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.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-23), PT Clipan Finance Indonesia Tbk's 3-1 Month Momentum % is 1.81%.
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
PT Clipan Finance Indonesia Tbk 3-1 Month Momentum % Related Terms
ISX:CFIN vs V, MA, AXP: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, PT Clipan Finance Indonesia Tbk's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's 3-1 Month Momentum % falls into.
* 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 3-1 Month Momentum % of 1.81% as of Aug. 23, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #271 out of 565 companies in the Credit Services industry, placing it in the top 48%.
Is PT Clipan Finance Indonesia Tbk's 3-1 Month Momentum % too high?
PT Clipan Finance Indonesia Tbk's current 3-1 Month Momentum % is 1.81%. The Credit Services industry median 3-1 Month Momentum % is 0.95. PT Clipan Finance Indonesia Tbk's value of 1.81% is 90.5% above this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #271 out of 565 companies in the Credit Services industry, which is above the industry midpoint. 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 3-1 Month Momentum % compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #271 out of 565 companies for 3-1 Month Momentum %. This puts PT Clipan Finance Indonesia Tbk in the upper half of its industry. The industry median 3-1 Month Momentum % is 0.95. PT Clipan Finance Indonesia Tbk's value of 1.81% is 90.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
The median 3-1 Month Momentum % among Credit Services companies is 0.95, based on 565 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Clipan Finance Indonesia Tbk's current 3-1 Month Momentum % of 1.81% is 90.5% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median 3-1 Month Momentum % is 0.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Clipan Finance Indonesia Tbk's current 3-1 Month Momentum % is 1.81%. 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 Rp329.94, compared to a current price of Rp358.00 — trading 8.5% above its estimated fair value. The current 3-1 Month Momentum % is 1.81% and 90.5% above the Credit Services industry median of 0.95. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current 3-1 Month Momentum % is 1.81% as of Aug. 23, 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 Rp358.00 is trading 8.5% above its estimated GF Value™ of Rp329.94.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:CFIN:
3-1 Month Momentum %: 1.81%
GF Value™: Rp329.94 vs. price of Rp358.00 (8.5% above fair value)
Industry Position: 90.5% above the Credit Services median (#271 of 565)
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.
72GF Score
Get the complete analysis for ISX:CFIN
3-1 Month Momentum % 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:CFIN has been successfully added to your 
