PT Clipan Finance Indonesia Tbk (ISX:CFIN) Growth Rank: 2 (As of Sep. 08, 2026) — 78% Below Median

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ISX:CFIN PT Clipan Finance Indonesia Tbk ISX:CFIN
71 GF Score
Price Rp374.00
GF Value Rp330.33
Valuation Modestly Overvalued
! 4 Warning Signs
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What is PT Clipan Finance Indonesia Tbk Growth Rank?

PT Clipan Finance Indonesia Tbk ISX:CFIN +1.63% 71 Growth Rank is 2 as of Sep. 08, 2026, which is 78% below its 10-year median of 9.00. GuruFocus rates ISX:CFIN with a GF Score™ of 71/100 and a GF Value™ of Rp330.33 (Modestly Overvalued). The stock has 4 warning signs investors should review.

PT Clipan Finance Indonesia Tbk has the Growth Rank of 2.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

PT Clipan Finance Indonesia Tbk Growth Rank Related Terms

ISX:CFIN vs V, MA, AXP: Growth Rank Comparison

For the Credit Services subindustry, PT Clipan Finance Indonesia Tbk's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's Growth Rank distribution charts can be found below:

* The bar in red indicates where PT Clipan Finance Indonesia Tbk's Growth Rank falls into.


ISX:CFIN
71GF Score
PT Clipan Finance Indonesia Tbk ISX:CFIN
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 2 mean?
PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a Growth Rank of 2 as of Sep. 08, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. This is 78% below median its historical median of 9.00. Over the past decade, PT Clipan Finance Indonesia Tbk's Growth Rank has ranged from 2.00 to 10.00.
Is PT Clipan Finance Indonesia Tbk's Growth Rank too high?
PT Clipan Finance Indonesia Tbk's current Growth Rank of 2 is 78% below median its 10-year median of 9.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 10.00. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's Growth Rank compare to V and MA?
PT Clipan Finance Indonesia Tbk's Growth Rank of 2 can be compared against companies in the Credit Services industry. Historically, PT Clipan Finance Indonesia Tbk's own Growth Rank has ranged from 2.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Credit Services company?
A good Growth Rank depends on the Credit Services industry context. However, Growth Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. PT Clipan Finance Indonesia Tbk's current Growth Rank is 2, which is 78% below median its own 10-year median of 9.00. 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 Modestly Overvalued. The stock's GF Value™ is Rp330.33, compared to a current price of Rp374.00 — trading 13.2% above its estimated fair value. The current Growth Rank is 2, which is 78% below median its 10-year median of 9.00. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current Growth Rank is 2 as of Sep. 08, 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 overvalued. The current stock price of Rp374.00 is trading 13.2% above its estimated GF Value™ of Rp330.33. GuruFocus considers PT Clipan Finance Indonesia Tbk to be Modestly Overvalued.

Key valuation signals for ISX:CFIN:

  • Growth Rank: 2 (78% below median its 10-year median of 9.00)
  • GF Value™: Rp330.33 vs. price of Rp374.00 (13.2% above fair value)
  • GF Score™: 71/100 with 4 warning signs

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

Address Jalan Letjen. S. Parman Kav. 12, Wisma Slip, 6th Floor, Jakarta, IDN, 11480
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.
71GF Score

Get the complete analysis for ISX:CFIN

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp374.00
Price
Rp330.33
GF Value