PT Radana Bhaskara Finance TbkISX:HDFA -1.16%52 Pretax Margin % is 5.09% as of Mar. 2026, which is 162% above its 10-year median of 1.94. GuruFocus rates ISX:HDFA with a GF Score™ of 52/100 and a GF Value™ of Rp122.30 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 533 Credit Services companies, PT Radana Bhaskara Finance Tbk ranks worse than 91.37% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
PT Radana Bhaskara Finance Tbk Pretax Margin % Related Terms
PT Radana Bhaskara Finance Tbk Pretax Margin % 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.
ISX:HDFA vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, PT Radana Bhaskara Finance Tbk's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Radana Bhaskara Finance Tbk Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Radana Bhaskara Finance Tbk's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where PT Radana Bhaskara Finance Tbk's Pretax Margin % 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 Radana Bhaskara Finance Tbk (ISX:HDFA) has a Pretax Margin % of 5.09% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PT Radana Bhaskara Finance Tbk and its competitors. This is 162% above median its historical median of 1.94. According to the industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #487 out of 533 companies in the Credit Services industry, placing it in the top 91.4%.
Is PT Radana Bhaskara Finance Tbk's Pretax Margin % too high?
PT Radana Bhaskara Finance Tbk's current Pretax Margin % of 5.09% is 162% above median its 10-year median of 1.94. The Credit Services industry median Pretax Margin % is 20.02. PT Radana Bhaskara Finance Tbk's value of 5.09% is 74.6% below this industry median. Based on the distribution chart, PT Radana Bhaskara Finance Tbk ranks #487 out of 533 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PT Radana Bhaskara Finance Tbk has a GF Score™ of 52/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Radana Bhaskara Finance Tbk's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #487 out of 533 companies for Pretax Margin %. This places PT Radana Bhaskara Finance Tbk in the lower half of its industry. The industry median Pretax Margin % is 20.02. PT Radana Bhaskara Finance Tbk's value of 5.09% is 74.6% below this benchmark. While the company's 10-year median is 1.94 vs. the industry median of 20.02, PT Radana Bhaskara 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Radana Bhaskara Finance Tbk's current Pretax Margin % of 5.09% is 74.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PT Radana Bhaskara Finance Tbk and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Radana Bhaskara Finance Tbk's current Pretax Margin % is 5.09%, which is 162% above median its own 10-year median of 1.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Radana Bhaskara Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk (ISX:HDFA) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp122.30, compared to a current price of Rp85.00 — trading 30.5% below its estimated fair value. The current Pretax Margin % is 5.09%, which is 162% above median its 10-year median of 1.94 and 74.6% below the Credit Services industry median of 20.02. PT Radana Bhaskara Finance Tbk's overall GF Score™ is 52/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For PT Radana Bhaskara Finance Tbk (ISX:HDFA), the current Pretax Margin % is 5.09% as of Mar. 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 Radana Bhaskara Finance Tbk (ISX:HDFA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk stock appears to be undervalued.
The current stock price of Rp85.00 is trading 30.5% below its estimated GF Value™ of Rp122.30.
GuruFocus considers PT Radana Bhaskara Finance Tbk to be Significantly Undervalued.
Key valuation signals for ISX:HDFA:
Pretax Margin %: 5.09% (162% above median its 10-year median of 1.94)
GF Value™: Rp122.30 vs. price of Rp85.00 (30.5% below fair value)
Industry Position: 74.6% below the Credit Services median (#487 of 533)
No single metric tells the full story. See the ISX:HDFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Radana Bhaskara Finance Tbk Business Description
AddressJl. TB Simatupang, No. 2 Rt. 001/Rw. 005, CIBIS Nine Building 11th Floor Suite W-16, Kel. Cilandak Timur, Kec. Pasar Minggu, Jakarta, IDN, 12560
PT Radana Bhaskara Finance Tbk is engaged in the field of financing institutions, which includes Investment Financing, Working Capital Financing and Multipurpose Financing, as well as other Financing business activities. The Sharia business activities include: Sale and Purchase Financing, Investment Financing, and Service Financing. Its segments include Factoring, ABF, and Legacy. It derives majority of revenue from factoring segment.
52GF Score
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