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Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. PT Buana Finance Tbk's
Operating Income
for the
three
months ended in Mar. 2026 was Rp-8,266 Mil. PT Buana Finance Tbk's Interest Expense for the
three
months ended in Mar. 2026 was Rp-170 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for PT Buana Finance Tbk's Interest Coverage or its related term are showing as below:
ISX:BBLD's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 47.86 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
PT Buana Finance Tbk Interest Coverage Related Terms
PT Buana Finance Tbk Interest Coverage Historical Data
* Premium members only.
The historical data trend for PT Buana Finance Tbk's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ISX:BBLD vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, PT Buana Finance Tbk's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PT Buana Finance Tbk's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
PT Buana Finance Tbk did not have earnings to cover the interest expense.
* 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.
What does a Interest Coverage of 0 (At Loss) mean?
PT Buana Finance Tbk (ISX:BBLD) has a Interest Coverage of 0 (At Loss) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Buana Finance Tbk and its competitors. According to the industry distribution chart, PT Buana Finance Tbk ranks #999999 out of 163 companies in the Credit Services industry.
Is PT Buana Finance Tbk's Interest Coverage too high?
PT Buana Finance Tbk's current Interest Coverage is 0 (At Loss). Based on the distribution chart, PT Buana Finance Tbk ranks #999999 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, PT Buana Finance Tbk ranks #999999 out of 163 companies for Interest Coverage. This places PT Buana Finance Tbk in the lower half of its industry. The industry median Interest Coverage is 47.86. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Buana Finance Tbk and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Buana Finance Tbk's current Interest Coverage is 0 (At Loss). 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 Interest Coverage is 0 (At Loss). 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For PT Buana Finance Tbk (ISX:BBLD), the current Interest Coverage is 0 (At Loss) 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:
Interest Coverage: 0 (At Loss)
GF Value™: Rp831.64 vs. price of Rp545.00 (34.5% below fair value)
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
Get the complete analysis for ISX:BBLD
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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