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PT Pool Advista Finance TbkISX:POLA +1.72%66 Net Margin % is 20.56% as of Jun. 2026, which is 414% above its 10-year median of 4.00. GuruFocus rates ISX:POLA with a GF Score™ of 66/100 and a GF Value™ of Rp27.85 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 537 Credit Services companies, PT Pool Advista Finance Tbk ranks better than 77.09% on this metric.
PT Pool Advista Finance Tbk (ISX:POLA) 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 Pool Advista Finance Tbk Net Margin % Related Terms
PT Pool Advista 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 Pool Advista 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 Pool Advista Finance Tbk Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Pool Advista Finance Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Pool Advista 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 Pool Advista Finance Tbk (ISX:POLA) has a Net Margin % of 20.56% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Pool Advista Finance Tbk and its competitors. This is 414% above median its historical median of 4.00. According to the industry distribution chart, PT Pool Advista Finance Tbk ranks #123 out of 537 companies in the Credit Services industry, placing it in the top 22.9%.
Is PT Pool Advista Finance Tbk's Net Margin % too high?
PT Pool Advista Finance Tbk's current Net Margin % of 20.56% is 414% above median its 10-year median of 4.00. The Credit Services industry median Net Margin % is 15.07. PT Pool Advista Finance Tbk's value of 20.56% is 36.4% above this industry median. Based on the distribution chart, PT Pool Advista Finance Tbk ranks #123 out of 537 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT Pool Advista Finance Tbk has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Pool Advista Finance Tbk's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Pool Advista Finance Tbk ranks #123 out of 537 companies for Net Margin %. This places PT Pool Advista Finance Tbk in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 15.07. PT Pool Advista Finance Tbk's value of 20.56% is 36.4% above this benchmark. While the company's 10-year median is 4.00 vs. the industry median of 15.07, PT Pool Advista Finance 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 15.07, based on 537 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 Pool Advista Finance Tbk's current Net Margin % of 20.56% is 36.4% 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 Pool Advista Finance Tbk and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Pool Advista Finance Tbk's current Net Margin % is 20.56%, which is 414% above median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Pool Advista Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Pool Advista Finance Tbk (ISX:POLA) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp27.85, compared to a current price of Rp59.00 — trading 111.8% above its estimated fair value. The current Net Margin % is 20.56%, which is 414% above median its 10-year median of 4.00 and 36.4% above the Credit Services industry median of 15.07. PT Pool Advista Finance Tbk's overall GF Score™ is 66/100 with 1 warning sign 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 Pool Advista Finance Tbk (ISX:POLA), the current Net Margin % is 20.56% as of Jun. 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 Pool Advista Finance Tbk (ISX:POLA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Pool Advista Finance Tbk stock appears to be overvalued.
The current stock price of Rp59.00 is trading 111.8% above its estimated GF Value™ of Rp27.85.
GuruFocus considers PT Pool Advista Finance Tbk to be Significantly Overvalued.
Key valuation signals for ISX:POLA:
Net Margin %: 20.56% (414% above median its 10-year median of 4.00)
GF Value™: Rp27.85 vs. price of Rp59.00 (111.8% above fair value)
Industry Position: 36.4% above the Credit Services median (#123 of 537)
No single metric tells the full story. See the ISX:POLA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Pool Advista Finance Tbk Engaged in Conventional Financing, Operating Lease, and other fee-based activities, and Sharia Financing. The company's segments are divided into business segments, consisting of working capital financing, investment financing, multipurpose financing, Sharia Financing, and Others The company derives maximum revenue from Sharia Financing.
66GF Score
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