Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
PT Woori Finance Indonesia TbkISX:BPFI +1.63%61 Return-on-Tangible-Equity is 11.19% as of Mar. 2026, which is 51% above its 10-year median of 7.43. GuruFocus rates ISX:BPFI with a GF Score™ of 61/100 and a GF Value™ of Rp426.22 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 526 Credit Services companies, PT Woori Finance Indonesia Tbk ranks better than 50.76% 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 Woori Finance Indonesia Tbk's annualized net income for the quarter that ended in Mar. 2026 was Rp132,372 Mil. PT Woori Finance Indonesia Tbk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was Rp1,182,743 Mil. Therefore, PT Woori Finance Indonesia Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.19%.
The historical rank and industry rank for PT Woori Finance Indonesia Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:BPFI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.92 Med: 7.43 Max: 9.76
Current: 7.14
During the past 13 years, PT Woori Finance Indonesia Tbk's highest Return-on-Tangible-Equity was 9.76%. The lowest was 4.92%. And the median was 7.43%.
ISX:BPFI's Return-on-Tangible-Equity is ranked better than 50.76% of 526
companies
in the Credit Services industry
Industry Median: 6.975
vs ISX:BPFI: 7.14
PT Woori Finance Indonesia Tbk (ISX:BPFI) 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 Woori Finance Indonesia Tbk Return-on-Tangible-Equity Related Terms
PT Woori 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 Woori Finance Indonesia Tbk Return-on-Tangible-Equity Chart
ISX:BPFI vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, PT Woori 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 Woori Finance Indonesia Tbk Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Woori Finance Indonesia Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Woori 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 11.19% mean?
PT Woori Finance Indonesia Tbk (ISX:BPFI) has a Return-on-Tangible-Equity of 11.19% 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 Woori Finance Indonesia Tbk and its competitors. This is 51% above median its historical median of 7.43. Over the past decade, PT Woori Finance Indonesia Tbk's Return-on-Tangible-Equity has ranged from 4.92 to 9.76. According to the industry distribution chart, PT Woori Finance Indonesia Tbk ranks #259 out of 526 companies in the Credit Services industry, placing it in the top 49.2%.
Is PT Woori Finance Indonesia Tbk's Return-on-Tangible-Equity too high?
PT Woori Finance Indonesia Tbk's current Return-on-Tangible-Equity of 11.19% is 51% above median its 10-year median of 7.43. Over the past 10 years, this metric has ranged from a low of 4.92 to a high of 9.76. The Credit Services industry median Return-on-Tangible-Equity is 6.98. PT Woori Finance Indonesia Tbk's value of 11.19% is 60.4% above this industry median. Based on the distribution chart, PT Woori Finance Indonesia Tbk ranks #259 out of 526 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT Woori Finance Indonesia Tbk has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Woori Finance Indonesia Tbk's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, PT Woori Finance Indonesia Tbk ranks #259 out of 526 companies for Return-on-Tangible-Equity. This puts PT Woori Finance Indonesia Tbk in the upper half of its industry. The industry median Return-on-Tangible-Equity is 6.98. PT Woori Finance Indonesia Tbk's value of 11.19% is 60.4% above this benchmark. Historically, PT Woori Finance Indonesia Tbk's own Return-on-Tangible-Equity has ranged from 4.92 to 9.76 over the past decade. While the company's 10-year median is 7.43 vs. the industry median of 6.98, PT Woori 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 6.98, based on 526 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 Woori Finance Indonesia Tbk's current Return-on-Tangible-Equity of 11.19% is 60.4% 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 Woori Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 6.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Woori Finance Indonesia Tbk's current Return-on-Tangible-Equity is 11.19%, which is 51% above median its own 10-year median of 7.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Woori Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk (ISX:BPFI) is currently considered Possible Value Trap. The stock's GF Value™ is Rp426.22, compared to a current price of Rp250.00 — trading 41.3% below its estimated fair value. The current Return-on-Tangible-Equity is 11.19%, which is 51% above median its 10-year median of 7.43 and 60.4% above the Credit Services industry median of 6.98. PT Woori Finance Indonesia Tbk's overall GF Score™ is 61/100 with 7 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 Woori Finance Indonesia Tbk (ISX:BPFI), the current Return-on-Tangible-Equity is 11.19% 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 Woori Finance Indonesia Tbk (ISX:BPFI) Overvalued in 2026?
Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp250.00 is trading 41.3% below its estimated GF Value™ of Rp426.22.
GuruFocus considers PT Woori Finance Indonesia Tbk to be Possible Value Trap.
Key valuation signals for ISX:BPFI:
Return-on-Tangible-Equity: 11.19% (51% above median its 10-year median of 7.43)
GF Value™: Rp426.22 vs. price of Rp250.00 (41.3% below fair value)
Industry Position: 60.4% above the Credit Services median (#259 of 526)
No single metric tells the full story. See the ISX:BPFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Woori Finance Indonesia Tbk Business Description
PT Woori Finance Indonesia Tbk is a multi-finance company. The firm engages in the provision of consumer financing, financial leasing, and factoring services. It operates through the following segments: Finance Lease, Consumer Financing, and Factoring. It offers financing for used passenger and commercial automobiles. The majority of the firm's revenue comes from the Consumer Financing segment.
61GF Score
Get the complete analysis for ISX:BPFI
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:BPFI has been successfully added to your 
