PT Woori Finance Indonesia Tbk (ISX:BPFI) ROE % Adjusted to Book Value: 18.65% (As of Mar. 2026)

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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
62 GF Score
Price Rp246.00
GF Value Rp425.27
Valuation Possible Value Trap
! 6 Warning Signs
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What is PT Woori Finance Indonesia Tbk ROE % Adjusted to Book Value?

PT Woori Finance Indonesia Tbk ISX:BPFI 62 ROE % Adjusted to Book Value is 18.65% as of Mar. 2026. GuruFocus rates ISX:BPFI with a GF Score™ of 62/100 and a GF Value™ of Rp425.27 (Possible Value Trap). The stock has 6 warning signs investors should review.

PT Woori Finance Indonesia Tbk's ROE % for the quarter that ended in Mar. 2026 was 11.19%. PT Woori Finance Indonesia Tbk's PB Ratio for the quarter that ended in Mar. 2026 was 0.60. PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 18.65%.


PT Woori Finance Indonesia Tbk ROE % Adjusted to Book Value Related Terms


PT Woori Finance Indonesia Tbk ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value can be seen below:

* 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 Woori Finance Indonesia Tbk ROE % Adjusted to Book Value Chart

PT Woori Finance Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.85 3.02 8.17 10.64 8.49

PT Woori Finance Indonesia Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.76 7.03 7.23 9.08 18.65

ISX:BPFI vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value falls into.


ISX:BPFI
62GF Score
PT Woori Finance Indonesia Tbk ISX:BPFI
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Woori Finance Indonesia Tbk ROE % Adjusted to Book Value Calculation

PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=6.20% / 0.73
=8.49%

PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.19% / 0.60
=18.65%

* 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 ROE % Adjusted to Book Value of 18.65% mean?
PT Woori Finance Indonesia Tbk (ISX:BPFI) has a ROE % Adjusted to Book Value of 18.65% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PT Woori Finance Indonesia Tbk and its competitors.
Is PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value too high?
PT Woori Finance Indonesia Tbk's current ROE % Adjusted to Book Value is 18.65%. Overall, PT Woori Finance Indonesia Tbk has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value compare to V and MA?
PT Woori Finance Indonesia Tbk's ROE % Adjusted to Book Value of 18.65% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PT Woori Finance Indonesia Tbk and its competitors. PT Woori Finance Indonesia Tbk's current ROE % Adjusted to Book Value is 18.65%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Woori Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk (ISX:BPFI) is currently considered Possible Value Trap. The stock's GF Value™ is Rp425.27, compared to a current price of Rp246.00 — trading 42.2% below its estimated fair value. The current ROE % Adjusted to Book Value is 18.65%. PT Woori Finance Indonesia Tbk's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For PT Woori Finance Indonesia Tbk (ISX:BPFI), the current ROE % Adjusted to Book Value is 18.65% 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 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 Rp246.00 is trading 42.2% below its estimated GF Value™ of Rp425.27. GuruFocus considers PT Woori Finance Indonesia Tbk to be Possible Value Trap.

Key valuation signals for ISX:BPFI:

  • ROE % Adjusted to Book Value: 18.65%
  • GF Value™: Rp425.27 vs. price of Rp246.00 (42.2% below fair value)
  • GF Score™: 62/100 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.
62GF Score

Get the complete analysis for ISX:BPFI

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp246.00
Price
Rp425.27
GF Value