PT Clipan Finance Indonesia Tbk (ISX:CFIN) 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 Clipan Finance Indonesia Tbk had a gross margin of 65.31% 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 Clipan Finance Indonesia Tbk Gross Margin % Related Terms
PT Clipan 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.
PT Clipan Finance Indonesia Tbk Gross Margin % Chart
For the Credit Services subindustry, PT Clipan 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 Clipan Finance Indonesia Tbk Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's Gross Margin % distribution charts can be found below:
* The bar in red indicates where PT Clipan 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 Clipan Finance Indonesia Tbk (ISX:CFIN) has a Gross Margin % of 65.31% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. This is 11% above median its historical median of 58.95. Over the past decade, PT Clipan Finance Indonesia Tbk's Gross Margin % has ranged from 52.97 to 70.24. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #142 out of 387 companies in the Credit Services industry, placing it in the top 36.7%.
Is PT Clipan Finance Indonesia Tbk's Gross Margin % too high?
PT Clipan Finance Indonesia Tbk's current Gross Margin % of 65.31% is 11% above median its 10-year median of 58.95. Over the past 10 years, this metric has ranged from a low of 52.97 to a high of 70.24. The Credit Services industry median Gross Margin % is 51.88. PT Clipan Finance Indonesia Tbk's value of 65.31% is 25.9% above this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #142 out of 387 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #142 out of 387 companies for Gross Margin %. This puts PT Clipan Finance Indonesia Tbk in the upper half of its industry. The industry median Gross Margin % is 51.88. PT Clipan Finance Indonesia Tbk's value of 65.31% is 25.9% above this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own Gross Margin % has ranged from 52.97 to 70.24 over the past decade. While the company's 10-year median is 58.95 vs. the industry median of 51.88, PT Clipan 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 51.88, 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 Clipan Finance Indonesia Tbk's current Gross Margin % of 65.31% is 25.9% 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 Clipan Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Clipan Finance Indonesia Tbk's current Gross Margin % is 65.31%, which is 11% above median its own 10-year median of 58.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Clipan Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk (ISX:CFIN) is currently considered Fairly Valued. The stock's GF Value™ is Rp347.38, compared to a current price of Rp322.00 — trading 7.3% below its estimated fair value. The current Gross Margin % is 65.31%, which is 11% above median its 10-year median of 58.95 and 25.9% above the Credit Services industry median of 51.88. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 72/100 with 5 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 Clipan Finance Indonesia Tbk (ISX:CFIN), the current Gross Margin % is 65.31% 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 Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp322.00 is trading 7.3% below its estimated GF Value™ of Rp347.38.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:CFIN:
Gross Margin %: 65.31% (11% above median its 10-year median of 58.95)
GF Value™: Rp347.38 vs. price of Rp322.00 (7.3% below fair value)
Industry Position: 25.9% above the Credit Services median (#142 of 387)
No single metric tells the full story. See the ISX:CFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Clipan Finance Indonesia Tbk Business Description
PT Clipan Finance Indonesia Tbk is an Indonesian company engaged in providing financing solutions for new cars, used cars, heavy equipment, and multipurpose vehicles. Its operating segments are: Factoring, Sale and leaseback, Finance lease, and Consumer financing. The majority of its revenue is generated from the Consumer financing segment, which includes income generated from services like investment financing, working capital financing, and multi-purpose financing.
72GF Score
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