* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for PT Clipan Finance Indonesia Tbk's PEG Ratio or its related term are showing as below:
ISX:CFIN'
s PEG Ratio Range Over the Past 10 Years
Min: 0.06 Med: 0.4 Max: 4.35
Current: 0.86
During the past 13 years, PT Clipan Finance Indonesia Tbk's highest PEG Ratio was 4.35. The lowest was 0.06. And the median was 0.40.
ISX:CFIN's PEG Ratio is ranked better than 51.28% of 234
companies
in the Credit Services industry
Industry Median: 0.89
vs ISX:CFIN: 0.86
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
PT Clipan Finance Indonesia Tbk (ISX:CFIN) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
PT Clipan Finance Indonesia Tbk PEG Ratio Related Terms
PT Clipan Finance Indonesia Tbk PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's PEG Ratio distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a PEG Ratio of 0.86 as of Jul. 04, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. This is 115% above median its historical median of 0.40. Over the past decade, PT Clipan Finance Indonesia Tbk's PEG Ratio has ranged from 0.06 to 4.35. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #114 out of 234 companies in the Credit Services industry, placing it in the top 48.7%.
Is PT Clipan Finance Indonesia Tbk's PEG Ratio too high?
PT Clipan Finance Indonesia Tbk's current PEG Ratio of 0.86 is 115% above median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 4.35. The Credit Services industry median PEG Ratio is 0.89. PT Clipan Finance Indonesia Tbk's value of 0.86 is 3.4% below this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #114 out of 234 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 PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #114 out of 234 companies for PEG Ratio. This puts PT Clipan Finance Indonesia Tbk in the upper half of its industry. The industry median PEG Ratio is 0.89. PT Clipan Finance Indonesia Tbk's value of 0.86 is 3.4% below this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own PEG Ratio has ranged from 0.06 to 4.35 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 0.89, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.89, based on 234 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG 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 PEG Ratio of 0.86 is 3.4% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median PEG Ratio is 0.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Clipan Finance Indonesia Tbk's current PEG Ratio is 0.86, which is 115% above median its own 10-year median of 0.40. 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 PEG Ratio is 0.86, which is 115% above median its 10-year median of 0.40 and 3.4% below the Credit Services industry median of 0.89. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current PEG Ratio is 0.86 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:
PEG Ratio: 0.86 (115% above median its 10-year median of 0.40)
GF Value™: Rp347.38 vs. price of Rp322.00 (7.3% below fair value)
Industry Position: 3.4% below the Credit Services median (#114 of 234)
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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