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PT Buana Finance TbkISX:BBLD +1.87%58 PB Ratio is 0.64 as of Jul. 15, 2026, which is 7% below its 10-year median of 0.69. GuruFocus rates ISX:BBLD with a GF Score™ of 58/100 and a GF Value™ of Rp831.98 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 525 Credit Services companies, PT Buana Finance Tbk ranks better than 74.29% on this metric.
PT Buana Finance Tbk stock PB Ratio (=0.62) is close to 3-year low of 0.6.
The historical rank and industry rank for PT Buana Finance Tbk's PB Ratio or its related term are showing as below:
ISX:BBLD'
s PB Ratio Range Over the Past 10 Years
Min: 0.37 Med: 0.69 Max: 1.53
Current: 0.63
During the past 13 years, PT Buana Finance Tbk's highest PB Ratio was 1.53. The lowest was 0.37. And the median was 0.69.
ISX:BBLD's PB Ratio is ranked better than 74.29% of 525
companies
in the Credit Services industry
Industry Median: 1.05
vs ISX:BBLD: 0.63
During the past 12 months, PT Buana Finance Tbk's average Book Value Per Share Growth Rate was -1.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Buana Finance Tbk was 5.70% per year. The lowest was -0.20% per year. And the median was 2.80% per year.
Back to Basics: PB Ratio
PT Buana Finance Tbk (ISX:BBLD) 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 Buana Finance Tbk PB Ratio Related Terms
PT Buana Finance Tbk PB Ratio Historical Data
* Premium members only.
The historical data trend for PT Buana Finance Tbk's PB Ratio 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.
For the Credit Services subindustry, PT Buana 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 Buana Finance Tbk PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Buana Finance Tbk's PB Ratio falls into.
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 Buana Finance Tbk (ISX:BBLD) has a PB Ratio of 0.64 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Buana Finance Tbk and its competitors. This is near median its historical median of 0.69. Over the past decade, PT Buana Finance Tbk's PB Ratio has ranged from 0.37 to 1.53. According to the industry distribution chart, PT Buana Finance Tbk ranks #135 out of 525 companies in the Credit Services industry, placing it in the top 25.7%.
Is PT Buana Finance Tbk's PB Ratio too high?
PT Buana Finance Tbk's current PB Ratio of 0.64 is near median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 1.53. The Credit Services industry median PB Ratio is 1.05. PT Buana Finance Tbk's value of 0.64 is 39% below this industry median. Based on the distribution chart, PT Buana Finance Tbk ranks #135 out of 525 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT Buana Finance Tbk has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Buana Finance Tbk's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Buana Finance Tbk ranks #135 out of 525 companies for PB Ratio. This puts PT Buana Finance Tbk in the upper half of its industry. The industry median PB Ratio is 1.05. PT Buana Finance Tbk's value of 0.64 is 39% below this benchmark. Historically, PT Buana Finance Tbk's own PB Ratio has ranged from 0.37 to 1.53 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 1.05, PT Buana Finance Tbk has consistently been below 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 1.05, based on 525 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 Buana Finance Tbk's current PB Ratio of 0.64 is 39% below 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 Buana Finance Tbk and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Buana Finance Tbk's current PB Ratio is 0.64, which is near median its own 10-year median of 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Buana Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Buana Finance Tbk (ISX:BBLD) is currently considered Possible Value Trap. The stock's GF Value™ is Rp831.98, compared to a current price of Rp545.00 — trading 34.5% below its estimated fair value. The current PB Ratio is 0.64, which is near median its 10-year median of 0.69 and 39% below the Credit Services industry median of 1.05. PT Buana Finance Tbk's overall GF Score™ is 58/100 with 7 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 Buana Finance Tbk (ISX:BBLD), the current PB Ratio is 0.64 as of Jul. 15, 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 Buana Finance Tbk (ISX:BBLD) Overvalued in 2026?
Based on GuruFocus' analysis, PT Buana Finance Tbk stock appears to be undervalued.
The current stock price of Rp545.00 is trading 34.5% below its estimated GF Value™ of Rp831.98.
GuruFocus considers PT Buana Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:BBLD:
PB Ratio: 0.64 (near median its 10-year median of 0.69)
GF Value™: Rp831.98 vs. price of Rp545.00 (34.5% below fair value)
Industry Position: 39% below the Credit Services median (#135 of 525)
No single metric tells the full story. See the ISX:BBLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressJalan Prof. Dr. Satrio Kav. 11, Lantai 38, Unit A-F, Office Tower, Ciputra World 2, Karet Semanggi, Setiabudi, South Jakarta, Jakarta, IDN, 12950
PT Buana Finance Tbk is engaged in Investment Financing, Working Capital Financing, Multipurpose Financing, other financing business activities subject to OJK approval, and other supporting business activities. Its Investment Financing activities include Financial Lease, Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Installment Financing, Project Financing,. Infrastructure Financing; Working Capital Financing includes Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Working Capital Facility. The company's operating segments represent the product types: finance lease and consumer financing.
58GF Score
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