5-Year Return on Invested Incremental Capital (5-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 5-year.
PT BFI Finance Indonesia Tbk's 5-Year ROIIC % for the quarter that ended in Dec. 2025 was 10.08%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
FRA:PR2's 5-Year ROIIC % is ranked better than 75.34% of 369
companies
in the Credit Services industry
Industry Median: 2.88
vs FRA:PR2: 10.08
PT BFI Finance Indonesia Tbk (FRA:PR2) 5-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
PT BFI Finance Indonesia Tbk 5-Year ROIIC % Related Terms
PT BFI Finance Indonesia Tbk 5-Year ROIIC % 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 5-Year ROIIC %, along with its competitors' market caps and 5-Year ROIIC % 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 5-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's 5-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 5-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
PT BFI Finance Indonesia Tbk (FRA:PR2) has a 5-Year ROIIC % of 10.08 as of Dec. 2025. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on PT BFI Finance Indonesia Tbk and its competitors. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #91 out of 369 companies in the Credit Services industry, placing it in the top 24.7%.
Is PT BFI Finance Indonesia Tbk's 5-Year ROIIC % too high?
PT BFI Finance Indonesia Tbk's current 5-Year ROIIC % is 10.08. The Credit Services industry median 5-Year ROIIC % is 2.88. PT BFI Finance Indonesia Tbk's value of 10.08 is 250% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #91 out of 369 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 5-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #91 out of 369 companies for 5-Year ROIIC %. This places PT BFI Finance Indonesia Tbk in the top 25% of its industry — outperforming the majority of peers. The industry median 5-Year ROIIC % is 2.88. PT BFI Finance Indonesia Tbk's value of 10.08 is 250% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year ROIIC % for a Credit Services company?
The median 5-Year ROIIC % among Credit Services companies is 2.88, based on 369 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT BFI Finance Indonesia Tbk's current 5-Year ROIIC % of 10.08 is 250% 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 5-Year ROIIC % mean?
A high 5-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median 5-Year ROIIC % is 2.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT BFI Finance Indonesia Tbk's current 5-Year ROIIC % is 10.08. 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 5-Year ROIIC % is 10.08 and 250% above the Credit Services industry median of 2.88. 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 5-Year ROIIC % calculated?
5-Year ROIIC % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (FRA:PR2), the current 5-Year ROIIC % is 10.08 as of Dec. 2025. 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:
5-Year ROIIC %: 10.08
GF Value™: €0.04 vs. price of €0.03 (26.8% below fair value)
Industry Position: 250% above the Credit Services median (#91 of 369)
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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