What is PT BFI Finance Indonesia Tbk Net Margin %?
PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 Net Margin % is 20.74% as of Mar. 2026, which is 21% below its 10-year median of 26.12. 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. Among 534 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 64.42% on this metric.
The historical rank and industry rank for PT BFI Finance Indonesia Tbk's Net Margin % or its related term are showing as below:
FRA:PR2'
s Net Margin % Range Over the Past 10 Years
Min: 14.09 Med: 26.12 Max: 35.13
Current: 22.75
FRA:PR2's Net Margin % is ranked better than 64.42% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs FRA:PR2: 22.75
PT BFI Finance Indonesia Tbk (FRA:PR2) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PT BFI Finance Indonesia Tbk Net Margin % Related Terms
PT BFI Finance Indonesia Tbk Net Margin % 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.
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's Net Margin % falls into.
* 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 BFI Finance Indonesia Tbk (FRA:PR2) has a Net Margin % of 20.74% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 21% below median its historical median of 26.12. Over the past decade, PT BFI Finance Indonesia Tbk's Net Margin % has ranged from 14.09 to 35.13. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #190 out of 534 companies in the Credit Services industry, placing it in the top 35.6%.
Is PT BFI Finance Indonesia Tbk's Net Margin % too high?
PT BFI Finance Indonesia Tbk's current Net Margin % of 20.74% is 21% below median its 10-year median of 26.12. Over the past 10 years, this metric has ranged from a low of 14.09 to a high of 35.13. The Credit Services industry median Net Margin % is 14.52. PT BFI Finance Indonesia Tbk's value of 20.74% is 42.8% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #190 out of 534 companies in the Credit Services industry, which is above the industry midpoint. 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #190 out of 534 companies for Net Margin %. This puts PT BFI Finance Indonesia Tbk in the upper half of its industry. The industry median Net Margin % is 14.52. PT BFI Finance Indonesia Tbk's value of 20.74% is 42.8% above this benchmark. Historically, PT BFI Finance Indonesia Tbk's own Net Margin % has ranged from 14.09 to 35.13 over the past decade. While the company's 10-year median is 26.12 vs. the industry median of 14.52, PT BFI Finance Indonesia Tbk has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current Net Margin % of 20.74% is 42.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current Net Margin % is 20.74%, which is 21% below median its own 10-year median of 26.12. 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 Net Margin % is 20.74%, which is 21% below median its 10-year median of 26.12 and 42.8% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current Net Margin % is 20.74% as of Mar. 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:
Net Margin %: 20.74% (21% below median its 10-year median of 26.12)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 42.8% above the Credit Services median (#190 of 534)
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 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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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