Clipan Finance Indonesia Tbk (CFIN) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Clipan Finance Indonesia Tbk IDR 728, price IDR 362, upside +101.1%, quality 65 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 143.36 IDR – 534.89 IDR · fair‑value band 433.19 IDR – 903.12 IDR · the 362.00 IDR price screens below the 728.00 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. Clipan Finance Indonesia Tbk operates as a financing institution in Indonesia. The operates through four segments: Factoring; Sale and Leaseback; Finance Lease; and Consumer Financing. The company offers investment financing, working capital financing, multipurpose financing, operational leasing, and other financing services.
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PT. Clipan Finance Indonesia Tbk operates as a financing institution in Indonesia. The operates through four segments: Factoring; Sale and Leaseback; Finance Lease; and Consumer Financing. The company offers investment financing, working capital financing, multipurpose financing, operational leasing, and other financing services. It also provides new and used car financing, fleet financing, cash fund financing, and heavy equipment financing. The company was founded in 1982 and is headquartered in Jakarta, Indonesia. PT. Clipan Finance Indonesia Tbk is a subsidiary of PT Bank Pan Indonesia Tbk.
Stock analysis
Clipan Finance Indonesia Tbk (CFIN) currently trades at 362.00 IDR, while our model-based Fair Value estimate is 728.00 IDR, implying the stock looks roughly 50.3% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 972.92 IDR per share, and 11 of the 11 models we run sit above the 362.00 IDR price.
Bear case: the Earnings-Based group reads lowest at 435.67 IDR, and 0 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: 433.19 IDR (bear) to 903.12 IDR (bull), the price of 362.00 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 65/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Clipan Finance Indonesia Tbk reported revenue of 1.4T IDR in FY2025 versus 1.3T IDR in FY2021, a compound +2.9%/yr. Reported net income was 212B IDR in FY2025, compounding +46.3%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 1.4T IDR (≈ $80.6M) · P/E ratio 6.1 · P/S ratio 0.89 · EPS (TTM) 59.36 IDR · Net margin 14.6% · Return on equity 4.1% · Return on assets (EBIT) 7.9% · Operating margin 38.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 101%, CFIN screens cheaper than that median.
Fair Value models
Bear 433.19 IDRFair Value 728.00 IDRBull 903.12 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 (43.58 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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−9.5%
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.
+3.4%
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.
−3.3%
Start year 2020 (pandemic). Over 10 years: +3.2% a year
Revenue growth 23 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.
+17.5%
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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.
+35.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+35.4%
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.35% vs −3%, 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.45% → 36%
Compare Clipan Finance Indonesia Tbk with another stock
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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 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score65 · Top 25%
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)4% · Below median
Return on assets2% · Above median
Net margin (TTM)37% · Above median
Operating margin (TTM)39% · Above median
Growth and dividend
Revenue growth34% · Top 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.60× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Clipan Finance Indonesia Tbk Fair Value". https://www.fairvalue-calculator.com/stock/CFIN
Frequently asked questions
Is Clipan Finance Indonesia Tbk (CFIN) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 728.00 IDR versus a price of 362.00 IDR, about +101% upside (undervalued).
What is the fair value of CFIN?
Our model-based fair value for Clipan Finance Indonesia Tbk is 728.00 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 362.00 IDR.
What is the quality score of CFIN?
Clipan Finance Indonesia Tbk has a Quality Score of 65/100. 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 Clipan Finance Indonesia Tbk (CFIN)?
Our model-based price target is the fair value of 728.00 IDR (as of Sep 24, 2026) from 11 valuation models. Cautious scenario 433.19 IDR, optimistic scenario 903.12 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Clipan Finance Indonesia Tbk stock forecast for 2026?
Our models put fair value at 728.00 IDR, about +101% upside versus a price of 362.00 IDR (undervalued). Cautious scenario 433.19 IDR, optimistic scenario 903.12 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Clipan Finance Indonesia Tbk (CFIN)?
Clipan Finance Indonesia Tbk reported trailing-twelve-month revenue of about 639B IDR (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Clipan Finance Indonesia Tbk (CFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Clipan Finance Indonesia Tbk it is 728.00 IDR per share (as of Sep 24, 2026), against a price of 362.00 IDR. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Clipan Finance Indonesia Tbk stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CFIN trades below its calculated fair value: price 362.00 IDR, fair value 728.00 IDR, a gap of about +101% (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 CFIN?
No. The price is what the market pays today (362.00 IDR); the fair value is what the company's own numbers justify (728.00 IDR). For Clipan Finance Indonesia Tbk the two are 366.00 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Clipan Finance Indonesia Tbk worth?
The market values Clipan Finance Indonesia Tbk at about 1.4T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 362.00 IDR; our models calculate a fair value of 728.00 IDR per share.
What do the bullish and bearish scenarios say about CFIN?
Our models span a range for Clipan Finance Indonesia Tbk: cautious scenario 433.19 IDR, base 728.00 IDR, optimistic 903.12 IDR per share (as of Sep 24, 2026, price 362.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CFIN?
Clipan Finance Indonesia Tbk trades at a price-to-earnings ratio of 6.1 (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 728.00 IDR is built from several models across several years. Other multiples: PEG 0.4, P/B 0.3, P/S 2.3, EV/EBITDA 8.0.
What is the PEG ratio of CFIN?
The PEG ratio of Clipan Finance Indonesia Tbk is 0.39 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Clipan Finance Indonesia Tbk (CFIN)?
Balance-sheet figures for Clipan Finance Indonesia Tbk (as of Sep 24, 2026): return on equity 4.1%, debt of 0.60 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is CFIN from its 52-week high?
Clipan Finance Indonesia Tbk trades at 362.00 IDR, about 4% below its 52-week high of 378.00 IDR and 38% above the low of 262.05 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 728.00 IDR is for.
Which stocks are comparable to Clipan Finance Indonesia 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 Clipan Finance Indonesia Tbk stock attractive at the current price?
The data as of Sep 24, 2026: price 362.00 IDR, calculated fair value 728.00 IDR (+101%), Quality Score 65/100, from 11 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 CFIN calculated?
We run Clipan Finance Indonesia Tbk through 11 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 728.00 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. Clipan Finance Indonesia Tbk currently trades 101 % 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 Clipan Finance Indonesia Tbk (CFIN)?
The closing price on Sep 24, 2026 was 362.00 IDR. Our model-based fair value is 728.00 IDR, about +101% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Clipan Finance Indonesia Tbk right now?
The price is below even our cautious bear case (433.19 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. Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (433.19 IDR to 903.12 IDR) leaves room in how you read the outcome.
Where does the earnings growth of Clipan Finance Indonesia Tbk (CFIN) come from?
Earnings per share at Clipan Finance Indonesia Tbk grew +3.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.5 %, EBIT margin −1.1 %, tax rate +0.6 %, residual (interest, one-offs) −0.3 %. 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 Clipan Finance Indonesia Tbk
How large is the market capitalisation of Clipan Finance Indonesia Tbk (CFIN)?
The market capitalisation of Clipan Finance Indonesia Tbk is 1.4T IDR (≈ $80.6M). 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 Clipan Finance Indonesia Tbk (CFIN)?
The price-to-sales ratio of Clipan Finance Indonesia Tbk is 0.89 (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 Clipan Finance Indonesia Tbk (CFIN)?
Earnings per share at Clipan Finance Indonesia Tbk are 59.36 IDR (price ÷ EPS = P/E 6.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Clipan Finance Indonesia Tbk (CFIN)?
The net margin of Clipan Finance Indonesia Tbk is 14.6% (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 Clipan Finance Indonesia Tbk (CFIN)?
The return on equity (ROE) of Clipan Finance Indonesia Tbk is 4.1% (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 Clipan Finance Indonesia Tbk (CFIN)?
On an EBIT basis the return on assets of Clipan Finance Indonesia Tbk is 7.9% (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 Clipan Finance Indonesia Tbk (CFIN)?
The operating margin of Clipan Finance Indonesia Tbk is 38.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Clipan Finance Indonesia Tbk (CFIN)?
Revenue at Clipan Finance Indonesia Tbk is growing +34.3% versus a year earlier (3y avg +3.4%). 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 Clipan Finance Indonesia Tbk (CFIN)?
Earnings per share at Clipan Finance Indonesia Tbk are growing +69.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Clipan Finance Indonesia Tbk (CFIN) generate?
The free cash flow of Clipan Finance Indonesia Tbk is 823B 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 Clipan Finance Indonesia Tbk (CFIN) carry?
The net debt of Clipan Finance Indonesia Tbk is 3.5T IDR (fiscal year 2025, ≈ 4.2 yrs of FCF). 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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