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PT Buana Finance TbkISX:BBLD +1.87%58 Gross Margin % is 35.40% as of Mar. 2026, which is 3% above its 10-year median of 34.47. GuruFocus rates ISX:BBLD with a GF Score™ of 58/100 and a GF Value™ of Rp831.64 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 387 Credit Services companies, PT Buana Finance Tbk ranks worse than 68.73% on this metric.
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 Buana Finance Tbk had a gross margin of 35.40% for the quarter that ended in Mar. 2026 => Competition eroding margins
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 Buana Finance Tbk Gross Margin % Related Terms
PT Buana Finance Tbk Gross Margin % Historical Data
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The historical data trend for PT Buana Finance Tbk's Gross 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.
For the Credit Services subindustry, PT Buana Finance 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 Buana Finance Tbk Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's Gross Margin % distribution charts can be found below:
* The bar in red indicates where PT Buana Finance 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 Buana Finance Tbk (ISX:BBLD) has a Gross Margin % of 35.40% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on PT Buana Finance Tbk and its competitors. This is near median its historical median of 34.47. Over the past decade, PT Buana Finance Tbk's Gross Margin % has ranged from 29.69 to 43.03. According to the industry distribution chart, PT Buana Finance Tbk ranks #266 out of 387 companies in the Credit Services industry, placing it in the top 68.7%.
Is PT Buana Finance Tbk's Gross Margin % too high?
PT Buana Finance Tbk's current Gross Margin % of 35.40% is near median its 10-year median of 34.47. Over the past 10 years, this metric has ranged from a low of 29.69 to a high of 43.03. The Credit Services industry median Gross Margin % is 51.81. PT Buana Finance Tbk's value of 35.40% is 31.7% below this industry median. Based on the distribution chart, PT Buana Finance Tbk ranks #266 out of 387 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Buana Finance Tbk has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Buana Finance Tbk's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Buana Finance Tbk ranks #266 out of 387 companies for Gross Margin %. This places PT Buana Finance Tbk in the lower half of its industry. The industry median Gross Margin % is 51.81. PT Buana Finance Tbk's value of 35.40% is 31.7% below this benchmark. Historically, PT Buana Finance Tbk's own Gross Margin % has ranged from 29.69 to 43.03 over the past decade. While the company's 10-year median is 34.47 vs. the industry median of 51.81, PT Buana 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.81, based on 387 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 Buana Finance Tbk's current Gross Margin % of 35.40% is 31.7% 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 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 Buana Finance Tbk and its competitors. For the Credit Services industry, the median Gross Margin % is 51.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Buana Finance Tbk's current Gross Margin % is 35.40%, which is near median its own 10-year median of 34.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Buana Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Buana Finance Tbk (ISX:BBLD) is currently considered Possible Value Trap. The stock's GF Value™ is Rp831.64, compared to a current price of Rp545.00 — trading 34.5% below its estimated fair value. The current Gross Margin % is 35.40%, which is near median its 10-year median of 34.47 and 31.7% below the Credit Services industry median of 51.81. PT Buana Finance Tbk's overall GF Score™ is 58/100 with 7 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 Buana Finance Tbk (ISX:BBLD), the current Gross Margin % is 35.40% 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 Buana Finance Tbk (ISX:BBLD) Overvalued in 2026?
Based on GuruFocus' analysis, PT Buana Finance Tbk stock appears to be undervalued.
The current stock price of Rp545.00 is trading 34.5% below its estimated GF Value™ of Rp831.64.
GuruFocus considers PT Buana Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:BBLD:
Gross Margin %: 35.40% (near median its 10-year median of 34.47)
GF Value™: Rp831.64 vs. price of Rp545.00 (34.5% below fair value)
Industry Position: 31.7% below the Credit Services median (#266 of 387)
No single metric tells the full story. See the ISX:BBLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressJalan Prof. Dr. Satrio Kav. 11, Lantai 38, Unit A-F, Office Tower, Ciputra World 2, Karet Semanggi, Setiabudi, South Jakarta, Jakarta, IDN, 12950
PT Buana Finance Tbk is engaged in Investment Financing, Working Capital Financing, Multipurpose Financing, other financing business activities subject to OJK approval, and other supporting business activities. Its Investment Financing activities include Financial Lease, Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Installment Financing, Project Financing,. Infrastructure Financing; Working Capital Financing includes Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Working Capital Facility. The company's operating segments represent the product types: finance lease and consumer financing.
58GF Score
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