The historical rank and industry rank for PT Radana Bhaskara Finance Tbk's Net Margin % or its related term are showing as below:
ISX:HDFA'
s Net Margin % Range Over the Past 10 Years
Min: -2160.65 Med: -38.5 Max: 35.35
Current: -58.46
ISX:HDFA's Net Margin % is ranked worse than 90.82% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs ISX:HDFA: -58.46
PT Radana Bhaskara Finance Tbk (ISX:HDFA) 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 Radana Bhaskara Finance Tbk Net Margin % Related Terms
PT Radana Bhaskara Finance 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 Radana Bhaskara 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 Radana Bhaskara Finance Tbk Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Radana Bhaskara Finance Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Radana Bhaskara 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 Radana Bhaskara Finance Tbk (ISX:HDFA) has a Net Margin % of 5.08% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Radana Bhaskara Finance Tbk and its competitors. According to the industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #485 out of 534 companies in the Credit Services industry, placing it in the top 90.8%.
Is PT Radana Bhaskara Finance Tbk's Net Margin % too high?
PT Radana Bhaskara Finance Tbk's current Net Margin % is 5.08%. The Credit Services industry median Net Margin % is 14.52. PT Radana Bhaskara Finance Tbk's value of 5.08% is 65% below this industry median. Based on the distribution chart, PT Radana Bhaskara Finance Tbk ranks #485 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PT Radana Bhaskara Finance Tbk has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Radana Bhaskara Finance Tbk's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #485 out of 534 companies for Net Margin %. This places PT Radana Bhaskara Finance Tbk in the lower half of its industry. The industry median Net Margin % is 14.52. PT Radana Bhaskara Finance Tbk's value of 5.08% is 65% below this benchmark. 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 Radana Bhaskara Finance Tbk's current Net Margin % of 5.08% is 65% 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 Radana Bhaskara Finance 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 Radana Bhaskara Finance Tbk's current Net Margin % is 5.08%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Radana Bhaskara Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk (ISX:HDFA) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp122.20, compared to a current price of Rp93.00 — trading 23.9% below its estimated fair value. The current Net Margin % is 5.08% and 65% below the Credit Services industry median of 14.52. PT Radana Bhaskara Finance Tbk's overall GF Score™ is 54/100 with 4 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 Radana Bhaskara Finance Tbk (ISX:HDFA), the current Net Margin % is 5.08% 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 Radana Bhaskara Finance Tbk (ISX:HDFA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk stock appears to be undervalued.
The current stock price of Rp93.00 is trading 23.9% below its estimated GF Value™ of Rp122.20.
GuruFocus considers PT Radana Bhaskara Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:HDFA:
Net Margin %: 5.08%
GF Value™: Rp122.20 vs. price of Rp93.00 (23.9% below fair value)
Industry Position: 65% below the Credit Services median (#485 of 534)
No single metric tells the full story. See the ISX:HDFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Radana Bhaskara Finance Tbk Business Description
AddressJl. TB Simatupang, No. 2 Rt. 001/Rw. 005, CIBIS Nine Building 11th Floor Suite W-16, Kel. Cilandak Timur, Kec. Pasar Minggu, Jakarta, IDN, 12560
PT Radana Bhaskara Finance Tbk is engaged in the field of financing institutions, which includes Investment Financing, Working Capital Financing and Multipurpose Financing, as well as other Financing business activities. The Sharia business activities include: Sale and Purchase Financing, Investment Financing, and Service Financing. Its segments include Factoring, ABF, and Legacy. It derives majority of revenue from factoring segment.
54GF Score
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