PT BFI Finance Indonesia TbkFRA:PR2 +1.02%85 ROA % is 5.59% as of Mar. 2026, which is 19% below its 10-year median of 6.88. 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 546 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 85.35% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PT BFI Finance Indonesia Tbk's annualizedNet Income for the quarter that ended in Mar. 2026 was €72.4 Mil.
PT BFI Finance Indonesia Tbk's average Total Assets over the quarter that ended in Mar. 2026 was €1,296.4 Mil. Therefore, PT BFI Finance Indonesia Tbk's annualized ROA % for the quarter that ended in Mar. 2026 was 5.59%.
The historical rank and industry rank for PT BFI Finance Indonesia Tbk's ROA % or its related term are showing as below:
FRA:PR2'
s ROA % Range Over the Past 10 Years
Min: 3.73 Med: 6.88 Max: 9.62
Current: 6.02
During the past 13 years, PT BFI Finance Indonesia Tbk's highest ROA % was 9.62%. The lowest was 3.73%. And the median was 6.88%.
FRA:PR2's ROA % is ranked better than 85.35% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs FRA:PR2: 6.02
PT BFI Finance Indonesia Tbk (FRA:PR2) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
PT BFI Finance Indonesia Tbk ROA % Related Terms
PT BFI Finance Indonesia Tbk ROA % 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.
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's ROA % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
PT BFI Finance Indonesia Tbk (FRA:PR2) has a ROA % of 5.59% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 19% below median its historical median of 6.88. Over the past decade, PT BFI Finance Indonesia Tbk's ROA % has ranged from 3.73 to 9.62. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #80 out of 546 companies in the Credit Services industry, placing it in the top 14.7%.
Is PT BFI Finance Indonesia Tbk's ROA % too high?
PT BFI Finance Indonesia Tbk's current ROA % of 5.59% is 19% below median its 10-year median of 6.88. Over the past 10 years, this metric has ranged from a low of 3.73 to a high of 9.62. The Credit Services industry median ROA % is 1.93. PT BFI Finance Indonesia Tbk's value of 5.59% is 189.6% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #80 out of 546 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 ROA % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #80 out of 546 companies for ROA %. This places PT BFI Finance Indonesia Tbk in the top 15% of its industry — outperforming the majority of peers. The industry median ROA % is 1.93. PT BFI Finance Indonesia Tbk's value of 5.59% is 189.6% above this benchmark. Historically, PT BFI Finance Indonesia Tbk's own ROA % has ranged from 3.73 to 9.62 over the past decade. While the company's 10-year median is 6.88 vs. the industry median of 1.93, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current ROA % of 5.59% is 189.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current ROA % is 5.59%, which is 19% below median its own 10-year median of 6.88. 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% below its estimated fair value. The current ROA % is 5.59%, which is 19% below median its 10-year median of 6.88 and 189.6% above the Credit Services industry median of 1.93. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current ROA % is 5.59% 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% 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:
ROA %: 5.59% (19% below median its 10-year median of 6.88)
GF Value™: €0.04 vs. price of €0.03 (26% below fair value)
Industry Position: 189.6% above the Credit Services median (#80 of 546)
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
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