PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 PE Ratio (TTM) is 7.33 as of Jun. 24, 2026, which is 18% below its 10-year median of 8.97. GuruFocus rates FRA:PR2 with a GF Score™ of 85/100 and a GF Value™ of €0.04 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 409 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 78.73% on this metric.
During the past 12 months, PT BFI Finance Indonesia Tbk's average EPS without NRIGrowth Rate was -4.30% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -1.50% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 19.00% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 8.90% per year.
During the past 13 years, PT BFI Finance Indonesia Tbk's highest 3-Year average EPS without NRI Growth Rate was 38.40% per year. The lowest was -17.50% per year. And the median was 14.45% per year.
PT BFI Finance Indonesia Tbk (FRA:PR2) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
PT BFI Finance Indonesia Tbk PE Ratio (TTM) Related Terms
PT BFI Finance Indonesia Tbk PE Ratio (TTM) 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 BFI Finance Indonesia Tbk's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 BFI Finance Indonesia Tbk PE Ratio (TTM) vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's PE Ratio (TTM) falls into.
PT BFI Finance Indonesia Tbk PE Ratio (TTM) Calculation
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
PT BFI Finance Indonesia Tbk's Share Price of today is €0.0293.
PT BFI Finance Indonesia Tbk's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.00.
* 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:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
PT BFI Finance Indonesia Tbk (FRA:PR2) has a PE Ratio (TTM) of 7.33 as of Jun. 24, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 18% below median its historical median of 8.97. Over the past decade, PT BFI Finance Indonesia Tbk's PE Ratio (TTM) has ranged from 5.12 to 64.98. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #87 out of 409 companies in the Credit Services industry, placing it in the top 21.3%.
Is PT BFI Finance Indonesia Tbk's PE Ratio (TTM) too high?
PT BFI Finance Indonesia Tbk's current PE Ratio (TTM) of 7.33 is 18% below median its 10-year median of 8.97. Over the past 10 years, this metric has ranged from a low of 5.12 to a high of 64.98. The Credit Services industry median PE Ratio (TTM) is 13.46. PT BFI Finance Indonesia Tbk's value of 7.33 is 45.5% below this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #87 out of 409 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT BFI Finance Indonesia Tbk has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT BFI Finance Indonesia Tbk's PE Ratio (TTM) compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #87 out of 409 companies for PE Ratio (TTM). This places PT BFI Finance Indonesia Tbk in the top 21% of its industry — outperforming the majority of peers. The industry median PE Ratio (TTM) is 13.46. PT BFI Finance Indonesia Tbk's value of 7.33 is 45.5% below this benchmark. Historically, PT BFI Finance Indonesia Tbk's own PE Ratio (TTM) has ranged from 5.12 to 64.98 over the past decade. While the company's 10-year median is 8.97 vs. the industry median of 13.46, PT BFI 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 PE Ratio (TTM) for a Credit Services company?
The median PE Ratio (TTM) among Credit Services companies is 13.46, based on 409 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current PE Ratio (TTM) of 7.33 is 45.5% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median PE Ratio (TTM) is 13.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current PE Ratio (TTM) is 7.33, which is 18% below median its own 10-year median of 8.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT BFI Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk (FRA:PR2) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.04, compared to a current price of €0.03 — trading 26.8% below its estimated fair value. The current PE Ratio (TTM) is 7.33, which is 18% below median its 10-year median of 8.97 and 45.5% below the Credit Services industry median of 13.46. PT BFI Finance Indonesia Tbk's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current PE Ratio (TTM) is 7.33 as of Jun. 24, 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 BFI Finance Indonesia Tbk (FRA:PR2) Overvalued in 2026?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of €0.03 is trading 26.8% below its estimated GF Value™ of €0.04.
GuruFocus considers PT BFI Finance Indonesia Tbk to be Modestly Undervalued.
Key valuation signals for FRA:PR2:
PE Ratio (TTM): 7.33 (18% below median its 10-year median of 8.97)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 45.5% below the Credit Services median (#87 of 409)
No single metric tells the full story. See the FRA:PR2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT BFI Finance Indonesia Tbk is a multifinance company based in Indonesia. It offers Sharia financing solutions, such as umrah capital financing, financing for buying a used car, and other multipurpose Sharia-compliant credit products. Additionally, the company offers financial leasing solutions to individual and corporate customers who purchase or engage in the sale and leaseback of heavy equipment, machinery, motor vehicles, and other equipment. It also offers consumer financing for new and used cars purchased via dealers and secured financing for used cars, used motorcycles, and real estate. The company's operating segments are: Cars, Motorcycles, and Others. Maximum revenue is generated from the Cars segment, which includes income derived from car financing solutions.
85GF Score
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