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Radana Bhaskara Finance Tbk (HDFA) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Radana Bhaskara Finance Tbk stock IDR 71, price IDR 79, that is 10.3% below the price, quality 42 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services ID · ISIN ID1000118805

RB Radana Bhaskara Finance Tbk logo Thin data Nov 10, 2026

Radana Bhaskara Finance Tbk

HDFA · JK
Expensive, weak quality

Our calculation puts a fair price 10% below what the stock costs today.

Quality 42/100
Expensive Growth (revenue 5y +30.8 %/yr in IDR)
Revenue last quarter 39% below a year ago.
Fair value 70.90 IDR · Overvalued
Loss-making · -171.0% net margin (TTM)
Trails peers (1/11)
Narrow moat 14/100 · thin data
Thin data
Estimate⚠ Small free float
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

292.00 IDR 77.00 IDR Fair Value 70.90 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range 77.00 IDR – 292.00 IDR · fair‑value band 53.17 IDR – 88.62 IDR · the 79.00 IDR price screens above the 70.90 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 10, 2026.

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Company profile

PT Radana Bhaskara Finance Tbk engages in financing activities in Indonesia.

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The company offers investment financing, working capital financing, multipurpose financing, sharia financing, factoring financing, asset-based financing, selling and buying financing, services financing, and other financing services, as well as business capital facilities.

The company was formerly known as PT HD Finance Tbk and changed its name to PT Radana Bhaskara Finance Tbk in June 2014. PT Radana Bhaskara Finance Tbk was incorporated in 1972 and is headquartered in Jakarta, Indonesia.

PT Radana Bhaskara Finance Tbk is a subsidiary of Rubicon Investments Holding Pte. Ltd.

Stock analysis

Radana Bhaskara Finance Tbk (HDFA) currently trades at 79.00 IDR, while our estimate is 70.90 IDR, 10% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: 53.17 IDR (bear) to 88.62 IDR (bull), the price of 79.00 IDR sits inside 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 42/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Radana Bhaskara Finance Tbk reported revenue of 418B IDR in FY2025 versus 158B IDR in FY2021, a compound +27.6%/yr. Reported net income was −81.6B IDR in FY2025.

Key figures

Market cap 499B IDR (≈ $27.7M) Micro · P/S ratio 11.7 · EPS (TTM) −12.56 IDR · Net margin −19.5% · Return on equity −15.4% · Return on assets (EBIT) 2.6% (5-year average) · Operating margin 1.8% · Revenue growth (YoY) −38.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 14 out of 100 (low confidence).

What moves the price

The share trades about 56% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −10%, HDFA screens richer than that median.

Fair Value

Bear 53.17 IDR Fair Value 70.90 IDR Bull 88.62 IDR
Price 79.00 IDR · Downside -10.3%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 42/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 7
How much profit the company makes from its sales and capital
Quality Growth 72
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 15
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 11
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+15.2%
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.
+27.8%
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.
+30.8%
Start year 2020 (pandemic). Over 10 years: −4.6% a year
Revenue growth 16 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.
+7.9%
Profit margin (trend) ⓘ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.
−116.8% (2020) → 43.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

HDFA screens overvalued: fair value 10% below the price. Compare with Visa Inc →

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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 · 325 stocks

Beats the industry median on 1/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 42 · Below median
Fair Value upside −10.3% · Below median
Profitability
Return on assets −2.4% · Bottom 25%
Net margin (12 months) −171.0% · Bottom 25%
Operating margin (12 months) 1.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −38.8% · Bottom 25%
Balance sheet
Debt / equity 5.75× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 1.02× · Cheaper than median
P/S (12 months) 10.39× · Priciest 25%
EV/EBITDA 17.1× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)20 · sector 47
FUTURE (revenue growth)0 · sector 55
PAST (return on equity)0 · sector 34
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 63

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs HDFA
PayPal Holdings PYPL $58.78 $107.45 +83% vs HDFA
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs HDFA
Affirm Holdings AFRM $65.95 $74.92 +14% vs HDFA
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs HDFA
American Express Company AXP $323.46 $210.02 −35% vs HDFA
Visa Inc V $423.00 $242.87 −43% vs HDFA
Mastercard Incorporated MA $658.84 $360.13 −45% vs HDFA
Capital One Financial Corporation COF $195.84 $106.81 −45% vs HDFA
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs HDFA

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Radana Bhaskara Finance Tbk: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Radana Bhaskara Finance Tbk Fair Value". https://www.fairvalue-calculator.com/stock/HDFA

Frequently asked questions

Is Radana Bhaskara Finance Tbk (HDFA) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is 70.90 IDR versus a price of 79.00 IDR, about 10% lower (overvalued).
What is the fair value of HDFA?
Our estimate for Radana Bhaskara Finance Tbk is 70.90 IDR (as of Nov 10, 2026), built from audited fundamentals. The current price: 79.00 IDR.
What is the quality score of HDFA?
Radana Bhaskara Finance Tbk has a Quality Score of 42/100. 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 Radana Bhaskara Finance Tbk (HDFA)?
Our calculated price target is the estimate of 70.90 IDR (as of Nov 10, 2026). Cautious scenario 53.17 IDR, optimistic scenario 88.62 IDR. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Radana Bhaskara Finance Tbk stock forecast for 2026?
Our estimate puts fair value at 70.90 IDR, about 10% lower versus a price of 79.00 IDR (overvalued). Cautious scenario 53.17 IDR, optimistic scenario 88.62 IDR. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Radana Bhaskara Finance Tbk (HDFA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Radana Bhaskara Finance Tbk it is 70.90 IDR per share (as of Nov 10, 2026), against a price of 79.00 IDR.
Is Radana Bhaskara Finance Tbk stock overvalued or undervalued in 2026?
As of Nov 10, 2026, HDFA trades above its calculated fair value: price 79.00 IDR, fair value 70.90 IDR, a gap of about −10% (overvalued). 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 HDFA?
No. The price is what the market pays today (79.00 IDR); the fair value is what the company's own numbers justify (70.90 IDR). For Radana Bhaskara Finance Tbk the two are 8.10 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Radana Bhaskara Finance Tbk worth?
The market values Radana Bhaskara Finance Tbk at about 499B IDR (market capitalisation, as of Nov 10, 2026). Per share that is 79.00 IDR; our models calculate a fair value of 70.90 IDR per share.
What do the bullish and bearish scenarios say about HDFA?
Our models span a range for Radana Bhaskara Finance Tbk: cautious scenario 53.17 IDR, base 70.90 IDR, optimistic 88.62 IDR per share (as of Nov 10, 2026, price 79.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Radana Bhaskara Finance Tbk (HDFA)?
Balance-sheet figures for Radana Bhaskara Finance Tbk (as of Nov 10, 2026): return on equity −15.4%, debt of 5.75 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is HDFA from its 52-week high?
Radana Bhaskara Finance Tbk trades at 79.00 IDR, about 56% below its 52-week high of 179.00 IDR and 3% above the low of 77.00 IDR (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of 70.90 IDR is for.
Which stocks are comparable to Radana Bhaskara Finance 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 Radana Bhaskara Finance Tbk stock attractive at the current price?
The data as of Nov 10, 2026: price 79.00 IDR, calculated fair value 70.90 IDR (−10%), Quality Score 42/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Radana Bhaskara Finance Tbk itself currently trades above fair value. 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 Radana Bhaskara Finance Tbk (HDFA)?
The closing price on Nov 10, 2026 was 79.00 IDR. Our estimate is 70.90 IDR, about 10% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Radana Bhaskara Finance Tbk right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Radana Bhaskara Finance Tbk

How large is the market capitalisation of Radana Bhaskara Finance Tbk (HDFA)?
The market capitalisation of Radana Bhaskara Finance Tbk is 499B IDR (≈ $27.7M). 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 Radana Bhaskara Finance Tbk (HDFA)?
The price-to-sales ratio of Radana Bhaskara Finance Tbk is 11.7 (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 Radana Bhaskara Finance Tbk (HDFA)?
Earnings per share at Radana Bhaskara Finance Tbk are −12.56 IDR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Radana Bhaskara Finance Tbk (HDFA)?
The net margin of Radana Bhaskara Finance Tbk is −19.5% (fiscal year 2025). 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 Radana Bhaskara Finance Tbk (HDFA)?
The return on equity (ROE) of Radana Bhaskara Finance 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 Radana Bhaskara Finance Tbk (HDFA)?
On an EBIT basis the return on assets of Radana Bhaskara Finance Tbk is 2.6% (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 Radana Bhaskara Finance Tbk (HDFA)?
The operating margin of Radana Bhaskara Finance Tbk is 1.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Radana Bhaskara Finance Tbk (HDFA)?
Revenue at Radana Bhaskara Finance Tbk is growing −38.8% versus a year earlier (3y avg +27.8%). 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 Radana Bhaskara Finance Tbk (HDFA)?
Earnings per share at Radana Bhaskara Finance Tbk are growing −52.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Radana Bhaskara Finance Tbk (HDFA) generate?
The free cash flow of Radana Bhaskara Finance Tbk is −256B IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Radana Bhaskara Finance Tbk (HDFA) carry?
The net debt of Radana Bhaskara Finance Tbk is 2.7T IDR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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