PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 ROC (Joel Greenblatt) % is 8.70% as of Mar. 2026, which is 20% below its 10-year median of 10.83. 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 414 Credit Services companies, PT BFI Finance Indonesia Tbk ranks worse than 60.87% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. PT BFI Finance Indonesia Tbk's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 8.70%.
The historical rank and industry rank for PT BFI Finance Indonesia Tbk's ROC (Joel Greenblatt) % or its related term are showing as below:
FRA:PR2'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 7.45 Med: 10.83 Max: 14.41
Current: 9.4
During the past 13 years, PT BFI Finance Indonesia Tbk's highest ROC (Joel Greenblatt) % was 14.41%. The lowest was 7.45%. And the median was 10.83%.
FRA:PR2's ROC (Joel Greenblatt) % is ranked worse than 60.87% of 414
companies
in the Credit Services industry
Industry Median: 38.59
vs FRA:PR2: 9.40
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
* 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 BFI Finance Indonesia Tbk ROC (Joel Greenblatt) % Chart
FRA:PR2 vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's ROC (Joel Greenblatt) % falls into.
PT BFI Finance Indonesia Tbk ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT 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.
What does a ROC (Joel Greenblatt) % of 8.70% mean?
PT BFI Finance Indonesia Tbk (FRA:PR2) has a ROC (Joel Greenblatt) % of 8.70% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 20% below median its historical median of 10.83. Over the past decade, PT BFI Finance Indonesia Tbk's ROC (Joel Greenblatt) % has ranged from 7.45 to 14.41. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #252 out of 414 companies in the Credit Services industry, placing it in the top 60.9%.
Is PT BFI Finance Indonesia Tbk's ROC (Joel Greenblatt) % too high?
PT BFI Finance Indonesia Tbk's current ROC (Joel Greenblatt) % of 8.70% is 20% below median its 10-year median of 10.83. Over the past 10 years, this metric has ranged from a low of 7.45 to a high of 14.41. The Credit Services industry median ROC (Joel Greenblatt) % is 38.59. PT BFI Finance Indonesia Tbk's value of 8.70% is 77.5% below this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #252 out of 414 companies in the Credit Services industry, which is below the industry midpoint. 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #252 out of 414 companies for ROC (Joel Greenblatt) %. This places PT BFI Finance Indonesia Tbk in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.59. PT BFI Finance Indonesia Tbk's value of 8.70% is 77.5% below this benchmark. Historically, PT BFI Finance Indonesia Tbk's own ROC (Joel Greenblatt) % has ranged from 7.45 to 14.41 over the past decade. While the company's 10-year median is 10.83 vs. the industry median of 38.59, PT BFI 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.59, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current ROC (Joel Greenblatt) % of 8.70% is 77.5% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current ROC (Joel Greenblatt) % is 8.70%, which is 20% below median its own 10-year median of 10.83. 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 26.8% below its estimated fair value. The current ROC (Joel Greenblatt) % is 8.70%, which is 20% below median its 10-year median of 10.83 and 77.5% below the Credit Services industry median of 38.59. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current ROC (Joel Greenblatt) % is 8.70% 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 26.8% 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:
ROC (Joel Greenblatt) %: 8.70% (20% below median its 10-year median of 10.83)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 77.5% below the Credit Services median (#252 of 414)
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
Get the complete analysis for FRA:PR2
ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:PR2 has been successfully added to your 
