PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 Return-on-Tangible-Equity is 13.29% as of Mar. 2026, which is 23% below its 10-year median of 17.35. 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 525 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 75.24% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. PT BFI Finance Indonesia Tbk's annualized net income for the quarter that ended in Mar. 2026 was €72.4 Mil. PT BFI Finance Indonesia Tbk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €545.0 Mil. Therefore, PT BFI Finance Indonesia Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.29%.
The historical rank and industry rank for PT BFI Finance Indonesia Tbk's Return-on-Tangible-Equity or its related term are showing as below:
FRA:PR2'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.12 Med: 17.35 Max: 26.55
Current: 14.47
During the past 13 years, PT BFI Finance Indonesia Tbk's highest Return-on-Tangible-Equity was 26.55%. The lowest was 11.12%. And the median was 17.35%.
FRA:PR2's Return-on-Tangible-Equity is ranked better than 75.24% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs FRA:PR2: 14.47
PT BFI Finance Indonesia Tbk (FRA:PR2) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
PT BFI Finance Indonesia Tbk Return-on-Tangible-Equity Related Terms
PT BFI Finance Indonesia Tbk Return-on-Tangible-Equity 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.
PT BFI Finance Indonesia Tbk Return-on-Tangible-Equity Chart
FRA:PR2 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.29% mean?
PT BFI Finance Indonesia Tbk (FRA:PR2) has a Return-on-Tangible-Equity of 13.29% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 23% below median its historical median of 17.35. Over the past decade, PT BFI Finance Indonesia Tbk's Return-on-Tangible-Equity has ranged from 11.12 to 26.55. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #130 out of 525 companies in the Credit Services industry, placing it in the top 24.8%.
Is PT BFI Finance Indonesia Tbk's Return-on-Tangible-Equity too high?
PT BFI Finance Indonesia Tbk's current Return-on-Tangible-Equity of 13.29% is 23% below median its 10-year median of 17.35. Over the past 10 years, this metric has ranged from a low of 11.12 to a high of 26.55. The Credit Services industry median Return-on-Tangible-Equity is 7.01. PT BFI Finance Indonesia Tbk's value of 13.29% is 89.6% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #130 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #130 out of 525 companies for Return-on-Tangible-Equity. This places PT BFI Finance Indonesia Tbk in the top 25% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. PT BFI Finance Indonesia Tbk's value of 13.29% is 89.6% above this benchmark. Historically, PT BFI Finance Indonesia Tbk's own Return-on-Tangible-Equity has ranged from 11.12 to 26.55 over the past decade. While the company's 10-year median is 17.35 vs. the industry median of 7.01, PT BFI Finance Indonesia 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current Return-on-Tangible-Equity of 13.29% is 89.6% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current Return-on-Tangible-Equity is 13.29%, which is 23% below median its own 10-year median of 17.35. 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 Return-on-Tangible-Equity is 13.29%, which is 23% below median its 10-year median of 17.35 and 89.6% above the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current Return-on-Tangible-Equity is 13.29% 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:
Return-on-Tangible-Equity: 13.29% (23% below median its 10-year median of 17.35)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 89.6% above the Credit Services median (#130 of 525)
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
Get the complete analysis for FRA:PR2
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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