PT KDB Tifa Finance TbkISX:TIFA +0.88%61 Interest Coverage is 648.04 as of Mar. 2026, which is 140% above its 10-year median of 269.91. GuruFocus rates ISX:TIFA with a GF Score™ of 61/100 and a GF Value™ of Rp528.35 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 165 Credit Services companies, PT KDB Tifa Finance Tbk ranks better than 63.03% on this metric.
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 KDB Tifa Finance Tbk's
Operating Income
for the
three
months ended in Mar. 2026 was Rp14,311 Mil. PT KDB Tifa Finance Tbk's Interest Expense for the
three
months ended in Mar. 2026 was Rp-22 Mil.
PT KDB Tifa Finance Tbk's interest coverage for the quarter that ended in Mar. 2026 was 648.04.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for PT KDB Tifa Finance Tbk's Interest Coverage or its related term are showing as below:
ISX:TIFA'
s Interest Coverage Range Over the Past 10 Years
Min: 1.01 Med: 269.91 Max: 1176.45
Current: 764.2
ISX:TIFA's Interest Coverage is ranked better than 63.03% of 165
companies
in the Credit Services industry
Industry Median: 47.86
vs ISX:TIFA: 764.20
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 KDB Tifa Finance Tbk Interest Coverage Related Terms
PT KDB Tifa Finance Tbk Interest Coverage Historical Data
* Premium members only.
The historical data trend for PT KDB Tifa 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:TIFA vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, PT KDB Tifa 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 KDB Tifa Finance Tbk Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT KDB Tifa Finance Tbk's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PT KDB Tifa 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:
* 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 KDB Tifa Finance Tbk (ISX:TIFA) has a Interest Coverage of 648.04 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT KDB Tifa Finance Tbk and its competitors. This is 140% above median its historical median of 269.91. Over the past decade, PT KDB Tifa Finance Tbk's Interest Coverage has ranged from 1.01 to 1,176.45. According to the industry distribution chart, PT KDB Tifa Finance Tbk ranks #61 out of 165 companies in the Credit Services industry, placing it in the top 37%.
Is PT KDB Tifa Finance Tbk's Interest Coverage too high?
PT KDB Tifa Finance Tbk's current Interest Coverage of 648.04 is 140% above median its 10-year median of 269.91. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 1,176.45. The Credit Services industry median Interest Coverage is 47.86. PT KDB Tifa Finance Tbk's value of 648.04 is 1254% above this industry median. Based on the distribution chart, PT KDB Tifa Finance Tbk ranks #61 out of 165 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, PT KDB Tifa Finance Tbk ranks #61 out of 165 companies for Interest Coverage. This puts PT KDB Tifa Finance Tbk in the upper half of its industry. The industry median Interest Coverage is 47.86. PT KDB Tifa Finance Tbk's value of 648.04 is 1254% above this benchmark. Historically, PT KDB Tifa Finance Tbk's own Interest Coverage has ranged from 1.01 to 1,176.45 over the past decade. While the company's 10-year median is 269.91 vs. the industry median of 47.86, PT KDB Tifa Finance 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 47.86, based on 165 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 KDB Tifa Finance Tbk's current Interest Coverage of 648.04 is 1254% 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 KDB Tifa 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 KDB Tifa Finance Tbk's current Interest Coverage is 648.04, which is 140% above median its own 10-year median of 269.91. 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 Rp528.35, compared to a current price of Rp228.00 — trading 56.8% below its estimated fair value. The current Interest Coverage is 648.04, which is 140% above median its 10-year median of 269.91 and 1254% above the Credit Services industry median of 47.86. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For PT KDB Tifa Finance Tbk (ISX:TIFA), the current Interest Coverage is 648.04 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 56.8% below its estimated GF Value™ of Rp528.35.
GuruFocus considers PT KDB Tifa Finance Tbk to be Significantly Undervalued.
Key valuation signals for ISX:TIFA:
Interest Coverage: 648.04 (140% above median its 10-year median of 269.91)
GF Value™: Rp528.35 vs. price of Rp228.00 (56.8% below fair value)
Industry Position: 1254% above the Credit Services median (#61 of 165)
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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