.76. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current Gross Margin % is 65.33% 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 (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:
Gross Margin %: 65.33% (near median its 10-year median of 64.73)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 26.2% above the Credit Services median (#136 of 388)
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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Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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