This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for PT Clipan Finance Indonesia Tbk's Median PS Value or its related term are showing as below:
ISX:CFIN'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.81 Med: 1.05 Max: 1.59
Current: 1.04
During the past 13 years, the highest Price to Median PS Value of PT Clipan Finance Indonesia Tbk was 1.59. The lowest was 0.81. And the median was 1.05.
ISX:CFIN's Price-to-Median-PS-Value is ranked worse than 60.42% of 288
companies
in the Credit Services industry
Industry Median: 0.91
vs ISX:CFIN: 1.04
PT Clipan Finance Indonesia Tbk (ISX:CFIN) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
PT Clipan Finance Indonesia Tbk's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
322.00
/
308.18
=
1.04
* 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 Median PS Value Related Terms
PT Clipan Finance Indonesia Tbk Median PS Value 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.
PT Clipan Finance Indonesia Tbk Median PS Value Chart
ISX:CFIN vs V, MA, AXP: Median PS Value Comparison
For the Credit Services subindustry, PT Clipan Finance Indonesia Tbk's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.871.
PT Clipan Finance Indonesia Tbk's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp353.808.
* 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 Median PS Value of Rp308.18 as of Jul. 04, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on PT Clipan Finance Indonesia Tbk and its competitors. This is 29250% above median its historical median of 1.05. Over the past decade, PT Clipan Finance Indonesia Tbk's Median PS Value has ranged from 0.81 to 1.59. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #174 out of 288 companies in the Credit Services industry, placing it in the top 60.4%.
Is PT Clipan Finance Indonesia Tbk's Median PS Value too high?
PT Clipan Finance Indonesia Tbk's current Median PS Value of Rp308.18 is 29250% above median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.81 to a high of 1.59. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #174 out of 288 companies in the Credit Services industry, which is below 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 Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #174 out of 288 companies for Median PS Value. This places PT Clipan Finance Indonesia Tbk in the lower half of its industry. The industry median Median PS Value is 0.91. Historically, PT Clipan Finance Indonesia Tbk's own Median PS Value has ranged from 0.81 to 1.59 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.91, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on PT Clipan Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Median PS Value is 0.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Clipan Finance Indonesia Tbk's current Median PS Value is Rp308.18, which is 29250% above median its own 10-year median of 1.05. 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 Median PS Value is Rp308.18, which is 29250% above median its 10-year median of 1.05. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current Median PS Value is Rp308.18 as of Jul. 04, 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:
Median PS Value: Rp308.18 (29250% above median its 10-year median of 1.05)
GF Value™: Rp347.38 vs. price of Rp322.00 (7.3% below fair value)
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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