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PT KDB Tifa Finance TbkISX:TIFA +6.88%60 Return-on-Tangible-Asset is 4.00% as of Jun. 2026, which is 75% above its 10-year median of 2.28. GuruFocus rates ISX:TIFA with a GF Score™ of 60/100 and a GF Value™ of Rp535.95 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 548 Credit Services companies, PT KDB Tifa Finance Tbk ranks better than 67.34% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. PT KDB Tifa Finance Tbk's annualizedNet Income for the quarter that ended in Jun. 2026 was Rp75,835 Mil. PT KDB Tifa Finance Tbk's average total tangible assets for the quarter that ended in Jun. 2026 was Rp1,895,146 Mil. Therefore, PT KDB Tifa Finance Tbk's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 4.00%.
The historical rank and industry rank for PT KDB Tifa Finance Tbk's Return-on-Tangible-Asset or its related term are showing as below:
ISX:TIFA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.28 Med: 2.28 Max: 3.8
Current: 3.38
During the past 11 years, PT KDB Tifa Finance Tbk's highest Return-on-Tangible-Asset was 3.80%. The lowest was 1.28%. And the median was 2.28%.
ISX:TIFA's Return-on-Tangible-Asset is ranked better than 67.34% of 548
companies
in the Credit Services industry
Industry Median: 1.94
vs ISX:TIFA: 3.38
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
PT KDB Tifa Finance Tbk Return-on-Tangible-Asset Related Terms
PT KDB Tifa Finance Tbk Return-on-Tangible-Asset Historical Data
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The historical data trend for PT KDB Tifa Finance Tbk's Return-on-Tangible-Asset can be seen below:
* 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:TIFA vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, PT KDB Tifa Finance Tbk's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT KDB Tifa Finance Tbk's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PT KDB Tifa Finance Tbk's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 4.00% mean?
PT KDB Tifa Finance Tbk (ISX:TIFA) has a Return-on-Tangible-Asset of 4.00% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PT KDB Tifa Finance Tbk and its competitors. This is 75% above median its historical median of 2.28. Over the past decade, PT KDB Tifa Finance Tbk's Return-on-Tangible-Asset has ranged from 1.28 to 3.80. According to the industry distribution chart, PT KDB Tifa Finance Tbk ranks #179 out of 548 companies in the Credit Services industry, placing it in the top 32.7%.
Is PT KDB Tifa Finance Tbk's Return-on-Tangible-Asset too high?
PT KDB Tifa Finance Tbk's current Return-on-Tangible-Asset of 4.00% is 75% above median its 10-year median of 2.28. Over the past 10 years, this metric has ranged from a low of 1.28 to a high of 3.80. The Credit Services industry median Return-on-Tangible-Asset is 1.94. PT KDB Tifa Finance Tbk's value of 4.00% is 106.2% above this industry median. Based on the distribution chart, PT KDB Tifa Finance Tbk ranks #179 out of 548 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT KDB Tifa Finance Tbk has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT KDB Tifa Finance Tbk's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, PT KDB Tifa Finance Tbk ranks #179 out of 548 companies for Return-on-Tangible-Asset. This puts PT KDB Tifa Finance Tbk in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.94. PT KDB Tifa Finance Tbk's value of 4.00% is 106.2% above this benchmark. Historically, PT KDB Tifa Finance Tbk's own Return-on-Tangible-Asset has ranged from 1.28 to 3.80 over the past decade. While the company's 10-year median is 2.28 vs. the industry median of 1.94, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.94, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT KDB Tifa Finance Tbk's current Return-on-Tangible-Asset of 4.00% is 106.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PT KDB Tifa Finance Tbk and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT KDB Tifa Finance Tbk's current Return-on-Tangible-Asset is 4.00%, which is 75% above median its own 10-year median of 2.28. 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 Rp535.95, compared to a current price of Rp360.00 — trading 32.8% below its estimated fair value. The current Return-on-Tangible-Asset is 4.00%, which is 75% above median its 10-year median of 2.28 and 106.2% above the Credit Services industry median of 1.94. PT KDB Tifa Finance Tbk's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For PT KDB Tifa Finance Tbk (ISX:TIFA), the current Return-on-Tangible-Asset is 4.00% as of Jun. 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 Rp360.00 is trading 32.8% below its estimated GF Value™ of Rp535.95.
GuruFocus considers PT KDB Tifa Finance Tbk to be Significantly Undervalued.
Key valuation signals for ISX:TIFA:
Return-on-Tangible-Asset: 4.00% (75% above median its 10-year median of 2.28)
GF Value™: Rp535.95 vs. price of Rp360.00 (32.8% below fair value)
Industry Position: 106.2% above the Credit Services median (#179 of 548)
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.
60GF Score
Get the complete analysis for ISX:TIFA
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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