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PT Clipan Finance Indonesia TbkISX:CFIN 71 Dividend Payout Ratio is 1.66 as of Jun. 2026, which is 253% above its 10-year median of 0.47. GuruFocus rates ISX:CFIN with a GF Score™ of 71/100 and a GF Value™ of Rp329.82 (Fairly Valued). The stock has 4 warning signs investors should review. Among 194 Credit Services companies, PT Clipan Finance Indonesia Tbk ranks worse than 59.28% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. PT Clipan Finance Indonesia Tbk's Dividend Payout Ratio for the
months ended in Jun. 2026 was 1.66.
The historical rank and industry rank for PT Clipan Finance Indonesia Tbk's Dividend Payout Ratio or its related term are showing as below:
ISX:CFIN'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.35 Med: 0.47 Max: 0.6
Current: 0.36
During the past 13 years, the highest Dividend Payout Ratio of PT Clipan Finance Indonesia Tbk was 0.60. The lowest was 0.35. And the median was 0.47.
ISX:CFIN's Dividend Payout Ratio is ranked worse than 59.28% of 194
companies
in the Credit Services industry
Industry Median: 0.3
vs ISX:CFIN: 0.36
During the past 13 years, the highest Trailing Annual Dividend Yield of PT Clipan Finance Indonesia Tbk was 21.01%. The lowest was 13.23%. And the median was 15.98%.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of PT Clipan Finance Indonesia Tbk was 44.90% per year. The lowest was 6.80% per year. And the median was 25.85% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
PT Clipan Finance Indonesia Tbk (ISX:CFIN) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
PT Clipan Finance Indonesia Tbk Dividend Payout Ratio Related Terms
PT Clipan Finance Indonesia Tbk Dividend Payout Ratio 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 Clipan Finance Indonesia Tbk Dividend Payout Ratio Chart
ISX:CFIN vs V, MA, AXP: Dividend Payout Ratio Comparison
For the Credit Services subindustry, PT Clipan Finance Indonesia Tbk's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Clipan Finance Indonesia Tbk Dividend Payout Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's Dividend Payout Ratio falls into.
PT Clipan Finance Indonesia Tbk Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
* 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 Clipan Finance Indonesia Tbk (ISX:CFIN) has a Dividend Payout Ratio of 1.66 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. This is 253% above median its historical median of 0.47. Over the past decade, PT Clipan Finance Indonesia Tbk's Dividend Payout Ratio has ranged from 0.35 to 0.60. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #115 out of 194 companies in the Credit Services industry, placing it in the top 59.3%.
Is PT Clipan Finance Indonesia Tbk's Dividend Payout Ratio too high?
PT Clipan Finance Indonesia Tbk's current Dividend Payout Ratio of 1.66 is 253% above median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 0.60. The Credit Services industry median Dividend Payout Ratio is 0.30. PT Clipan Finance Indonesia Tbk's value of 1.66 is 453.3% above this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #115 out of 194 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's Dividend Payout Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #115 out of 194 companies for Dividend Payout Ratio. This places PT Clipan Finance Indonesia Tbk in the lower half of its industry. The industry median Dividend Payout Ratio is 0.30. PT Clipan Finance Indonesia Tbk's value of 1.66 is 453.3% above this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own Dividend Payout Ratio has ranged from 0.35 to 0.60 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 0.30, PT Clipan 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 Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.30, based on 194 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Clipan Finance Indonesia Tbk's current Dividend Payout Ratio of 1.66 is 453.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Clipan Finance Indonesia Tbk's current Dividend Payout Ratio is 1.66, which is 253% above median its own 10-year median of 0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Clipan Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk (ISX:CFIN) is currently considered Fairly Valued. The stock's GF Value™ is Rp329.82, compared to a current price of Rp350.00 — trading 6.1% above its estimated fair value. The current Dividend Payout Ratio is 1.66, which is 253% above median its 10-year median of 0.47 and 453.3% above the Credit Services industry median of 0.30. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current Dividend Payout Ratio is 1.66 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 Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp350.00 is trading 6.1% above its estimated GF Value™ of Rp329.82.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:CFIN:
Dividend Payout Ratio: 1.66 (253% above median its 10-year median of 0.47)
GF Value™: Rp329.82 vs. price of Rp350.00 (6.1% above fair value)
Industry Position: 453.3% above the Credit Services median (#115 of 194)
No single metric tells the full story. See the ISX:CFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Clipan Finance Indonesia Tbk is an Indonesian company engaged in providing financing solutions for new cars, used cars, heavy equipment, and multipurpose vehicles. Its operating segments are: Factoring, Sale and leaseback, Finance lease, and Consumer financing. The majority of its revenue is generated from the Consumer financing segment, which includes income generated from services like investment financing, working capital financing, and multi-purpose financing.
71GF Score
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