ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PT Radana Bhaskara Finance Tbk's annualizedNet Income for the quarter that ended in Mar. 2026 was Rp7,181 Mil.
PT Radana Bhaskara Finance Tbk's average Total Assets over the quarter that ended in Mar. 2026 was Rp3,269,924 Mil. Therefore, PT Radana Bhaskara Finance Tbk's annualized ROA % for the quarter that ended in Mar. 2026 was 0.22%.
The historical rank and industry rank for PT Radana Bhaskara Finance Tbk's ROA % or its related term are showing as below:
ISX:HDFA'
s ROA % Range Over the Past 10 Years
Min: -11.57 Med: -2.01 Max: 3.46
Current: -2.43
During the past 10 years, PT Radana Bhaskara Finance Tbk's highest ROA % was 3.46%. The lowest was -11.57%. And the median was -2.01%.
ISX:HDFA's ROA % is ranked worse than 82.02% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs ISX:HDFA: -2.43
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 Radana Bhaskara Finance Tbk ROA % Related Terms
PT Radana Bhaskara Finance 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 Radana Bhaskara Finance 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 Radana Bhaskara Finance Tbk ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Radana Bhaskara Finance Tbk's ROA % distribution charts can be found below:
* The bar in red indicates where PT Radana Bhaskara Finance 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 Radana Bhaskara Finance Tbk (ISX:HDFA) has a ROA % of 0.22% 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 Radana Bhaskara Finance Tbk and its competitors. According to the industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #447 out of 545 companies in the Credit Services industry, placing it in the top 82%.
Is PT Radana Bhaskara Finance Tbk's ROA % too high?
PT Radana Bhaskara Finance Tbk's current ROA % is 0.22%. The Credit Services industry median ROA % is 1.92. PT Radana Bhaskara Finance Tbk's value of 0.22% is 88.5% below this industry median. Based on the distribution chart, PT Radana Bhaskara Finance Tbk ranks #447 out of 545 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 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Radana Bhaskara Finance Tbk's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, PT Radana Bhaskara Finance Tbk ranks #447 out of 545 companies for ROA %. This places PT Radana Bhaskara Finance Tbk in the lower half of its industry. The industry median ROA % is 1.92. PT Radana Bhaskara Finance Tbk's value of 0.22% is 88.5% 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 545 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 Radana Bhaskara Finance Tbk's current ROA % of 0.22% is 88.5% 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 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 Radana Bhaskara Finance Tbk and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Radana Bhaskara Finance Tbk's current ROA % is 0.22%. 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 Modestly Undervalued. The stock's GF Value™ is Rp122.20, compared to a current price of Rp89.00 — trading 27.2% below its estimated fair value. The current ROA % is 0.22% and 88.5% below the Credit Services industry median of 1.92. PT Radana Bhaskara Finance Tbk's overall GF Score™ is 54/100 with 4 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 Radana Bhaskara Finance Tbk (ISX:HDFA), the current ROA % is 0.22% 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 27.2% below its estimated GF Value™ of Rp122.20.
GuruFocus considers PT Radana Bhaskara Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:HDFA:
ROA %: 0.22%
GF Value™: Rp122.20 vs. price of Rp89.00 (27.2% below fair value)
Industry Position: 88.5% below the Credit Services median (#447 of 545)
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.
54GF Score
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