PT Woori Finance Indonesia Tbk (ISX:BPFI) Margin of Safety % (DCF Dividends Based): 23.90% (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ISX:BPFI PT Woori Finance Indonesia Tbk ISX:BPFI
62 GF Score
Price Rp246.00
GF Value Rp425.27
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is PT Woori Finance Indonesia Tbk Margin of Safety % (DCF Dividends Based)?

PT Woori Finance Indonesia Tbk ISX:BPFI 62 Margin of Safety % (DCF Dividends Based) is 23.90% as of Jul. 15, 2026. GuruFocus rates ISX:BPFI with a GF Score™ of 62/100 and a GF Value™ of Rp425.27 (Possible Value Trap). The stock has 6 warning signs investors should review.

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

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-15), PT Woori Finance Indonesia Tbk's Predictability Rank is 3.5-Stars. PT Woori Finance Indonesia Tbk's intrinsic value calculated from the Discounted Dividend model is Rp359.16 and current share price is Rp246.00. Consequently,

PT Woori Finance Indonesia Tbk's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 23.90%.

ISX:BPFI vs V, MA, AXP: Margin of Safety % (DCF Dividends Based) Comparison

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

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

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


ISX:BPFI
62GF Score
PT Woori Finance Indonesia Tbk ISX:BPFI
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Woori Finance Indonesia Tbk Margin of Safety % (DCF Dividends Based) Calculation

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

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(323.24-246.00)/323.24
=23.90 %

* 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 Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 23.90% mean?
PT Woori Finance Indonesia Tbk (ISX:BPFI) has a Margin of Safety % (DCF Dividends Based) of 23.90% as of Jul. 15, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on PT Woori Finance Indonesia Tbk.
Is PT Woori Finance Indonesia Tbk's Margin of Safety % (DCF Dividends Based) too high?
PT Woori Finance Indonesia Tbk's current Margin of Safety % (DCF Dividends Based) is 23.90%. Overall, PT Woori Finance Indonesia Tbk has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Woori Finance Indonesia Tbk's Margin of Safety % (DCF Dividends Based) compare to V and MA?
PT Woori Finance Indonesia Tbk's Margin of Safety % (DCF Dividends Based) of 23.90% 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 Dividends Based) for a Credit Services company?
A good Margin of Safety % (DCF Dividends Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF Dividends 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 Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on PT Woori Finance Indonesia Tbk. PT Woori Finance Indonesia Tbk's current Margin of Safety % (DCF Dividends Based) is 23.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Woori Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk (ISX:BPFI) is currently considered Possible Value Trap. The stock's GF Value™ is Rp425.27, compared to a current price of Rp246.00 — trading 42.2% below its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is 23.90%. PT Woori Finance Indonesia Tbk's overall GF Score™ is 62/100 with 6 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 Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For PT Woori Finance Indonesia Tbk (ISX:BPFI), the current Margin of Safety % (DCF Dividends Based) is 23.90% as of Jul. 15, 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 Woori Finance Indonesia Tbk (ISX:BPFI) Overvalued in 2026?

Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk stock appears to be undervalued. The current stock price of Rp246.00 is trading 42.2% below its estimated GF Value™ of Rp425.27. GuruFocus considers PT Woori Finance Indonesia Tbk to be Possible Value Trap.

Key valuation signals for ISX:BPFI:

  • Margin of Safety % (DCF Dividends Based): 23.90%
  • GF Value™: Rp425.27 vs. price of Rp246.00 (42.2% below fair value)
  • GF Score™: 62/100 with 6 warning signs

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

PT Woori Finance Indonesia Tbk Business Description

Address Jl. Jend. Sudirman Kav. 21, Gedung Chase Plaza 16th Floor, Jakarta, IDN, 12920
PT Woori Finance Indonesia Tbk is a multi-finance company. The firm engages in the provision of consumer financing, financial leasing, and factoring services. It operates through the following segments: Finance Lease, Consumer Financing, and Factoring. It offers financing for used passenger and commercial automobiles. The majority of the firm's revenue comes from the Consumer Financing segment.
62GF Score

Get the complete analysis for ISX:BPFI

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

Rp246.00
Price
Rp425.27
GF Value