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Buana Finance Tbk (BBLD) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Buana Finance Tbk IDR 186, price IDR 660, upside -71.9%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · ID · ISIN ID1000104607

BF Thin data Sep 24, 2026

Buana Finance Tbk

BBLD · JK

Weakest SetupStrongly overvalued and low quality.

!Fair value 185.64 IDR · Strongly overvalued (−72%)
!Quality 39/100
!Mixed Growth (revenue 5y +6.9 %/yr)
!Thin margins · 1.3% net margin (TTM)
!High debt · negative free cash flow
!Trails peers (1/13)
!Narrow moat 28/100
!Evidence only low, so the estimate is less certain
!Weak on past: 2 out of 100
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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

1,121 IDR 335.63 IDR Fair Value 185.64 IDR Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range 335.63 IDR – 1,121 IDR · fair‑value band 79.86 IDR – 248.52 IDR · the 660.00 IDR price screens above the 185.64 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

PT Buana Finance Tbk provides investment, working capital, and multipurpose financing services in Indonesia. It operates through Finance Lease Receivables and Consumer Financing Receivables segments.

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PT Buana Finance Tbk provides investment, working capital, and multipurpose financing services in Indonesia. It operates through Finance Lease Receivables and Consumer Financing Receivables segments. The company offers financing services for various products, including heavy equipment, such as excavators, wheel loaders, tractors, and heavy trucks; generators and forklifts; printing and industrial machineries; consumer cars and commercial vehicles (trucks); vessels; Hajj/Umrah; education; tour traveling/vacation; and others, as well as sale and leaseback services. It also provides working capital financing, which includes factoring; multipurpose financing comprising finance lease, installment finance and funding facility; and investment financing that cover financing facilities for procurement of capital goods, as well as services to individuals, business entities, or legal entities for the modernization and expansion of businesses/investment. It serves customers through a network of 35 branches located in Jabodetabek, Java, Sumatera, Bali, Kalimantan, and Sulawesi. PT Buana Finance Tbk was founded in 1982 and is headquartered in Jakarta, Indonesia. PT Buana Finance Tbk operates as a subsidiary of PT Sari Dasa Karsa.

Stock analysis

Buana Finance Tbk (BBLD) currently trades at 660.00 IDR, while our model-based Fair Value estimate is 185.64 IDR, implying the stock looks roughly 255.5% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of 572.92 IDR per share, and 0 of the 6 models we run sit above the 660.00 IDR price.

Bear case: the Earnings-Based group reads lowest at 60.12 IDR, and 6 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: 79.86 IDR (bear) to 248.52 IDR (bull), the price of 660.00 IDR sits above 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 39/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Buana Finance Tbk reported revenue of 917B IDR in FY2025 versus 516B IDR in FY2021, a compound +15.4%/yr. Reported net income was 13.5B IDR in FY2025, compounding −17.2%/yr from FY2021.

Key figures

Market cap 1.1T IDR (≈ $60.7M) · P/E ratio 117.4 · P/S ratio 1.73 · EPS (TTM) 5.62 IDR · Net margin 1.5% · Return on equity 0.4% · Return on assets (EBIT) 1.7% · Operating margin 10.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 32% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −72%, BBLD screens richer than that median.

Fair Value models

The price assumes far more growth than our models allow for, so the models scatter widely (60.12 IDR to 572.92 IDR). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear 79.86 IDR Fair Value 185.64 IDR Bull 248.52 IDR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (4.13 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income 523.06 IDR 465.00 IDR 289.38 IDR 76
Owner Earnings n/a n/a 519.75 IDR 73
Graham-Dodd 55.70 IDR 185.64 IDR 248.52 IDR 64
All 7 models by family
DCF Models
Owner Earnings n/a n/a 519.75 IDR 73
Earnings-Based
Graham-Dodd 55.70 IDR 185.64 IDR 248.52 IDR 64
Lynch FV 42.08 IDR 60.12 IDR 78.15 IDR 61
Multiples
P/E Multiple 79.86 IDR 106.48 IDR 133.10 IDR 63
P/B Multiple 104.43 IDR 139.24 IDR 174.05 IDR 55
Asset-Based
NCAV (Graham) 427.56 IDR 572.92 IDR 855.11 IDR 54
Economic Profit
Residual Income 523.06 IDR 465.00 IDR 289.38 IDR 76

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Quality Score breakdown

Overall quality 39/100

Of which business quality 34 · Market factors (momentum, volatility) 36

Profitability 16
Margins and returns on capital today
Quality Growth 74
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 7
Balance sheet, leverage, solvency risk
Investment 70
Disciplined investing over empire-building
Low Volatility 66
Calm price path (market factor)
Momentum 28
Price trend over the last 3–12 months (market factor)
52W Momentum 16
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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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. 33/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+16.7%
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.
+19.3%
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.
+6.9%
Start year 2020 (pandemic). Over 10 years: +6.0% a year
Revenue growth 25 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.
+8.4%
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.
−14.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−14.0%
Dividend (yield on the price)0.0%
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.−14% vs −14%, steady
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.2% → 46%
Start year 2020 (pandemic)

BBLD screens 255% overvalued. 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 · 331 stocks

Beats the industry median on 1/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −72% · Bottom 25%
Profitability
Return on equity (TTM) 0% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 1% · Bottom 25%
Operating margin (TTM) 10% · Bottom 25%
Growth and dividend
Revenue growth −8% · Bottom 25%
Dividend yield (TTM) 0.0% · Bottom 25%
Balance sheet
Debt / equity 4.01× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 117.4× · Priciest 25%
P/B 0.77× · Cheaper than median
P/S (TTM) 2.65× · Pricier than median
EV/EBITDA 14.9× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 49
FUTURE (revenue growth)0 · sector 36
PAST (return on equity)2 · sector 32
HEALTH (low debt)0 · sector 59
DIVIDEND (yield)0 · sector 68

VALUE 0: the price sits above our fair-value range.

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
Visa Inc V $362.04 $227.35 −37%
Mastercard Incorporated MA $555.89 $356.78 −36%
American Express Company AXP $305.07 $206.40 −32%
Capital One Financial Corporation COF $200.55 $125.36 −37%
Bajaj Finance Limited BAJFINANCE ₹1,043 ₹1,101 +6%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $71.77 $16.24 −77%
Shriram Finance Limited SHRIRAMFIN ₹1,011 ₹1,374 +36%
Synchrony Financial, SYF $72.67 $137.28 +89%
SoFi Technologies, Inc SOFI $17.16 $5.57 −68%

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Buana Finance Tbk · Fair Value
185.64 IDR −255%Fair Value
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Cite: Fair Value Calculator (2026). "Buana Finance Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BBLD

Frequently asked questions

Is Buana Finance Tbk (BBLD) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 185.64 IDR versus a price of 660.00 IDR, about −72% upside (overvalued).
What is the fair value of BBLD?
Our model-based fair value for Buana Finance Tbk is 185.64 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 660.00 IDR.
What is the quality score of BBLD?
Buana Finance Tbk has a Quality Score of 39/100. 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 Buana Finance Tbk (BBLD)?
Our model-based price target is the fair value of 185.64 IDR (as of Sep 24, 2026) from 7 valuation models. Cautious scenario 79.86 IDR, optimistic scenario 248.52 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Buana Finance Tbk stock forecast for 2026?
Our models put fair value at 185.64 IDR, about −72% upside versus a price of 660.00 IDR (overvalued). Cautious scenario 79.86 IDR, optimistic scenario 248.52 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Buana Finance Tbk (BBLD)?
Buana Finance Tbk reported trailing-twelve-month revenue of about 410B IDR (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Buana Finance Tbk (BBLD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Buana Finance Tbk it is 185.64 IDR per share (as of Sep 24, 2026), against a price of 660.00 IDR. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Buana Finance Tbk stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BBLD trades above its calculated fair value: price 660.00 IDR, fair value 185.64 IDR, a gap of about −72% (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 BBLD?
No. The price is what the market pays today (660.00 IDR); the fair value is what the company's own numbers justify (185.64 IDR). For Buana Finance Tbk the two are 474.36 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Buana Finance Tbk worth?
The market values Buana Finance Tbk at about 1.1T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 660.00 IDR; our models calculate a fair value of 185.64 IDR per share.
What do the bullish and bearish scenarios say about BBLD?
Our models span a range for Buana Finance Tbk: cautious scenario 79.86 IDR, base 185.64 IDR, optimistic 248.52 IDR per share (as of Sep 24, 2026, price 660.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BBLD?
Buana Finance Tbk trades at a price-to-earnings ratio of 117.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 185.64 IDR is built from several models across several years. Other multiples: P/B 0.8, P/S 2.6, EV/EBITDA 14.9.
How solid is the balance sheet of Buana Finance Tbk (BBLD)?
Balance-sheet figures for Buana Finance Tbk (as of Sep 24, 2026): return on equity 0.4%, debt of 4.01 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is BBLD from its 52-week high?
Buana Finance Tbk trades at 660.00 IDR, about 32% below its 52-week high of 966.38 IDR and 27% above the low of 520.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 185.64 IDR is for.
Which stocks are comparable to Buana 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 Buana Finance Tbk stock attractive at the current price?
The data as of Sep 24, 2026: price 660.00 IDR, calculated fair value 185.64 IDR (−72%), Quality Score 39/100, from 7 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 BBLD calculated?
We run Buana Finance Tbk through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 185.64 IDR, 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 13.2 % above its aggregate fair value. Buana 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 Buana Finance Tbk (BBLD)?
The closing price on Sep 24, 2026 was 660.00 IDR. Our model-based fair value is 185.64 IDR, about −72% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Buana Finance Tbk right now?
The price sits above even our optimistic bull case (248.52 IDR). The favourable scenario is already priced in. Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide (79.86 IDR to 248.52 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.
Where does the earnings growth of Buana Finance Tbk (BBLD) come from?
Earnings per share at Buana Finance Tbk grew −2.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.5 %, EBIT margin −2.2 %, tax rate +0.7 %, residual (interest, one-offs) −5.0 %. 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 Buana Finance Tbk

How large is the market capitalisation of Buana Finance Tbk (BBLD)?
The market capitalisation of Buana Finance Tbk is 1.1T IDR (≈ $60.7M). 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 Buana Finance Tbk (BBLD)?
The price-to-sales ratio of Buana Finance Tbk is 1.73 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Buana Finance Tbk (BBLD)?
Earnings per share at Buana Finance Tbk are 5.62 IDR (price ÷ EPS = P/E 117.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Buana Finance Tbk (BBLD)?
The net margin of Buana Finance Tbk is 1.5% (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 Buana Finance Tbk (BBLD)?
The return on equity (ROE) of Buana Finance Tbk is 0.4% (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 Buana Finance Tbk (BBLD)?
On an EBIT basis the return on assets of Buana Finance Tbk is 1.7% (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 Buana Finance Tbk (BBLD)?
The operating margin of Buana Finance Tbk is 10.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Buana Finance Tbk (BBLD)?
Revenue at Buana Finance Tbk is growing −8.0% versus a year earlier (3y avg +19.3%). 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 Buana Finance Tbk (BBLD)?
Earnings per share at Buana Finance Tbk are growing −82.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Buana Finance Tbk (BBLD) generate?
The free cash flow of Buana Finance Tbk is −469B 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 Buana Finance Tbk (BBLD) carry?
The net debt of Buana Finance Tbk is 5.5T 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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