Batavia Prosperindo Finance (BPFI) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Batavia Prosperindo Finance stock IDR 336, price IDR 234, upside +43.4%, quality 38 out of 100. Rating: undervalued. Calculated from audited financials with 9 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 9, 2026.
How to read this chart
60‑month range 220.62 IDR – 952.19 IDR · fair‑value band 258.86 IDR – 358.57 IDR · the 234.00 IDR price screens below the 335.67 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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PT Woori Finance Indonesia Tbk, a multi finance company, provides various financial services in Indonesia. The company operates through Finance Lease, Consumer Financing, and Factoring segments.
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It offers investment financing, working capital financing, multipurpose financing, operating lease, financing, and service-based activities. In addition, the company provides vehicle and heavy equipment financing; and loan financing for individuals, business entities, and legal entities.
The company was formerly known as PT Batavia Prosperindo Finance Tbk. PT Woori Finance Indonesia Tbk was founded in 1994 and is headquartered in Jakarta, Indonesia. PT Woori Finance Indonesia Tbk (IDX:BPFI) operates as a subsidiary of Woori Card Co., Ltd.
Stock analysis
Batavia Prosperindo Finance (BPFI) currently trades at 234.00 IDR, while our model-based Fair Value estimate is 335.67 IDR, implying the stock looks roughly 30% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 510.14 IDR per share, and 6 of the 9 models we run sit above the 234.00 IDR price.
Bear case: the Dividend Discount group reads lowest at 141.49 IDR, and 3 of the 9 models stay below the price. Data coverage for this calculation is low.
Scenario range: 258.86 IDR (bear) to 358.57 IDR (bull), the price of 234.00 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 38/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Batavia Prosperindo Finance reported revenue of 468B IDR in FY2025 versus 291B IDR in FY2021, a compound +12.6%/yr. Reported net income was 71.0B IDR in FY2025, compounding +11.5%/yr from FY2021.
Key figures
Market cap 626B IDR (≈ $34.8M) Micro · P/E ratio 5.3 · P/S ratio 1.64 · EPS (TTM) 43.75 IDR · Dividend yield 4.2% · Net margin 27.9% · Return on equity 8.6% · Return on assets (EBIT) 4.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (medium confidence).
What moves the price
The share trades about 26% below its 52-week high and 6% 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 43%, BPFI screens cheaper than that median.
Fair Value models
Bear258.86 IDRFair Value 335.67 IDRBull358.57 IDR
Price 234.00 IDR · Upside +43.4%
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 (29.04 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.43/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+13.7%
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.
+19.2%
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.
+5.7%
Start year 2020 (pandemic). Over 10 years: +6.5% a year
Revenue growth 17 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.
+11.8%
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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.
+13.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.1%
Dividend (yield on the price)4.2%
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.9.1% vs 3.7%, 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.15% → 19%
Compare Batavia Prosperindo Finance with another stock
Price, fair value, quality and upside side by side.
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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 · 283 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside+48.5% · Above median
Profitability
Return on equity (12 months)8.6% · Below median
Return on assets2.6% · Below median
Net margin (12 months)27.9% · Above median
Operating margin (12 months)104.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)65.2% · Top 25%
Dividend yield (12 months)4.2% · Above median
Balance sheet
Debt / equity1.29× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Batavia Prosperindo Finance (BPFI) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of 335.67 IDR versus a price of 234.00 IDR, about +43% upside (undervalued).
What is the fair value of BPFI?
Our model-based fair value for Batavia Prosperindo Finance is 335.67 IDR (as of Nov 9, 2026), built from audited fundamentals. The current price: 234.00 IDR.
What is the quality score of BPFI?
Batavia Prosperindo Finance has a Quality Score of 38/100. 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 Batavia Prosperindo Finance (BPFI)?
Our model-based price target is the fair value of 335.67 IDR (as of Nov 9, 2026) from 9 valuation models. Cautious scenario 258.86 IDR, optimistic scenario 358.57 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Batavia Prosperindo Finance stock forecast for 2026?
Our models put fair value at 335.67 IDR, about +43% upside versus a price of 234.00 IDR (undervalued). Cautious scenario 258.86 IDR, optimistic scenario 358.57 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Batavia Prosperindo Finance (BPFI)?
Batavia Prosperindo Finance reported trailing-twelve-month revenue of about 368B IDR (latest available figure, as of Nov 9, 2026).
Does Batavia Prosperindo Finance pay a dividend?
Batavia Prosperindo Finance currently shows a dividend yield of 4.23% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Batavia Prosperindo Finance (BPFI) and when is the ex-dividend date?
Batavia Prosperindo Finance pays a dividend of 9.89 IDR per share a year, a dividend yield of 4.2%. The last ex-dividend date was Jul 3, 2026. The payout ratio is 22.6% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of Batavia Prosperindo Finance (BPFI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Batavia Prosperindo Finance it is 335.67 IDR per share (as of Nov 9, 2026), against a price of 234.00 IDR. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Batavia Prosperindo Finance stock overvalued or undervalued in 2026?
As of Nov 9, 2026, BPFI trades below its calculated fair value: price 234.00 IDR, fair value 335.67 IDR, a gap of about +43% (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 BPFI?
No. The price is what the market pays today (234.00 IDR); the fair value is what the company's own numbers justify (335.67 IDR). For Batavia Prosperindo Finance the two are 101.67 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Batavia Prosperindo Finance worth?
The market values Batavia Prosperindo Finance at about 626B IDR (market capitalisation, as of Nov 9, 2026). Per share that is 234.00 IDR; our models calculate a fair value of 335.67 IDR per share.
What do the bullish and bearish scenarios say about BPFI?
Our models span a range for Batavia Prosperindo Finance: cautious scenario 258.86 IDR, base 335.67 IDR, optimistic 358.57 IDR per share (as of Nov 9, 2026, price 234.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BPFI?
Batavia Prosperindo Finance trades at a price-to-earnings ratio of 5.3 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 335.67 IDR is built from several models across several years. Other multiples: P/B 0.5, P/S 1.6, EV/EBITDA 19.4.
How solid is the balance sheet of Batavia Prosperindo Finance (BPFI)?
Balance-sheet figures for Batavia Prosperindo Finance (as of Nov 9, 2026): return on equity 8.6%, debt of 1.29 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is BPFI from its 52-week high?
Batavia Prosperindo Finance trades at 234.00 IDR, about 26% below its 52-week high of 317.39 IDR and 6% above the low of 220.62 IDR (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of 335.67 IDR is for.
Which stocks are comparable to Batavia Prosperindo Finance?
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 Batavia Prosperindo Finance stock attractive at the current price?
The data as of Nov 9, 2026: price 234.00 IDR, calculated fair value 335.67 IDR (+43%), Quality Score 38/100, from 9 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 BPFI calculated?
We run Batavia Prosperindo Finance through 9 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 335.67 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 13.3% above its aggregate fair value. Batavia Prosperindo Finance currently trades 30% 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 Batavia Prosperindo Finance (BPFI)?
The closing price on Nov 9, 2026 was 234.00 IDR. Our model-based fair value is 335.67 IDR, about +43% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Batavia Prosperindo Finance right now?
The large discount to fair value meets weak quality (38/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (258.86 IDR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Batavia Prosperindo Finance (BPFI) come from?
Earnings per share at Batavia Prosperindo Finance grew +5.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.0 %, EBIT margin +1.7 %, tax rate +0.7 %, residual (interest, one-offs) +0.0 %. 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 Batavia Prosperindo Finance
How large is the market capitalisation of Batavia Prosperindo Finance (BPFI)?
The market capitalisation of Batavia Prosperindo Finance is 626B IDR (≈ $34.8M). 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 Batavia Prosperindo Finance (BPFI)?
The price-to-sales ratio of Batavia Prosperindo Finance is 1.64 (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 Batavia Prosperindo Finance (BPFI)?
Earnings per share at Batavia Prosperindo Finance are 43.75 IDR (price ÷ EPS = P/E 5.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Batavia Prosperindo Finance (BPFI)?
The dividend yield of Batavia Prosperindo Finance is 4.2% (payout 22.6%). 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 Batavia Prosperindo Finance (BPFI)?
The net margin of Batavia Prosperindo Finance is 27.9% (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 Batavia Prosperindo Finance (BPFI)?
The return on equity (ROE) of Batavia Prosperindo Finance is 8.6% (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 Batavia Prosperindo Finance (BPFI)?
On an EBIT basis the return on assets of Batavia Prosperindo Finance is 4.8% (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 Batavia Prosperindo Finance (BPFI)?
The operating margin of Batavia Prosperindo Finance is 104% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Batavia Prosperindo Finance (BPFI)?
Revenue at Batavia Prosperindo Finance is growing +65.2% versus a year earlier (3y avg +19.2%). 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 Batavia Prosperindo Finance (BPFI)?
Earnings per share at Batavia Prosperindo Finance are growing +128% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Batavia Prosperindo Finance (BPFI) generate?
The free cash flow of Batavia Prosperindo Finance is −617B 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 Batavia Prosperindo Finance (BPFI) carry?
The net debt of Batavia Prosperindo Finance is 1.5T 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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Thin data
Nov 9, 2026