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.
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.
PT Buana Finance TbkISX:BBLD +1.87%58 Net Margin % is 0.79% as of Mar. 2026, which is 91% below its 10-year median of 8.42. GuruFocus rates ISX:BBLD with a GF Score™ of 58/100 and a GF Value™ of Rp831.64 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 534 Credit Services companies, PT Buana Finance Tbk ranks worse than 78.09% on this metric.
The historical rank and industry rank for PT Buana Finance Tbk's Net Margin % or its related term are showing as below:
ISX:BBLD'
s Net Margin % Range Over the Past 10 Years
Min: 0.64 Med: 8.42 Max: 16.19
Current: 0.64
ISX:BBLD's Net Margin % is ranked worse than 78.09% of 534
companies
in the Credit Services industry
Industry Median: 14.59
vs ISX:BBLD: 0.64
PT Buana Finance Tbk (ISX:BBLD) 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 Buana Finance Tbk Net Margin % Related Terms
PT Buana Finance Tbk Net Margin % Historical Data
* Premium members only.
The historical data trend for PT Buana Finance Tbk's Net Margin % can be seen below:
* 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 Buana Finance 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 Buana Finance Tbk Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Buana Finance 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 Buana Finance Tbk (ISX:BBLD) has a Net Margin % of 0.79% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Buana Finance Tbk and its competitors. This is 91% below median its historical median of 8.42. Over the past decade, PT Buana Finance Tbk's Net Margin % has ranged from 0.64 to 16.19. According to the industry distribution chart, PT Buana Finance Tbk ranks #417 out of 534 companies in the Credit Services industry, placing it in the top 78.1%.
Is PT Buana Finance Tbk's Net Margin % too high?
PT Buana Finance Tbk's current Net Margin % of 0.79% is 91% below median its 10-year median of 8.42. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 16.19. The Credit Services industry median Net Margin % is 14.59. PT Buana Finance Tbk's value of 0.79% is 94.6% below this industry median. Based on the distribution chart, PT Buana Finance Tbk ranks #417 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PT Buana Finance Tbk has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Buana Finance Tbk's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Buana Finance Tbk ranks #417 out of 534 companies for Net Margin %. This places PT Buana Finance Tbk in the lower half of its industry. The industry median Net Margin % is 14.59. PT Buana Finance Tbk's value of 0.79% is 94.6% below this benchmark. Historically, PT Buana Finance Tbk's own Net Margin % has ranged from 0.64 to 16.19 over the past decade. While the company's 10-year median is 8.42 vs. the industry median of 14.59, PT Buana Finance Tbk has consistently been below 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 14.59, 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 Buana Finance Tbk's current Net Margin % of 0.79% is 94.6% below 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 Buana Finance Tbk and its competitors. For the Credit Services industry, the median Net Margin % is 14.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Buana Finance Tbk's current Net Margin % is 0.79%, which is 91% below median its own 10-year median of 8.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Buana Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Buana Finance Tbk (ISX:BBLD) is currently considered Possible Value Trap. The stock's GF Value™ is Rp831.64, compared to a current price of Rp545.00 — trading 34.5% below its estimated fair value. The current Net Margin % is 0.79%, which is 91% below median its 10-year median of 8.42 and 94.6% below the Credit Services industry median of 14.59. PT Buana Finance Tbk's overall GF Score™ is 58/100 with 7 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 Buana Finance Tbk (ISX:BBLD), the current Net Margin % is 0.79% 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 Buana Finance Tbk (ISX:BBLD) Overvalued in 2026?
Based on GuruFocus' analysis, PT Buana Finance Tbk stock appears to be undervalued.
The current stock price of Rp545.00 is trading 34.5% below its estimated GF Value™ of Rp831.64.
GuruFocus considers PT Buana Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:BBLD:
Net Margin %: 0.79% (91% below median its 10-year median of 8.42)
GF Value™: Rp831.64 vs. price of Rp545.00 (34.5% below fair value)
Industry Position: 94.6% below the Credit Services median (#417 of 534)
No single metric tells the full story. See the ISX:BBLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressJalan Prof. Dr. Satrio Kav. 11, Lantai 38, Unit A-F, Office Tower, Ciputra World 2, Karet Semanggi, Setiabudi, South Jakarta, Jakarta, IDN, 12950
PT Buana Finance Tbk is engaged in Investment Financing, Working Capital Financing, Multipurpose Financing, other financing business activities subject to OJK approval, and other supporting business activities. Its Investment Financing activities include Financial Lease, Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Installment Financing, Project Financing,. Infrastructure Financing; Working Capital Financing includes Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Working Capital Facility. The company's operating segments represent the product types: finance lease and consumer financing.
58GF Score
Get the complete analysis for ISX:BBLD
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:BBLD has been successfully added to your 
