PT KDB Tifa Finance TbkISX:TIFA +0.88%61 Gross Margin % is 48.24% as of Mar. 2026, which is 16% below its 10-year median of 57.30. GuruFocus rates ISX:TIFA with a GF Score™ of 61/100 and a GF Value™ of Rp528.42 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 386 Credit Services companies, PT KDB Tifa Finance Tbk ranks better than 53.89% 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 KDB Tifa Finance Tbk had a gross margin of 48.24% 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 KDB Tifa Finance Tbk Gross Margin % Related Terms
PT KDB Tifa Finance 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 KDB Tifa 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 KDB Tifa Finance Tbk Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT KDB Tifa Finance Tbk's Gross Margin % distribution charts can be found below:
* The bar in red indicates where PT KDB Tifa 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 KDB Tifa Finance Tbk (ISX:TIFA) has a Gross Margin % of 48.24% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on PT KDB Tifa Finance Tbk and its competitors. This is 16% below median its historical median of 57.30. Over the past decade, PT KDB Tifa Finance Tbk's Gross Margin % has ranged from 41.75 to 83.43. According to the industry distribution chart, PT KDB Tifa Finance Tbk ranks #178 out of 386 companies in the Credit Services industry, placing it in the top 46.1%.
Is PT KDB Tifa Finance Tbk's Gross Margin % too high?
PT KDB Tifa Finance Tbk's current Gross Margin % of 48.24% is 16% below median its 10-year median of 57.30. Over the past 10 years, this metric has ranged from a low of 41.75 to a high of 83.43. The Credit Services industry median Gross Margin % is 51.85. PT KDB Tifa Finance Tbk's value of 48.24% is 7% below this industry median. Based on the distribution chart, PT KDB Tifa Finance Tbk ranks #178 out of 386 companies in the Credit Services industry, which is above 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT KDB Tifa Finance Tbk ranks #178 out of 386 companies for Gross Margin %. This puts PT KDB Tifa Finance Tbk in the upper half of its industry. The industry median Gross Margin % is 51.85. PT KDB Tifa Finance Tbk's value of 48.24% is 7% below this benchmark. Historically, PT KDB Tifa Finance Tbk's own Gross Margin % has ranged from 41.75 to 83.43 over the past decade. While the company's 10-year median is 57.30 vs. the industry median of 51.85, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 386 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 KDB Tifa Finance Tbk's current Gross Margin % of 48.24% is 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 KDB Tifa Finance Tbk and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT KDB Tifa Finance Tbk's current Gross Margin % is 48.24%, which is 16% below median its own 10-year median of 57.30. 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 Rp528.42, compared to a current price of Rp228.00 — trading 56.9% below its estimated fair value. The current Gross Margin % is 48.24%, which is 16% below median its 10-year median of 57.30 and 7% below the Credit Services industry median of 51.85. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For PT KDB Tifa Finance Tbk (ISX:TIFA), the current Gross Margin % is 48.24% 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 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 56.9% below its estimated GF Value™ of Rp528.42.
GuruFocus considers PT KDB Tifa Finance Tbk to be Significantly Undervalued.
Key valuation signals for ISX:TIFA:
Gross Margin %: 48.24% (16% below median its 10-year median of 57.30)
GF Value™: Rp528.42 vs. price of Rp228.00 (56.9% below fair value)
Industry Position: 7% below the Credit Services median (#178 of 386)
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
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