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PT BFI Finance Indonesia TbkISX:BFIN -1.30%86 5-Year Yield-on-Cost % is 47.11 as of Jul. 27, 2026, which is 78% above its 10-year median of 26.44. GuruFocus rates ISX:BFIN with a GF Score™ of 86/100 and a GF Value™ of Rp947.58 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 212 Credit Services companies, PT BFI Finance Indonesia Tbk ranks better than 99.53% on this metric.
The historical rank and industry rank for PT BFI Finance Indonesia Tbk's 5-Year Yield-on-Cost % or its related term are showing as below:
ISX:BFIN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.86 Med: 26.44 Max: 97.13
Current: 47.11
During the past 13 years, PT BFI Finance Indonesia Tbk's highest Yield on Cost was 97.13. The lowest was 2.86. And the median was 26.44.
ISX:BFIN's 5-Year Yield-on-Cost % is ranked better than 99.53% of 212
companies
in the Credit Services industry
Industry Median: 4.505
vs ISX:BFIN: 47.11
PT BFI Finance Indonesia Tbk (ISX:BFIN) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
PT BFI Finance Indonesia Tbk 5-Year Yield-on-Cost % Related Terms
ISX:BFIN vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, PT BFI Finance Indonesia Tbk's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT BFI Finance Indonesia Tbk's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where PT BFI Finance Indonesia Tbk's 5-Year Yield-on-Cost % falls into.
PT BFI Finance Indonesia Tbk 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
PT BFI Finance Indonesia Tbk (ISX:BFIN) has a 5-Year Yield-on-Cost % of 47.11 as of Jul. 27, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PT BFI Finance Indonesia Tbk and its competitors. This is 78% above median its historical median of 26.44. Over the past decade, PT BFI Finance Indonesia Tbk's 5-Year Yield-on-Cost % has ranged from 2.86 to 97.13. According to the industry distribution chart, PT BFI Finance Indonesia Tbk ranks #1 out of 212 companies in the Credit Services industry, placing it in the top 0.5%.
Is PT BFI Finance Indonesia Tbk's 5-Year Yield-on-Cost % too high?
PT BFI Finance Indonesia Tbk's current 5-Year Yield-on-Cost % of 47.11 is 78% above median its 10-year median of 26.44. Over the past 10 years, this metric has ranged from a low of 2.86 to a high of 97.13. The Credit Services industry median 5-Year Yield-on-Cost % is 4.51. PT BFI Finance Indonesia Tbk's value of 47.11 is 945.7% above this industry median. Based on the distribution chart, PT BFI Finance Indonesia Tbk ranks #1 out of 212 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 86/100 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 Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, PT BFI Finance Indonesia Tbk ranks #1 out of 212 companies for 5-Year Yield-on-Cost %. This places PT BFI Finance Indonesia Tbk in the top 1% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.51. PT BFI Finance Indonesia Tbk's value of 47.11 is 945.7% above this benchmark. Historically, PT BFI Finance Indonesia Tbk's own 5-Year Yield-on-Cost % has ranged from 2.86 to 97.13 over the past decade. While the company's 10-year median is 26.44 vs. the industry median of 4.51, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.51, based on 212 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 Yield-on-Cost % of 47.11 is 945.7% 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 Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PT BFI Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.51 — 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 Yield-on-Cost % is 47.11, which is 78% above median its own 10-year median of 26.44. 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 (ISX:BFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp947.58, compared to a current price of Rp760.00 — trading 19.8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 47.11, which is 78% above median its 10-year median of 26.44 and 945.7% above the Credit Services industry median of 4.51. PT BFI Finance Indonesia Tbk's overall GF Score™ is 86/100 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 Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For PT BFI Finance Indonesia Tbk (ISX:BFIN), the current 5-Year Yield-on-Cost % is 47.11 as of Jul. 27, 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 (ISX:BFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp760.00 is trading 19.8% below its estimated GF Value™ of Rp947.58.
GuruFocus considers PT BFI Finance Indonesia Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BFIN:
5-Year Yield-on-Cost %: 47.11 (78% above median its 10-year median of 26.44)
GF Value™: Rp947.58 vs. price of Rp760.00 (19.8% below fair value)
Industry Position: 945.7% above the Credit Services median (#1 of 212)
No single metric tells the full story. See the ISX:BFIN 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.
86GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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