PT BFI Finance Indonesia TbkISX:BFIN +2.14%85 Operating Margin % is 28.63% as of Mar. 2026, which is 25% below its 10-year median of 38.36. GuruFocus rates ISX:BFIN with a GF Score™ of 85/100 and a GF Value™ of Rp956.61 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 412 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 69.66% on this metric.
PT BFI Finance Indonesia Tbk (ISX:BFIN) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
PT BFI Finance Indonesia Tbk Operating Margin % Related Terms
PT BFI Finance Indonesia Tbk Operating 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.
PT BFI Finance Indonesia Tbk Operating Margin % Chart
ISX:BFIN vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's Operating Margin % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's Operating Margin % falls into.
PT BFI Finance Indonesia Tbk Operating Margin % Calculation
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* 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 (ISX:BFIN) has a Operating Margin % of 28.63% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 25% below median its historical median of 38.36. Over the past decade, PT BFI Finance Indonesia Tbk's Operating Margin % has ranged from 23.02 to 44.13. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #125 out of 412 companies in the Credit Services industry, placing it in the top 30.3%.
Is PT BFI Finance Indonesia Tbk's Operating Margin % too high?
PT BFI Finance Indonesia Tbk's current Operating Margin % of 28.63% is 25% below median its 10-year median of 38.36. Over the past 10 years, this metric has ranged from a low of 23.02 to a high of 44.13. The Credit Services industry median Operating Margin % is 17.33. PT BFI Finance Indonesia Tbk's value of 28.63% is 65.3% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #125 out of 412 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #125 out of 412 companies for Operating Margin %. This puts PT BFI Finance Indonesia Tbk in the upper half of its industry. The industry median Operating Margin % is 17.33. PT BFI Finance Indonesia Tbk's value of 28.63% is 65.3% above this benchmark. Historically, PT BFI Finance Indonesia Tbk's own Operating Margin % has ranged from 23.02 to 44.13 over the past decade. While the company's 10-year median is 38.36 vs. the industry median of 17.33, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating 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 Operating Margin % of 28.63% is 65.3% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current Operating Margin % is 28.63%, which is 25% below median its own 10-year median of 38.36. 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 (ISX:BFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp956.61, compared to a current price of Rp715.00 — trading 25.3% below its estimated fair value. The current Operating Margin % is 28.63%, which is 25% below median its 10-year median of 38.36 and 65.3% above the Credit Services industry median of 17.33. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (ISX:BFIN), the current Operating Margin % is 28.63% 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 (ISX:BFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp715.00 is trading 25.3% below its estimated GF Value™ of Rp956.61.
GuruFocus considers PT BFI Finance Indonesia Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BFIN:
Operating Margin %: 28.63% (25% below median its 10-year median of 38.36)
GF Value™: Rp956.61 vs. price of Rp715.00 (25.3% below fair value)
Industry Position: 65.3% above the Credit Services median (#125 of 412)
No single metric tells the full story. See the ISX:BFIN 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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