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PT Woori Finance Indonesia TbkISX:BPFI -0.78%59 5-Year Yield-on-Cost % is 3.04 as of Aug. 14, 2026, which is 2% below its 10-year median of 3.11. GuruFocus rates ISX:BPFI with a GF Score™ of 59/100 and a GF Value™ of Rp440.19 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 212 Credit Services companies, PT Woori Finance Indonesia Tbk ranks worse than 61.32% on this metric.
PT Woori Finance Indonesia Tbk (ISX:BPFI) 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 Woori Finance Indonesia Tbk 5-Year Yield-on-Cost % Related Terms
ISX:BPFI vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, PT Woori 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 Woori Finance Indonesia Tbk 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Woori Finance Indonesia Tbk's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where PT Woori Finance Indonesia Tbk's 5-Year Yield-on-Cost % falls into.
PT Woori 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 Woori Finance Indonesia Tbk (ISX:BPFI) has a 5-Year Yield-on-Cost % of 3.04 as of Aug. 14, 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 Woori Finance Indonesia Tbk and its competitors. This is near median its historical median of 3.11. Over the past decade, PT Woori Finance Indonesia Tbk's 5-Year Yield-on-Cost % has ranged from 0.85 to 9.26. According to the industry distribution chart, PT Woori Finance Indonesia Tbk ranks #130 out of 212 companies in the Credit Services industry, placing it in the top 61.3%.
Is PT Woori Finance Indonesia Tbk's 5-Year Yield-on-Cost % too high?
PT Woori Finance Indonesia Tbk's current 5-Year Yield-on-Cost % of 3.04 is near median its 10-year median of 3.11. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 9.26. The Credit Services industry median 5-Year Yield-on-Cost % is 4.48. PT Woori Finance Indonesia Tbk's value of 3.04 is 32.1% below this industry median. Based on the distribution chart, PT Woori Finance Indonesia Tbk ranks #130 out of 212 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Woori Finance Indonesia Tbk has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Woori Finance Indonesia Tbk's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, PT Woori Finance Indonesia Tbk ranks #130 out of 212 companies for 5-Year Yield-on-Cost %. This places PT Woori Finance Indonesia Tbk in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.48. PT Woori Finance Indonesia Tbk's value of 3.04 is 32.1% below this benchmark. Historically, PT Woori Finance Indonesia Tbk's own 5-Year Yield-on-Cost % has ranged from 0.85 to 9.26 over the past decade. While the company's 10-year median is 3.11 vs. the industry median of 4.48, PT Woori 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.48, 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 Woori Finance Indonesia Tbk's current 5-Year Yield-on-Cost % of 3.04 is 32.1% 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 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 Woori Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Woori Finance Indonesia Tbk's current 5-Year Yield-on-Cost % is 3.04, which is near median its own 10-year median of 3.11. 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 Rp440.19, compared to a current price of Rp254.00 — trading 42.3% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.04, which is near median its 10-year median of 3.11 and 32.1% below the Credit Services industry median of 4.48. PT Woori Finance Indonesia Tbk's overall GF Score™ is 59/100 with 6 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 Woori Finance Indonesia Tbk (ISX:BPFI), the current 5-Year Yield-on-Cost % is 3.04 as of Aug. 14, 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 Rp254.00 is trading 42.3% below its estimated GF Value™ of Rp440.19.
GuruFocus considers PT Woori Finance Indonesia Tbk to be Possible Value Trap.
Key valuation signals for ISX:BPFI:
5-Year Yield-on-Cost %: 3.04 (near median its 10-year median of 3.11)
GF Value™: Rp440.19 vs. price of Rp254.00 (42.3% below fair value)
Industry Position: 32.1% below the Credit Services median (#130 of 212)
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 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.
59GF Score
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