PT Woori Finance Indonesia Tbk (ISX:BPFI) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ISX:BPFI PT Woori Finance Indonesia Tbk ISX:BPFI
59 GF Score
Price Rp256.00
GF Value Rp440.67
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is PT Woori Finance Indonesia Tbk Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of PT Woori Finance Indonesia Tbk is: High Risk: High uncertainty.

PT Woori Finance Indonesia Tbk  (ISX:BPFI) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

PT Woori Finance Indonesia Tbk Risk Assessment Related Terms

ISX:BPFI vs V, MA, AXP: Risk Assessment Comparison

For the Credit Services subindustry, PT Woori Finance Indonesia Tbk's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PT Woori Finance Indonesia Tbk's Risk Assessment distribution charts can be found below:

* The bar in red indicates where PT Woori Finance Indonesia Tbk's Risk Assessment falls into.


ISX:BPFI
59GF Score
PT Woori Finance Indonesia Tbk ISX:BPFI
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 Rp256.00 is trading 41.9% below its estimated GF Value™ of Rp440.67. GuruFocus considers PT Woori Finance Indonesia Tbk to be Possible Value Trap.

Key valuation signals for ISX:BPFI:

  • Risk Assessment:
  • GF Value™: Rp440.67 vs. price of Rp256.00 (41.9% below fair value)
  • GF Score™: 59/100 with 6 warning signs

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

Address Jl. Jend. Sudirman Kav. 21, Gedung Chase Plaza 16th Floor, Jakarta, IDN, 12920
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.
59GF Score

Get the complete analysis for ISX:BPFI

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp256.00
Price
Rp440.67
GF Value