PT KDB Tifa Finance Tbk (ISX:TIFA) Moat Score: 0/10 (As of Aug. 23, 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:TIFA PT KDB Tifa Finance Tbk ISX:TIFA
74 GF Score
Price Rp344.00
GF Value Rp525.03
Valuation Possible Value Trap
! 6 Warning Signs
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What is PT KDB Tifa Finance Tbk Moat Score?

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

PT KDB Tifa Finance 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 KDB Tifa Finance Tbk might have No Moat - No discernible moat.

PT KDB Tifa Finance Tbk  (ISX:TIFA) 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 KDB Tifa Finance Tbk Moat Score Related Terms

ISX:TIFA
74GF Score
PT KDB Tifa Finance Tbk ISX:TIFA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT KDB Tifa Finance Tbk (ISX:TIFA) Overvalued in 2026?

Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk stock appears to be undervalued. The current stock price of Rp344.00 is trading 34.5% below its estimated GF Value™ of Rp525.03. GuruFocus considers PT KDB Tifa Finance Tbk to be Possible Value Trap.

Key valuation signals for ISX:TIFA:

  • Moat Score: 0
  • GF Value™: Rp525.03 vs. price of Rp344.00 (34.5% below fair value)
  • GF Score™: 74/100 with 6 warning signs

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

PT KDB Tifa Finance Tbk Business Description

Address Jalan Jenderal Sudirman Kaveling 52-53, Pacific Century Place Lantai 41, SCBD Lot 10, South Jakarta, Jakarta, IDN, 12190
PT KDB Tifa Finance Tbk is a financial service company. Its activities comprise investment financing, sharia financing, working capital financing, multipurpose financing, other financing business activities based on approval of OJK, operating lease, and/or fee-based activities to the extent not inconsistent with legislation. The Company has four segments, including finance lease, multipurpose financing, sharia financing, and treasury. It generates maximum revenue from the Finance Lease segment.
74GF Score

Get the complete analysis for ISX:TIFA

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

Rp344.00
Price
Rp525.03
GF Value