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 Clipan Finance Indonesia Tbk's
Operating Income
for the
three
months ended in Mar. 2026 was Rp183,536 Mil. PT Clipan Finance Indonesia Tbk's Interest Expense for the
three
months ended in Mar. 2026 was Rp-507 Mil.
PT Clipan Finance Indonesia Tbk's interest coverage for the quarter that ended in Mar. 2026 was 361.71.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for PT Clipan Finance Indonesia Tbk's Interest Coverage or its related term are showing as below:
ISX:CFIN'
s Interest Coverage Range Over the Past 10 Years
Min: 18.55 Med: 94.33 Max: 364.22
Current: 349.98
ISX:CFIN's Interest Coverage is ranked better than 62.2% of 164
companies
in the Credit Services industry
Industry Median: 49.41
vs ISX:CFIN: 349.98
PT Clipan Finance Indonesia Tbk (ISX:CFIN) Interest Coverage Explanation
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 Clipan Finance Indonesia Tbk Interest Coverage Related Terms
PT Clipan Finance Indonesia Tbk Interest Coverage 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.
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.
PT Clipan Finance Indonesia Tbk Interest Coverage Chart
ISX:CFIN vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, PT Clipan Finance Indonesia 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 Clipan Finance Indonesia Tbk Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's Interest Coverage falls into.
PT Clipan Finance Indonesia Tbk Interest Coverage Calculation
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:
* 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 (ISX:CFIN) has a Interest Coverage of 361.71 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. This is 283% above median its historical median of 94.33. Over the past decade, PT Clipan Finance Indonesia Tbk's Interest Coverage has ranged from 18.55 to 364.22. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #62 out of 164 companies in the Credit Services industry, placing it in the top 37.8%.
Is PT Clipan Finance Indonesia Tbk's Interest Coverage too high?
PT Clipan Finance Indonesia Tbk's current Interest Coverage of 361.71 is 283% above median its 10-year median of 94.33. Over the past 10 years, this metric has ranged from a low of 18.55 to a high of 364.22. The Credit Services industry median Interest Coverage is 49.41. PT Clipan Finance Indonesia Tbk's value of 361.71 is 632.1% above this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #62 out of 164 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #62 out of 164 companies for Interest Coverage. This puts PT Clipan Finance Indonesia Tbk in the upper half of its industry. The industry median Interest Coverage is 49.41. PT Clipan Finance Indonesia Tbk's value of 361.71 is 632.1% above this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own Interest Coverage has ranged from 18.55 to 364.22 over the past decade. While the company's 10-year median is 94.33 vs. the industry median of 49.41, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 164 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. PT Clipan Finance Indonesia Tbk's current Interest Coverage of 361.71 is 632.1% 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 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 Clipan Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Clipan Finance Indonesia Tbk's current Interest Coverage is 361.71, which is 283% above median its own 10-year median of 94.33. 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 Interest Coverage is 361.71, which is 283% above median its 10-year median of 94.33 and 632.1% above the Credit Services industry median of 49.41. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current Interest Coverage is 361.71 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:
Interest Coverage: 361.71 (283% above median its 10-year median of 94.33)
GF Value™: Rp347.38 vs. price of Rp322.00 (7.3% below fair value)
Industry Position: 632.1% above the Credit Services median (#62 of 164)
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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