PT BFI Finance Indonesia TbkFRA:PR2 +2.45%85 ROE % is 13.12% as of Mar. 2026, which is 23% below its 10-year median of 17.07. 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 529 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 78.45% on this metric.
The historical rank and industry rank for PT BFI Finance Indonesia Tbk's ROE % or its related term are showing as below:
FRA:PR2'
s ROE % Range Over the Past 10 Years
Min: 11.06 Med: 17.07 Max: 26.43
Current: 14.26
During the past 13 years, PT BFI Finance Indonesia Tbk's highest ROE % was 26.43%. The lowest was 11.06%. And the median was 17.07%.
FRA:PR2's ROE % is ranked better than 78.45% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs FRA:PR2: 14.26
PT BFI Finance Indonesia Tbk (FRA:PR2) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
PT BFI Finance Indonesia Tbk ROE % Related Terms
PT BFI Finance Indonesia Tbk ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's ROE % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
PT BFI Finance Indonesia Tbk (FRA:PR2) has a ROE % of 13.12% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 23% below median its historical median of 17.07. Over the past decade, PT BFI Finance Indonesia Tbk's ROE % has ranged from 11.06 to 26.43. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #114 out of 529 companies in the Credit Services industry, placing it in the top 21.6%.
Is PT BFI Finance Indonesia Tbk's ROE % too high?
PT BFI Finance Indonesia Tbk's current ROE % of 13.12% is 23% below median its 10-year median of 17.07. Over the past 10 years, this metric has ranged from a low of 11.06 to a high of 26.43. The Credit Services industry median ROE % is 6.61. PT BFI Finance Indonesia Tbk's value of 13.12% is 98.5% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #114 out of 529 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #114 out of 529 companies for ROE %. This places PT BFI Finance Indonesia Tbk in the top 22% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. PT BFI Finance Indonesia Tbk's value of 13.12% is 98.5% above this benchmark. Historically, PT BFI Finance Indonesia Tbk's own ROE % has ranged from 11.06 to 26.43 over the past decade. While the company's 10-year median is 17.07 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current ROE % of 13.12% is 98.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current ROE % is 13.12%, which is 23% below median its own 10-year median of 17.07. 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 ROE % is 13.12%, which is 23% below median its 10-year median of 17.07 and 98.5% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current ROE % is 13.12% 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:
ROE %: 13.12% (23% below median its 10-year median of 17.07)
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 98.5% above the Credit Services median (#114 of 529)
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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