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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 Radana Bhaskara Finance Tbk's annualized net income for the quarter that ended in Mar. 2026 was Rp7,181 Mil. PT Radana Bhaskara Finance Tbk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was Rp491,939 Mil. Therefore, PT Radana Bhaskara Finance Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 1.46%.
The historical rank and industry rank for PT Radana Bhaskara Finance Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:HDFA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -75.88 Med: -8.09 Max: 6.49
Current: -15.43
During the past 10 years, PT Radana Bhaskara Finance Tbk's highest Return-on-Tangible-Equity was 6.49%. The lowest was -75.88%. And the median was -8.09%.
ISX:HDFA's Return-on-Tangible-Equity is ranked worse than 90.29% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs ISX:HDFA: -15.43
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 Radana Bhaskara Finance Tbk Return-on-Tangible-Equity Related Terms
PT Radana Bhaskara Finance 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.
ISX:HDFA vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, PT Radana Bhaskara Finance 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 Radana Bhaskara Finance Tbk Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Radana Bhaskara Finance Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Radana Bhaskara Finance 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 1.46% mean?
PT Radana Bhaskara Finance Tbk (ISX:HDFA) has a Return-on-Tangible-Equity of 1.46% 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 Radana Bhaskara Finance Tbk and its competitors. According to the industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #474 out of 525 companies in the Credit Services industry, placing it in the top 90.3%.
Is PT Radana Bhaskara Finance Tbk's Return-on-Tangible-Equity too high?
PT Radana Bhaskara Finance Tbk's current Return-on-Tangible-Equity is 1.46%. The Credit Services industry median Return-on-Tangible-Equity is 7.01. PT Radana Bhaskara Finance Tbk's value of 1.46% is 79.2% below this industry median. Based on the distribution chart, PT Radana Bhaskara Finance Tbk ranks #474 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PT Radana Bhaskara Finance Tbk has a GF Score™ of 53/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Radana Bhaskara Finance Tbk's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #474 out of 525 companies for Return-on-Tangible-Equity. This places PT Radana Bhaskara Finance Tbk in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.01. PT Radana Bhaskara Finance Tbk's value of 1.46% is 79.2% below this benchmark. 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 Radana Bhaskara Finance Tbk's current Return-on-Tangible-Equity of 1.46% is 79.2% 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 Radana Bhaskara Finance 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 Radana Bhaskara Finance Tbk's current Return-on-Tangible-Equity is 1.46%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Radana Bhaskara Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk (ISX:HDFA) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp122.49, compared to a current price of Rp89.00 — trading 27.3% below its estimated fair value. The current Return-on-Tangible-Equity is 1.46% and 79.2% below the Credit Services industry median of 7.01. PT Radana Bhaskara Finance Tbk's overall GF Score™ is 53/100 with 4 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 Radana Bhaskara Finance Tbk (ISX:HDFA), the current Return-on-Tangible-Equity is 1.46% 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 Radana Bhaskara Finance Tbk (ISX:HDFA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Radana Bhaskara Finance Tbk stock appears to be undervalued.
The current stock price of Rp89.00 is trading 27.3% below its estimated GF Value™ of Rp122.49.
GuruFocus considers PT Radana Bhaskara Finance Tbk to be Significantly Undervalued.
Key valuation signals for ISX:HDFA:
Return-on-Tangible-Equity: 1.46%
GF Value™: Rp122.49 vs. price of Rp89.00 (27.3% below fair value)
Industry Position: 79.2% below the Credit Services median (#474 of 525)
No single metric tells the full story. See the ISX:HDFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Radana Bhaskara Finance Tbk Business Description
AddressJl. TB Simatupang, No. 2 Rt. 001/Rw. 005, CIBIS Nine Building 11th Floor Suite W-16, Kel. Cilandak Timur, Kec. Pasar Minggu, Jakarta, IDN, 12560
PT Radana Bhaskara Finance Tbk is engaged in the field of financing institutions, which includes Investment Financing, Working Capital Financing and Multipurpose Financing, as well as other Financing business activities. The Sharia business activities include: Sale and Purchase Financing, Investment Financing, and Service Financing. Its segments include Factoring, ABF, and Legacy. It derives majority of revenue from factoring segment.
53GF Score
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