PT KDB Tifa Finance TbkISX:TIFA +0.88%61 Quick Ratio is 5.11 as of Mar. 2026, which is 74% above its 10-year median of 2.94. GuruFocus rates ISX:TIFA with a GF Score™ of 61/100 and a GF Value™ of Rp528.42 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 393 Credit Services companies, PT KDB Tifa Finance Tbk ranks better than 51.4% on this metric.
PT KDB Tifa Finance Tbk has a quick ratio of 5.11. It generally indicates good short-term financial strength.
The historical rank and industry rank for PT KDB Tifa Finance Tbk's Quick Ratio or its related term are showing as below:
ISX:TIFA'
s Quick Ratio Range Over the Past 10 Years
Min: 1.03 Med: 2.94 Max: 21.38
Current: 5.11
During the past 9 years, PT KDB Tifa Finance Tbk's highest Quick Ratio was 21.38. The lowest was 1.03. And the median was 2.94.
ISX:TIFA's Quick Ratio is ranked better than 51.4% of 393
companies
in the Credit Services industry
Industry Median: 4.44
vs ISX:TIFA: 5.11
PT KDB Tifa Finance Tbk (ISX:TIFA) 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 KDB Tifa Finance Tbk Quick Ratio Related Terms
PT KDB Tifa Finance 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 KDB Tifa Finance 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 KDB Tifa Finance Tbk Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT KDB Tifa Finance Tbk's Quick Ratio distribution charts can be found below:
* The bar in red indicates where PT KDB Tifa Finance Tbk's Quick Ratio falls into.
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.
PT KDB Tifa Finance Tbk's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 KDB Tifa Finance Tbk (ISX:TIFA) has a Quick Ratio of 5.11 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on PT KDB Tifa Finance Tbk and its competitors. This is 74% above median its historical median of 2.94. Over the past decade, PT KDB Tifa Finance Tbk's Quick Ratio has ranged from 1.03 to 21.38. According to the industry distribution chart, PT KDB Tifa Finance Tbk ranks #191 out of 393 companies in the Credit Services industry, placing it in the top 48.6%.
Is PT KDB Tifa Finance Tbk's Quick Ratio too high?
PT KDB Tifa Finance Tbk's current Quick Ratio of 5.11 is 74% above median its 10-year median of 2.94. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 21.38. The Credit Services industry median Quick Ratio is 4.44. PT KDB Tifa Finance Tbk's value of 5.11 is 15.1% above this industry median. Based on the distribution chart, PT KDB Tifa Finance Tbk ranks #191 out of 393 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT KDB Tifa Finance Tbk has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT KDB Tifa Finance Tbk's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT KDB Tifa Finance Tbk ranks #191 out of 393 companies for Quick Ratio. This puts PT KDB Tifa Finance Tbk in the upper half of its industry. The industry median Quick Ratio is 4.44. PT KDB Tifa Finance Tbk's value of 5.11 is 15.1% above this benchmark. Historically, PT KDB Tifa Finance Tbk's own Quick Ratio has ranged from 1.03 to 21.38 over the past decade. While the company's 10-year median is 2.94 vs. the industry median of 4.44, PT KDB Tifa Finance Tbk has consistently been above 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 4.44, based on 393 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 KDB Tifa Finance Tbk's current Quick Ratio of 5.11 is 15.1% 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 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 KDB Tifa Finance Tbk and its competitors. For the Credit Services industry, the median Quick Ratio is 4.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT KDB Tifa Finance Tbk's current Quick Ratio is 5.11, which is 74% above median its own 10-year median of 2.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT KDB Tifa Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk (ISX:TIFA) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp528.42, compared to a current price of Rp228.00 — trading 56.9% below its estimated fair value. The current Quick Ratio is 5.11, which is 74% above median its 10-year median of 2.94 and 15.1% above the Credit Services industry median of 4.44. PT KDB Tifa Finance Tbk's overall GF Score™ is 61/100 with 6 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 KDB Tifa Finance Tbk (ISX:TIFA), the current Quick Ratio is 5.11 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 KDB Tifa Finance Tbk (ISX:TIFA) Overvalued in 2026?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk stock appears to be undervalued.
The current stock price of Rp228.00 is trading 56.9% below its estimated GF Value™ of Rp528.42.
GuruFocus considers PT KDB Tifa Finance Tbk to be Significantly Undervalued.
Key valuation signals for ISX:TIFA:
Quick Ratio: 5.11 (74% above median its 10-year median of 2.94)
GF Value™: Rp528.42 vs. price of Rp228.00 (56.9% below fair value)
Industry Position: 15.1% above the Credit Services median (#191 of 393)
No single metric tells the full story. See the ISX:TIFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT KDB Tifa Finance Tbk is a financial service company. Its activities comprise investment financing, sharia financing, working capital financing, multipurpose financing, other financing business activities based on approval of OJK, operating lease, and/or fee-based activities to the extent not inconsistent with legislation. The Company has four segments, including finance lease, multipurpose financing, sharia financing, and treasury. It generates maximum revenue from the Finance Lease segment.
61GF Score
Get the complete analysis for ISX:TIFA
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