BFI Finance Indonesia Tbk (BFIN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of BFI Finance Indonesia Tbk stock IDR 1,440, price IDR 720, upside +100.0%, quality 70 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 585.00 IDR – 1,227 IDR · fair‑value band 755.16 IDR – 2,431 IDR · the 720.00 IDR price screens below the 1,440 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
Follow BFI Finance Indonesia Tbk in your weekly email
Every Wednesday you see whether BFI Finance Indonesia Tbk is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
PT BFI Finance Indonesia Tbk provides investment, working capital, multipurpose, and other financing services primarily in Indonesia. The company operates through Cars, Motorcycles, and Others segments.
Show moreShow less
It provides collateral financing house; collateral financing vehicle car; collateral financing vehicle motorcycle; used car loans; heavy equipment and industrial machinery procurement; and sharia financing services.
The company was formerly known as PT Bunas Finance Indonesia Tbk and changed its name to PT BFI Finance Indonesia Tbk in June 2001. PT BFI Finance Indonesia Tbk was founded in 1982 and is headquartered in Tangerang Selatan, Indonesia.
Stock analysis
BFI Finance Indonesia Tbk (BFIN) currently trades at 720.00 IDR, while our model-based Fair Value estimate is 1,440 IDR, implying the stock looks roughly 50% undervalued today.
Show more
Valuation
Bull case: the Earnings-Based group reads highest at a median of 3,023 IDR per share, and 12 of the 13 models we run sit above the 720.00 IDR price.
Bear case: the Asset-Based group reads lowest at 646.35 IDR, and 1 of the 13 models stay below the price. Data coverage for this calculation is low.
Scenario range: 755.16 IDR (bear) to 2,431 IDR (bull), the price of 720.00 IDR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 70/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
BFI Finance Indonesia Tbk reported revenue of 6.5T IDR in FY2025 versus 3.9T IDR in FY2021, a compound +14.0%/yr. Reported net income was 1.6T IDR in FY2025, compounding +8.7%/yr from FY2021.
Key figures
Market cap 10.6T IDR (≈ $587M) Small · P/E ratio 6.7 · P/S ratio 2.33 · EPS (TTM) 108.00 IDR · Dividend yield 4.9% · Net margin 36.1% · Return on equity 15.4% · Return on assets (EBIT) 9.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 74 out of 100 (low confidence).
What moves the price
The share trades about 29% below its 52-week high and 23% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 100%, BFIN screens cheaper than that median.
Fair Value models
Bear755.16 IDRFair Value 1,440 IDRBull2,431 IDR
Price 720.00 IDR · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (62.40 IDR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.87/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.3%
Start year 2020 (pandemic). Over 10 years: +11.7% a year
Revenue growth 24 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.9%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+21.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.7%
Dividend (yield on the price)4.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16.7% vs 9.4%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 45%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+13.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (Indonesia: IMF forecast 2.6% a year to 2030, 2.9% from 2016 to 2025) that is about +10.3% a year for the price and +0.1% for the forecasts.
Compare BFI Finance Indonesia Tbk with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 13/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score70 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)15.4% · Above median
Return on assets6.2% · Top 25%
Net margin (12 months)36.1% · Above median
Operating margin (12 months)48.0% · Above median
Growth and dividend
Revenue growth (quarter YoY)15.7% · Above median
Dividend yield (12 months)4.9% · Above median
Balance sheet
Debt / equity0.42× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)6.7× · Cheapest 25%
P/B1.00× · Cheaper than median
P/S (12 months)2.33× · Cheaper than median
Price / free cash flow (fiscal year)8.6× · Pricier than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "BFI Finance Indonesia Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BFIN
Frequently asked questions
Is BFI Finance Indonesia Tbk (BFIN) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 1,440 IDR versus a price of 720.00 IDR, about +100% upside (undervalued).
What is the fair value of BFIN?
Our model-based fair value for BFI Finance Indonesia Tbk is 1,440 IDR (as of Nov 7, 2026), built from audited fundamentals. The current price: 720.00 IDR.
What is the quality score of BFIN?
BFI Finance Indonesia Tbk has a Quality Score of 70/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for BFI Finance Indonesia Tbk (BFIN)?
Our model-based price target is the fair value of 1,440 IDR (as of Nov 7, 2026) from 13 valuation models. Cautious scenario 755.16 IDR, optimistic scenario 2,431 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the BFI Finance Indonesia Tbk stock forecast for 2026?
Our models put fair value at 1,440 IDR, about +100% upside versus a price of 720.00 IDR (undervalued). Cautious scenario 755.16 IDR, optimistic scenario 2,431 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of BFI Finance Indonesia Tbk (BFIN)?
BFI Finance Indonesia Tbk reported trailing-twelve-month revenue of about 4.6T IDR (latest available figure, as of Nov 7, 2026).
Does BFI Finance Indonesia Tbk pay a dividend?
BFI Finance Indonesia Tbk currently shows a dividend yield of 4.86% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of BFI Finance Indonesia Tbk (BFIN) and when is the ex-dividend date?
BFI Finance Indonesia Tbk pays a dividend of 35.00 IDR per share a year, a dividend yield of 4.9%. The last ex-dividend date was Jun 3, 2026. A dividend has been paid every year since 2014. The payout ratio is 32.4% of earnings. Free cash flow covers the dividend 2.40 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into BFI Finance Indonesia Tbk (BFIN)?
For today's price to be fair in a discounted-cash-flow model, BFI Finance Indonesia Tbk would have to grow free cash flow by +13.2 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.3 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of BFIN use?
Our models discount BFI Finance Indonesia Tbk at 12.0 %: a base by market capitalisation (small), damped by beta 0.37, country premium for Indonesia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For BFI Finance Indonesia Tbk that is +13.2 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has BFI Finance Indonesia Tbk (BFIN) delivered so far?
Over the past 5 years revenue at BFI Finance Indonesia Tbk grew +8.3 % a year. The price currently implies free-cash-flow growth of +13.2 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of BFI Finance Indonesia Tbk (BFIN) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into BFI Finance Indonesia Tbk (+13.2 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of BFI Finance Indonesia Tbk (BFIN)?
The free-cash-flow yield on the price is 11.63 %: that much free cash flow BFI Finance Indonesia Tbk produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of BFI Finance Indonesia Tbk (BFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BFI Finance Indonesia Tbk it is 1,440 IDR per share (as of Nov 7, 2026), against a price of 720.00 IDR. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is BFI Finance Indonesia Tbk stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BFIN trades below its calculated fair value: price 720.00 IDR, fair value 1,440 IDR, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BFIN?
No. The price is what the market pays today (720.00 IDR); the fair value is what the company's own numbers justify (1,440 IDR). For BFI Finance Indonesia Tbk the two are 720.00 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is BFI Finance Indonesia Tbk worth?
The market values BFI Finance Indonesia Tbk at about 10.6T IDR (market capitalisation, as of Nov 7, 2026). Per share that is 720.00 IDR; our models calculate a fair value of 1,440 IDR per share.
What do the bullish and bearish scenarios say about BFIN?
Our models span a range for BFI Finance Indonesia Tbk: cautious scenario 755.16 IDR, base 1,440 IDR, optimistic 2,431 IDR per share (as of Nov 7, 2026, price 720.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BFIN?
BFI Finance Indonesia Tbk trades at a price-to-earnings ratio of 6.7 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1,440 IDR is built from several models across several years. Other multiples: P/B 1.0, P/S 2.3, EV/EBITDA 4.3.
How solid is the balance sheet of BFI Finance Indonesia Tbk (BFIN)?
Balance-sheet figures for BFI Finance Indonesia Tbk (as of Nov 7, 2026): return on equity 15.4%, debt of 0.42 per unit of equity. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is BFIN from its 52-week high?
BFI Finance Indonesia Tbk trades at 720.00 IDR, about 29% below its 52-week high of 1,020 IDR and 23% above the low of 585.00 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1,440 IDR is for.
Which stocks are comparable to BFI Finance Indonesia Tbk?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is BFI Finance Indonesia Tbk stock attractive at the current price?
The data as of Nov 7, 2026: price 720.00 IDR, calculated fair value 1,440 IDR (+100%), Quality Score 70/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BFIN calculated?
We run BFI Finance Indonesia Tbk through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 1,440 IDR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. BFI Finance Indonesia Tbk currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of BFI Finance Indonesia Tbk (BFIN)?
The closing price on Nov 6, 2026 was 720.00 IDR. Our model-based fair value is 1,440 IDR, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BFI Finance Indonesia Tbk right now?
The price is below even our cautious bear case (755.16 IDR). The market is more pessimistic than our downside scenario. The model range is unusually wide (755.16 IDR to 2,431 IDR). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (70/100) at a price below fair value, the discount is the argument here, not the business quality.
Where does the earnings growth of BFI Finance Indonesia Tbk (BFIN) come from?
Earnings per share at BFI Finance Indonesia Tbk grew +10.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +11.7 %, EBIT margin −1.0 %, tax rate +0.3 %, residual (interest, one-offs) −0.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of BFI Finance Indonesia Tbk
How large is the market capitalisation of BFI Finance Indonesia Tbk (BFIN)?
The market capitalisation of BFI Finance Indonesia Tbk is 10.6T IDR (≈ $587M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of BFI Finance Indonesia Tbk (BFIN)?
The price-to-sales ratio of BFI Finance Indonesia Tbk is 2.33 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of BFI Finance Indonesia Tbk (BFIN)?
Earnings per share at BFI Finance Indonesia Tbk are 108.00 IDR (price ÷ EPS = P/E 6.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BFI Finance Indonesia Tbk (BFIN)?
The dividend yield of BFI Finance Indonesia Tbk is 4.9% (payout 32.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of BFI Finance Indonesia Tbk (BFIN)?
The net margin of BFI Finance Indonesia Tbk is 36.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of BFI Finance Indonesia Tbk (BFIN)?
The return on equity (ROE) of BFI Finance Indonesia Tbk is 15.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of BFI Finance Indonesia Tbk (BFIN)?
On an EBIT basis the return on assets of BFI Finance Indonesia Tbk is 9.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of BFI Finance Indonesia Tbk (BFIN)?
The operating margin of BFI Finance Indonesia Tbk is 48.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BFI Finance Indonesia Tbk (BFIN)?
Revenue at BFI Finance Indonesia Tbk is growing +15.7% versus a year earlier (3y avg +8.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at BFI Finance Indonesia Tbk (BFIN)?
Earnings per share at BFI Finance Indonesia Tbk are growing +35.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does BFI Finance Indonesia Tbk (BFIN) carry?
The net debt of BFI Finance Indonesia Tbk is 12.0T IDR (fiscal year 2025, ≈ 9.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch BFI Finance Indonesia Tbk in the live analysis
One click puts BFI Finance Indonesia Tbk on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Thin data
Nov 7, 2026