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 Clipan Finance Indonesia Tbk's annualized net income for the quarter that ended in Mar. 2026 was Rp237,329 Mil. PT Clipan Finance Indonesia Tbk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was Rp5,805,778 Mil. Therefore, PT Clipan Finance Indonesia Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.09%.
The historical rank and industry rank for PT Clipan Finance Indonesia Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:CFIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.97 Med: 5.81 Max: 15.37
Current: 4.12
During the past 13 years, PT Clipan Finance Indonesia Tbk's highest Return-on-Tangible-Equity was 15.37%. The lowest was 0.97%. And the median was 5.81%.
ISX:CFIN's Return-on-Tangible-Equity is ranked worse than 59.05% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs ISX:CFIN: 4.12
PT Clipan Finance Indonesia Tbk (ISX:CFIN) 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 Clipan Finance Indonesia Tbk Return-on-Tangible-Equity Related Terms
PT Clipan 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 Clipan Finance Indonesia Tbk Return-on-Tangible-Equity Chart
ISX:CFIN vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, PT Clipan 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 Clipan Finance Indonesia Tbk Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Clipan 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 4.09% mean?
PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a Return-on-Tangible-Equity of 4.09% 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 Clipan Finance Indonesia Tbk and its competitors. This is 30% below median its historical median of 5.81. Over the past decade, PT Clipan Finance Indonesia Tbk's Return-on-Tangible-Equity has ranged from 0.97 to 15.37. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #310 out of 525 companies in the Credit Services industry, placing it in the top 59%.
Is PT Clipan Finance Indonesia Tbk's Return-on-Tangible-Equity too high?
PT Clipan Finance Indonesia Tbk's current Return-on-Tangible-Equity of 4.09% is 30% below median its 10-year median of 5.81. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 15.37. The Credit Services industry median Return-on-Tangible-Equity is 7.01. PT Clipan Finance Indonesia Tbk's value of 4.09% is 41.7% below this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #310 out of 525 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #310 out of 525 companies for Return-on-Tangible-Equity. This places PT Clipan Finance Indonesia Tbk in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.01. PT Clipan Finance Indonesia Tbk's value of 4.09% is 41.7% below this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own Return-on-Tangible-Equity has ranged from 0.97 to 15.37 over the past decade. While the company's 10-year median is 5.81 vs. the industry median of 7.01, PT Clipan Finance Indonesia Tbk has consistently been below 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 Clipan Finance Indonesia Tbk's current Return-on-Tangible-Equity of 4.09% is 41.7% below 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 Clipan 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 Clipan Finance Indonesia Tbk's current Return-on-Tangible-Equity is 4.09%, which is 30% below median its own 10-year median of 5.81. 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 Fairly Valued. The stock's GF Value™ is Rp347.58, compared to a current price of Rp332.00 — trading 4.5% below its estimated fair value. The current Return-on-Tangible-Equity is 4.09%, which is 30% below median its 10-year median of 5.81 and 41.7% below the Credit Services industry median of 7.01. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 73/100 with 3 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 Clipan Finance Indonesia Tbk (ISX:CFIN), the current Return-on-Tangible-Equity is 4.09% 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 Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp332.00 is trading 4.5% below its estimated GF Value™ of Rp347.58.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:CFIN:
Return-on-Tangible-Equity: 4.09% (30% below median its 10-year median of 5.81)
GF Value™: Rp347.58 vs. price of Rp332.00 (4.5% below fair value)
Industry Position: 41.7% below the Credit Services median (#310 of 525)
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
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.
73GF Score
Get the complete analysis for ISX:CFIN
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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