Batavia Prosperindo Finance (BPFI) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Batavia Prosperindo Finance IDR 345, price IDR 246, upside +40.3%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
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 220.62 IDR – 952.19 IDR · fair‑value band 258.86 IDR – 345.15 IDR · the 246.00 IDR price screens below the 345.15 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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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. It offers investment financing, working capital financing, multipurpose financing, operating lease, financing, and service-based activities.
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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. 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 246.00 IDR, while our model-based Fair Value estimate is 345.15 IDR, implying the stock looks roughly 28.7% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 406.93 IDR per share, and 7 of the 7 models we run sit above the 246.00 IDR price.
Bear case: the Earnings-Based group reads lowest at 270.55 IDR, and 0 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: 258.86 IDR (bear) to 345.15 IDR (bull), the price of 246.00 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 37/100 (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 658B IDR (≈ $36.8M) · P/E ratio 6.4 · P/S ratio 0.98 · EPS (TTM) 38.31 IDR · Dividend yield 4.0% · Net margin 15.2% · Return on equity 8.6% · Return on assets (EBIT) 4.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (medium confidence).
What moves the price
The share trades about 24% below its 52-week high and 12% 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 40%, BPFI screens cheaper than that median.
Fair Value models
Bear 258.86 IDRFair Value 345.15 IDRBull 345.15 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 (20.87 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.
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.
+13.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.1%
Dividend (yield on the price)4.0%
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.9% vs 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.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 · 331 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside+40% · Above median
Profitability
Return on equity (TTM)9% · Above median
Return on assets4% · Above median
Net margin (TTM)28% · Above median
Operating margin (TTM)104% · Top 25%
Growth and dividend
Revenue growth65% · Top 25%
Dividend yield (TTM)4.0% · 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 Sep 24, 2026, our model estimates a fair value of 345.15 IDR versus a price of 246.00 IDR, about +40% upside (undervalued).
What is the fair value of BPFI?
Our model-based fair value for Batavia Prosperindo Finance is 345.15 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 246.00 IDR.
What is the quality score of BPFI?
Batavia Prosperindo Finance has a Quality Score of 37/100. 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 345.15 IDR (as of Sep 24, 2026) from 7 valuation models. Cautious scenario 258.86 IDR, optimistic scenario 345.15 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 345.15 IDR, about +40% upside versus a price of 246.00 IDR (undervalued). Cautious scenario 258.86 IDR, optimistic scenario 345.15 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 Sep 24, 2026).
Does Batavia Prosperindo Finance pay a dividend?
Batavia Prosperindo Finance currently shows a dividend yield of about 4.02% relative to its recent price (as of Sep 24, 2026).
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 345.15 IDR per share (as of Sep 24, 2026), against a price of 246.00 IDR. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Batavia Prosperindo Finance stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BPFI trades below its calculated fair value: price 246.00 IDR, fair value 345.15 IDR, a gap of about +40% (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 (246.00 IDR); the fair value is what the company's own numbers justify (345.15 IDR). For Batavia Prosperindo Finance the two are 99.15 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 658B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 246.00 IDR; our models calculate a fair value of 345.15 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 345.15 IDR, optimistic 345.15 IDR per share (as of Sep 24, 2026, price 246.00 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 6.4 (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 345.15 IDR is built from several models across several years. Other multiples: P/B 0.6, P/S 1.8, EV/EBITDA 19.9.
How solid is the balance sheet of Batavia Prosperindo Finance (BPFI)?
Balance-sheet figures for Batavia Prosperindo Finance (as of Sep 24, 2026): return on equity 8.6%, debt of 1.29 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is BPFI from its 52-week high?
Batavia Prosperindo Finance trades at 246.00 IDR, about 24% below its 52-week high of 325.13 IDR and 12% above the low of 220.62 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 345.15 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 Sep 24, 2026: price 246.00 IDR, calculated fair value 345.15 IDR (+40%), Quality Score 37/100, 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 BPFI calculated?
We run Batavia Prosperindo Finance 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 345.15 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 13.0 % above its aggregate fair value. Batavia Prosperindo Finance currently trades 40 % 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 Sep 24, 2026 was 246.00 IDR. Our model-based fair value is 345.15 IDR, about +40% 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 (37/100). 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 658B IDR (≈ $36.8M). 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 0.98 (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 Batavia Prosperindo Finance (BPFI)?
Earnings per share at Batavia Prosperindo Finance are 38.31 IDR (price ÷ EPS = P/E 6.4). 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 4.0% (payout 25.8%). 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 15.2% (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 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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