PT Woori Finance Indonesia Tbk (ISX:BPFI) Moat Score: 0/10 (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.
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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
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What is PT Woori Finance Indonesia Tbk Moat Score?

PT Woori Finance Indonesia Tbk has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

PT Woori Finance Indonesia Tbk has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PT Woori Finance Indonesia Tbk might have No Moat - No discernible moat.

PT Woori Finance Indonesia Tbk  (ISX:BPFI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PT Woori Finance Indonesia Tbk Moat Score Related Terms

ISX:BPFI
62GF Score
PT Woori Finance Indonesia Tbk ISX:BPFI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • 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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp246.00
Price
Rp425.27
GF Value