PT KDB Tifa Finance TbkISX:TIFA +0.88%61 Operating Margin % is 34.18% as of Mar. 2026, which is 25% below its 10-year median of 45.87. GuruFocus rates ISX:TIFA with a GF Score™ of 61/100 and a GF Value™ of Rp528.35 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 412 Credit Services companies, PT KDB Tifa Finance Tbk ranks better than 76.94% on this metric.
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 KDB Tifa Finance Tbk Operating Margin % Related Terms
PT KDB Tifa Finance Tbk Operating Margin % Historical Data
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The historical data trend for PT KDB Tifa Finance Tbk's Operating 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.
ISX:TIFA vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, PT KDB Tifa Finance 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 KDB Tifa Finance Tbk Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT KDB Tifa Finance Tbk's Operating Margin % distribution charts can be found below:
* The bar in red indicates where PT KDB Tifa Finance Tbk's Operating Margin % falls into.
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.
PT KDB Tifa Finance Tbk's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 KDB Tifa Finance Tbk (ISX:TIFA) has a Operating Margin % of 34.18% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on PT KDB Tifa Finance Tbk and its competitors. This is 25% below median its historical median of 45.87. Over the past decade, PT KDB Tifa Finance Tbk's Operating Margin % has ranged from 32.69 to 65.70. According to the industry distribution chart, PT KDB Tifa Finance Tbk ranks #95 out of 412 companies in the Credit Services industry, placing it in the top 23.1%.
Is PT KDB Tifa Finance Tbk's Operating Margin % too high?
PT KDB Tifa Finance Tbk's current Operating Margin % of 34.18% is 25% below median its 10-year median of 45.87. Over the past 10 years, this metric has ranged from a low of 32.69 to a high of 65.70. The Credit Services industry median Operating Margin % is 17.47. PT KDB Tifa Finance Tbk's value of 34.18% is 95.6% above this industry median. Based on the distribution chart, PT KDB Tifa Finance Tbk ranks #95 out of 412 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT KDB Tifa Finance Tbk has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT KDB Tifa Finance Tbk's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT KDB Tifa Finance Tbk ranks #95 out of 412 companies for Operating Margin %. This places PT KDB Tifa Finance Tbk in the top 23% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.47. PT KDB Tifa Finance Tbk's value of 34.18% is 95.6% above this benchmark. Historically, PT KDB Tifa Finance Tbk's own Operating Margin % has ranged from 32.69 to 65.70 over the past decade. While the company's 10-year median is 45.87 vs. the industry median of 17.47, PT KDB Tifa 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.47, 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 KDB Tifa Finance Tbk's current Operating Margin % of 34.18% is 95.6% 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 KDB Tifa Finance Tbk and its competitors. For the Credit Services industry, the median Operating Margin % is 17.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT KDB Tifa Finance Tbk's current Operating Margin % is 34.18%, which is 25% below median its own 10-year median of 45.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT KDB Tifa Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk (ISX:TIFA) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp528.35, compared to a current price of Rp228.00 — trading 56.8% below its estimated fair value. The current Operating Margin % is 34.18%, which is 25% below median its 10-year median of 45.87 and 95.6% above the Credit Services industry median of 17.47. PT KDB Tifa Finance Tbk's overall GF Score™ is 61/100 with 6 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 KDB Tifa Finance Tbk (ISX:TIFA), the current Operating Margin % is 34.18% 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 KDB Tifa Finance Tbk (ISX:TIFA) Overvalued in 2026?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk stock appears to be undervalued.
The current stock price of Rp228.00 is trading 56.8% below its estimated GF Value™ of Rp528.35.
GuruFocus considers PT KDB Tifa Finance Tbk to be Significantly Undervalued.
Key valuation signals for ISX:TIFA:
Operating Margin %: 34.18% (25% below median its 10-year median of 45.87)
GF Value™: Rp528.35 vs. price of Rp228.00 (56.8% below fair value)
Industry Position: 95.6% above the Credit Services median (#95 of 412)
No single metric tells the full story. See the ISX:TIFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT KDB Tifa Finance Tbk is a financial service company. Its activities comprise investment financing, sharia financing, working capital financing, multipurpose financing, other financing business activities based on approval of OJK, operating lease, and/or fee-based activities to the extent not inconsistent with legislation. The Company has four segments, including finance lease, multipurpose financing, sharia financing, and treasury. It generates maximum revenue from the Finance Lease segment.
61GF Score
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