Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PT Radana Bhaskara Finance Tbk stock PB Ratio (=1.18) is close to 1-year low of 1.08.
The historical rank and industry rank for PT Radana Bhaskara Finance Tbk's PB Ratio or its related term are showing as below:
ISX:HDFA'
s PB Ratio Range Over the Past 10 Years
Min: 0.55 Med: 1.46 Max: 3.21
Current: 1.18
During the past 11 years, PT Radana Bhaskara Finance Tbk's highest PB Ratio was 3.21. The lowest was 0.55. And the median was 1.46.
ISX:HDFA's PB Ratio is ranked worse than 53.42% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs ISX:HDFA: 1.18
During the past 12 months, PT Radana Bhaskara Finance Tbk's average Book Value Per Share Growth Rate was -14.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -10.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.50% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Radana Bhaskara Finance Tbk was 4.20% per year. The lowest was -27.30% per year. And the median was -3.10% per year.
Back to Basics: PB Ratio
PT Radana Bhaskara Finance Tbk (ISX:HDFA) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PT Radana Bhaskara Finance Tbk PB Ratio Related Terms
PT Radana Bhaskara Finance Tbk PB 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.
For the Credit Services subindustry, PT Radana Bhaskara Finance Tbk's PB Ratio, along with its competitors' market caps and PB 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 Radana Bhaskara Finance Tbk PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Radana Bhaskara Finance Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Radana Bhaskara Finance Tbk's PB Ratio falls into.
PT Radana Bhaskara Finance Tbk PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PT Radana Bhaskara Finance Tbk (ISX:HDFA) has a PB Ratio of 1.18 as of Jul. 22, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Radana Bhaskara Finance Tbk and its competitors. This is 19% below median its historical median of 1.46. Over the past decade, PT Radana Bhaskara Finance Tbk's PB Ratio has ranged from 0.55 to 3.21. According to the industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #281 out of 526 companies in the Credit Services industry, placing it in the top 53.4%.
Is PT Radana Bhaskara Finance Tbk's PB Ratio too high?
PT Radana Bhaskara Finance Tbk's current PB Ratio of 1.18 is 19% below median its 10-year median of 1.46. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 3.21. The Credit Services industry median PB Ratio is 1.06. PT Radana Bhaskara Finance Tbk's value of 1.18 is 11.3% above this industry median. Based on the distribution chart, PT Radana Bhaskara Finance Tbk ranks #281 out of 526 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Radana Bhaskara Finance Tbk has a GF Score™ of 53/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Radana Bhaskara Finance Tbk's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #281 out of 526 companies for PB Ratio. This places PT Radana Bhaskara Finance Tbk in the lower half of its industry. The industry median PB Ratio is 1.06. PT Radana Bhaskara Finance Tbk's value of 1.18 is 11.3% above this benchmark. Historically, PT Radana Bhaskara Finance Tbk's own PB Ratio has ranged from 0.55 to 3.21 over the past decade. While the company's 10-year median is 1.46 vs. the industry median of 1.06, PT Radana Bhaskara 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 526 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Radana Bhaskara Finance Tbk's current PB Ratio of 1.18 is 11.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Radana Bhaskara Finance Tbk and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Radana Bhaskara Finance Tbk's current PB Ratio is 1.18, which is 19% below median its own 10-year median of 1.46. 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 Rp122.58, compared to a current price of Rp89.00 — trading 27.4% below its estimated fair value. The current PB Ratio is 1.18, which is 19% below median its 10-year median of 1.46 and 11.3% above the Credit Services industry median of 1.06. PT Radana Bhaskara Finance Tbk's overall GF Score™ is 53/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PT Radana Bhaskara Finance Tbk (ISX:HDFA), the current PB Ratio is 1.18 as of Jul. 22, 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 Rp89.00 is trading 27.4% below its estimated GF Value™ of Rp122.58.
GuruFocus considers PT Radana Bhaskara Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:HDFA:
PB Ratio: 1.18 (19% below median its 10-year median of 1.46)
GF Value™: Rp122.58 vs. price of Rp89.00 (27.4% below fair value)
Industry Position: 11.3% above the Credit Services median (#281 of 526)
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.
53GF Score
Get the complete analysis for ISX:HDFA
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:HDFA has been successfully added to your 
