PT BFI Finance Indonesia Tbk (FRA:PR2) Margin of Safety % (DCF Earnings Based): 51.17% (As of Jun. 24, 2026)


FRA:PR2 PT BFI Finance Indonesia Tbk FRA:PR2
85 GF Score
Price €0.03
GF Value €0.04
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT BFI Finance Indonesia Tbk Margin of Safety % (DCF Earnings Based)?

PT BFI Finance Indonesia Tbk FRA:PR2 +2.45% 85 Margin of Safety % (DCF Earnings Based) is 51.17% as of Jun. 24, 2026. GuruFocus rates FRA:PR2 with a GF Score™ of 85/100 and a GF Value™ of €0.04 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), PT BFI Finance Indonesia Tbk's Predictability Rank is 3-Stars. PT BFI Finance Indonesia Tbk's intrinsic value calculated from the Discounted Earnings model is €0.06 and current share price is €0.0293. Consequently,

PT BFI Finance Indonesia Tbk's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 51.17%.

FRA:PR2 vs V, MA, AXP: Margin of Safety % (DCF Earnings Based) Comparison

For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 BFI Finance Indonesia Tbk Margin of Safety % (DCF Earnings Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where PT BFI Finance Indonesia Tbk's Margin of Safety % (DCF Earnings Based) falls into.


FRA:PR2
85GF Score
PT BFI Finance Indonesia Tbk FRA:PR2
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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PT BFI Finance Indonesia Tbk Margin of Safety % (DCF Earnings Based) Calculation

PT BFI Finance Indonesia Tbk's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(0.06-0.0293)/0.06
=51.17 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 51.17% mean?
PT BFI Finance Indonesia Tbk (FRA:PR2) has a Margin of Safety % (DCF Earnings Based) of 51.17% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PT BFI Finance Indonesia Tbk.
Is PT BFI Finance Indonesia Tbk's Margin of Safety % (DCF Earnings Based) too high?
PT BFI Finance Indonesia Tbk's current Margin of Safety % (DCF Earnings Based) is 51.17%. Overall, PT BFI Finance Indonesia Tbk has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT BFI Finance Indonesia Tbk's Margin of Safety % (DCF Earnings Based) compare to V and MA?
PT BFI Finance Indonesia Tbk's Margin of Safety % (DCF Earnings Based) of 51.17% 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 Margin of Safety % (DCF Earnings Based) for a Credit Services company?
A good Margin of Safety % (DCF Earnings Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PT BFI Finance Indonesia Tbk. PT BFI Finance Indonesia Tbk's current Margin of Safety % (DCF Earnings Based) is 51.17%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT BFI Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk (FRA:PR2) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.04, compared to a current price of €0.03 — trading 26.8% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 51.17%. PT BFI Finance Indonesia Tbk's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current Margin of Safety % (DCF Earnings Based) is 51.17% as of Jun. 24, 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 BFI Finance Indonesia Tbk (FRA:PR2) Overvalued in 2026?

Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk stock appears to be undervalued. The current stock price of €0.03 is trading 26.8% below its estimated GF Value™ of €0.04. GuruFocus considers PT BFI Finance Indonesia Tbk to be Modestly Undervalued.

Key valuation signals for FRA:PR2:

  • Margin of Safety % (DCF Earnings Based): 51.17%
  • GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
  • GF Score™: 85/100 with 2 warning signs

No single metric tells the full story. See the FRA:PR2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT BFI Finance Indonesia Tbk Business Description

Other Exchanges BFIN:Indonesia
Address Jalan Kapten Soebijanto Djojohadikusumo, BFI Tower, Sunburst CBD Lot 1.2, BSD City, South Tangerang, Tangerang, IDN, 15322
PT BFI Finance Indonesia Tbk is a multifinance company based in Indonesia. It offers Sharia financing solutions, such as umrah capital financing, financing for buying a used car, and other multipurpose Sharia-compliant credit products. Additionally, the company offers financial leasing solutions to individual and corporate customers who purchase or engage in the sale and leaseback of heavy equipment, machinery, motor vehicles, and other equipment. It also offers consumer financing for new and used cars purchased via dealers and secured financing for used cars, used motorcycles, and real estate. The company's operating segments are: Cars, Motorcycles, and Others. Maximum revenue is generated from the Cars segment, which includes income derived from car financing solutions.
85GF Score

Get the complete analysis for FRA:PR2

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.03
Price
€0.04
GF Value