The historical rank and industry rank for PT Clipan Finance Indonesia Tbk's PB Ratio or its related term are showing as below:
ISX:CFIN'
s PB Ratio Range Over the Past 10 Years
Min: 0.14 Med: 0.26 Max: 0.51
Current: 0.22
During the past 13 years, PT Clipan Finance Indonesia Tbk's highest PB Ratio was 0.51. The lowest was 0.14. And the median was 0.26.
ISX:CFIN's PB Ratio is ranked better than 94.27% of 524
companies
in the Credit Services industry
Industry Median: 1.05
vs ISX:CFIN: 0.22
During the past 12 months, PT Clipan Finance Indonesia Tbk's average Book Value Per Share Growth Rate was 0.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Clipan Finance Indonesia Tbk was 12.40% per year. The lowest was 2.80% per year. And the median was 7.40% per year.
Back to Basics: PB Ratio
PT Clipan Finance Indonesia Tbk (ISX:CFIN) 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 Clipan Finance Indonesia Tbk PB Ratio Related Terms
PT Clipan Finance Indonesia 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 Clipan Finance Indonesia 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 Clipan Finance Indonesia Tbk PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's PB Ratio falls into.
PT Clipan Finance Indonesia 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 Clipan Finance Indonesia Tbk (ISX:CFIN) has a PB Ratio of 0.22 as of Jul. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. This is 15% below median its historical median of 0.26. Over the past decade, PT Clipan Finance Indonesia Tbk's PB Ratio has ranged from 0.14 to 0.51. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #30 out of 524 companies in the Credit Services industry, placing it in the top 5.7%.
Is PT Clipan Finance Indonesia Tbk's PB Ratio too high?
PT Clipan Finance Indonesia Tbk's current PB Ratio of 0.22 is 15% below median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.51. The Credit Services industry median PB Ratio is 1.05. PT Clipan Finance Indonesia Tbk's value of 0.22 is 79% below this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #30 out of 524 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #30 out of 524 companies for PB Ratio. This places PT Clipan Finance Indonesia Tbk in the top 6% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.05. PT Clipan Finance Indonesia Tbk's value of 0.22 is 79% below this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own PB Ratio has ranged from 0.14 to 0.51 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 1.05, PT Clipan Finance Indonesia 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 524 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 Clipan Finance Indonesia Tbk's current PB Ratio of 0.22 is 79% 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 Clipan Finance Indonesia 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 Clipan Finance Indonesia Tbk's current PB Ratio is 0.22, which is 15% below median its own 10-year median of 0.26. 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 Rp347.38, compared to a current price of Rp322.00 — trading 7.3% below its estimated fair value. The current PB Ratio is 0.22, which is 15% below median its 10-year median of 0.26 and 79% below the Credit Services industry median of 1.05. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 72/100 with 5 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 Clipan Finance Indonesia Tbk (ISX:CFIN), the current PB Ratio is 0.22 as of Jul. 04, 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 undervalued.
The current stock price of Rp322.00 is trading 7.3% below its estimated GF Value™ of Rp347.38.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:CFIN:
PB Ratio: 0.22 (15% below median its 10-year median of 0.26)
GF Value™: Rp347.38 vs. price of Rp322.00 (7.3% below fair value)
Industry Position: 79% below the Credit Services median (#30 of 524)
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 Business Description
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.
72GF Score
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