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What is PT Woori Finance Indonesia Tbk Net Margin %?
PT Woori Finance Indonesia TbkISX:BPFI 62 Net Margin % is 27.04% as of Mar. 2026, which is 34% above its 10-year median of 20.22. GuruFocus rates ISX:BPFI with a GF Score™ of 62/100 and a GF Value™ of Rp425.27 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 534 Credit Services companies, PT Woori Finance Indonesia Tbk ranks better than 60.11% on this metric.
The historical rank and industry rank for PT Woori Finance Indonesia Tbk's Net Margin % or its related term are showing as below:
ISX:BPFI'
s Net Margin % Range Over the Past 10 Years
Min: 15.65 Med: 20.22 Max: 27.2
Current: 19.61
ISX:BPFI's Net Margin % is ranked better than 60.11% of 534
companies
in the Credit Services industry
Industry Median: 14.59
vs ISX:BPFI: 19.61
PT Woori Finance Indonesia Tbk (ISX:BPFI) 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 Woori Finance Indonesia Tbk Net Margin % Related Terms
PT Woori 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 Woori 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 Woori Finance Indonesia Tbk Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Woori Finance Indonesia Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Woori 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 Woori Finance Indonesia Tbk (ISX:BPFI) has a Net Margin % of 27.04% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Woori Finance Indonesia Tbk and its competitors. This is 34% above median its historical median of 20.22. Over the past decade, PT Woori Finance Indonesia Tbk's Net Margin % has ranged from 15.65 to 27.20. According to the industry distribution chart, PT Woori Finance Indonesia Tbk ranks #213 out of 534 companies in the Credit Services industry, placing it in the top 39.9%.
Is PT Woori Finance Indonesia Tbk's Net Margin % too high?
PT Woori Finance Indonesia Tbk's current Net Margin % of 27.04% is 34% above median its 10-year median of 20.22. Over the past 10 years, this metric has ranged from a low of 15.65 to a high of 27.20. The Credit Services industry median Net Margin % is 14.59. PT Woori Finance Indonesia Tbk's value of 27.04% is 85.3% above this industry median. Based on the distribution chart, PT Woori Finance Indonesia Tbk ranks #213 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT Woori Finance Indonesia Tbk has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Woori Finance Indonesia Tbk's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Woori Finance Indonesia Tbk ranks #213 out of 534 companies for Net Margin %. This puts PT Woori Finance Indonesia Tbk in the upper half of its industry. The industry median Net Margin % is 14.59. PT Woori Finance Indonesia Tbk's value of 27.04% is 85.3% above this benchmark. Historically, PT Woori Finance Indonesia Tbk's own Net Margin % has ranged from 15.65 to 27.20 over the past decade. While the company's 10-year median is 20.22 vs. the industry median of 14.59, PT Woori 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 14.59, 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 Woori Finance Indonesia Tbk's current Net Margin % of 27.04% is 85.3% 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 Woori Finance Indonesia 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 Woori Finance Indonesia Tbk's current Net Margin % is 27.04%, which is 34% above median its own 10-year median of 20.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Woori Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk (ISX:BPFI) is currently considered Possible Value Trap. The stock's GF Value™ is Rp425.27, compared to a current price of Rp246.00 — trading 42.2% below its estimated fair value. The current Net Margin % is 27.04%, which is 34% above median its 10-year median of 20.22 and 85.3% above the Credit Services industry median of 14.59. PT Woori Finance Indonesia Tbk's overall GF Score™ is 62/100 with 6 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 Woori Finance Indonesia Tbk (ISX:BPFI), the current Net Margin % is 27.04% 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 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:
Net Margin %: 27.04% (34% above median its 10-year median of 20.22)
GF Value™: Rp425.27 vs. price of Rp246.00 (42.2% below fair value)
Industry Position: 85.3% above the Credit Services median (#213 of 534)
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
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
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