PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 Quick Ratio is 2.59 as of Mar. 2026, which is 86% below its 10-year median of 19.00. 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 394 Credit Services companies, PT BFI Finance Indonesia Tbk ranks worse than 58.88% on this metric.
PT BFI Finance Indonesia Tbk has a quick ratio of 2.59. It generally indicates good short-term financial strength.
The historical rank and industry rank for PT BFI Finance Indonesia Tbk's Quick Ratio or its related term are showing as below:
FRA:PR2'
s Quick Ratio Range Over the Past 10 Years
Min: 2.31 Med: 19 Max: 43.74
Current: 2.59
During the past 13 years, PT BFI Finance Indonesia Tbk's highest Quick Ratio was 43.74. The lowest was 2.31. And the median was 19.00.
FRA:PR2's Quick Ratio is ranked worse than 58.88% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs FRA:PR2: 2.59
PT BFI Finance Indonesia Tbk (FRA:PR2) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
PT BFI Finance Indonesia Tbk Quick Ratio Related Terms
PT BFI Finance Indonesia Tbk Quick 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 BFI Finance Indonesia Tbk's Quick Ratio, along with its competitors' market caps and Quick 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 BFI Finance Indonesia Tbk Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's Quick Ratio distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's Quick Ratio falls into.
PT BFI Finance Indonesia Tbk Quick Ratio Calculation
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
* 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 BFI Finance Indonesia Tbk (FRA:PR2) has a Quick Ratio of 2.59 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 86% below median its historical median of 19.00. Over the past decade, PT BFI Finance Indonesia Tbk's Quick Ratio has ranged from 2.31 to 43.74. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #232 out of 394 companies in the Credit Services industry, placing it in the top 58.9%.
Is PT BFI Finance Indonesia Tbk's Quick Ratio too high?
PT BFI Finance Indonesia Tbk's current Quick Ratio of 2.59 is 86% below median its 10-year median of 19.00. Over the past 10 years, this metric has ranged from a low of 2.31 to a high of 43.74. The Credit Services industry median Quick Ratio is 4.93. PT BFI Finance Indonesia Tbk's value of 2.59 is 47.5% below this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #232 out of 394 companies in the Credit Services industry, which is below the industry midpoint. 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #232 out of 394 companies for Quick Ratio. This places PT BFI Finance Indonesia Tbk in the lower half of its industry. The industry median Quick Ratio is 4.93. PT BFI Finance Indonesia Tbk's value of 2.59 is 47.5% below this benchmark. Historically, PT BFI Finance Indonesia Tbk's own Quick Ratio has ranged from 2.31 to 43.74 over the past decade. While the company's 10-year median is 19.00 vs. the industry median of 4.93, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current Quick Ratio of 2.59 is 47.5% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current Quick Ratio is 2.59, which is 86% below median its own 10-year median of 19.00. 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 Quick Ratio is 2.59, which is 86% below median its 10-year median of 19.00 and 47.5% below the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current Quick Ratio is 2.59 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 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:
Quick Ratio: 2.59 (86% below median its 10-year median of 19.00)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 47.5% below the Credit Services median (#232 of 394)
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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