PT BFI Finance Indonesia Tbk (BFIN) Fair Value & Analysis
Financial Services · ID · Market cap 11.8T IDR
Fair value as of: Jul 14, 2026
From 11 valuation models · updated 26 days ago
Share price +19.9% over the past month.
A solid business, screening 54% undervalued on our models.
What matters now
- The price is below even our cautious bear case (931.28 IDR). The market is more pessimistic than our downside scenario.
- The model range is unusually wide (931.28 IDR to 3,720 IDR). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 14, 2026.
How to read this chart
60‑month range 450.58 IDR – 1,227 IDR · fair‑value band 931.28 IDR – 3,720 IDR · the 905.00 IDR price screens below the 1,394 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.
Analysis
PT BFI Finance Indonesia Tbk (BFIN) currently trades at 905.00 IDR, while our model-based Fair Value estimate is 1,394 IDR, implying the stock looks roughly 54.1% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, PT BFI Finance Indonesia Tbk generated revenue of 4.4T IDR at a net margin of 34.8%. Revenue declined 4.7% year over year. It earns a return on equity of 14.2%. Net debt stands at 12.0T IDR. Fundamentals as of Jul 14, 2026
Our scenario range runs from 931.28 IDR (bear case) to 3,720 IDR (bull case); at 905.00 IDR, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 57% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 54%, BFIN screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 11 models by family
Widest divergence: DCF Models (1,898 IDR) versus Asset-Based (483.92 IDR). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 69
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT 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.
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Peer Group
Credit Services · 333 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 14, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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