PT Clipan Finance Indonesia Tbk (ISX:CFIN) LT-Debt-to-Total-Asset: 0.35 (As of Mar. 2026)

What is PT Clipan Finance Indonesia Tbk LT-Debt-to-Total-Asset?

PT Clipan Finance Indonesia Tbk ISX:CFIN +0.62% 73 LT-Debt-to-Total-Asset is 0.35 as of Mar. 2026. GuruFocus rates ISX:CFIN with a GF Score™ of 73/100 and a GF Value™ of Rp347.46 (Fairly Valued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. PT Clipan Finance Indonesia Tbk's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.35.

PT Clipan Finance Indonesia Tbk's long-term debt to total assets ratio declined from Mar. 2025 (0.39) to Mar. 2026 (0.35). It may suggest that PT Clipan Finance Indonesia Tbk is progressively becoming less dependent on debt to grow their business.

PT Clipan Finance Indonesia Tbk (ISX:CFIN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

PT Clipan Finance Indonesia Tbk LT-Debt-to-Total-Asset Related Terms

PT Clipan Finance Indonesia Tbk LT-Debt-to-Total-Asset Historical Data

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The historical data trend for PT Clipan Finance Indonesia Tbk's LT-Debt-to-Total-Asset 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.

PT Clipan Finance Indonesia Tbk LT-Debt-to-Total-Asset Chart

PT Clipan Finance Indonesia Tbk Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.24

0.29

0.36

0.40

0.36

PT Clipan Finance Indonesia Tbk Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.39	0.39	0.38	0.36	0.35

73GF Score

PT Clipan Finance Indonesia Tbk ISX:CFIN

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PT Clipan Finance Indonesia Tbk LT-Debt-to-Total-Asset Calculation

PT Clipan Finance Indonesia Tbk's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	3460738.484	/	9527015.875
	=	0.36

PT Clipan Finance Indonesia Tbk's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	3379800.428	/	9585732.19
	=	0.35

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.35 mean?

PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a LT-Debt-to-Total-Asset of 0.35 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on PT Clipan Finance Indonesia Tbk and its competitors.

Is PT Clipan Finance Indonesia Tbk's LT-Debt-to-Total-Asset too high?

PT Clipan Finance Indonesia Tbk's current LT-Debt-to-Total-Asset is 0.35. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does PT Clipan Finance Indonesia Tbk's LT-Debt-to-Total-Asset compare to V and MA?

PT Clipan Finance Indonesia Tbk's LT-Debt-to-Total-Asset of 0.35 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. PT Clipan Finance Indonesia Tbk's current LT-Debt-to-Total-Asset is 0.35. 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 Rp347.46, compared to a current price of Rp324.00 — trading 6.8% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.35. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current LT-Debt-to-Total-Asset is 0.35 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 Rp324.00 is trading 6.8% below its estimated GF Value™ of Rp347.46. GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:CFIN:

LT-Debt-to-Total-Asset: 0.35
GF Value™: Rp347.46 vs. price of Rp324.00 (6.8% below fair value)
GF Score™: 73/100 with 3 warning signs

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

Industry Financial Services Credit Services

Comparable Companies ISX:TIFA ISX:WOMF ISX:BBLD ISX:BPFI ISX:HDFA ISX:FUJI ISX:POLA V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI NSE:CHOLAFIN NSE:TATACAP BOM:532810

Address Jalan Letjen. S. Parman Kav. 12, Wisma Slip, 6th Floor, Jakarta, IDN, 11480

Website https://www.clipan.co.id

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.

73GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp324.00

Price

Rp347.46

GF Value

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