Radana Bhaskara Finance Tbk (HDFA) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Radana Bhaskara Finance Tbk IDR 50, price IDR 102, upside -51.0%, quality 41 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 78.00 IDR – 292.00 IDR · fair‑value band 32.98 IDR – 49.97 IDR · the 102.00 IDR price screens above the 49.97 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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PT Radana Bhaskara Finance Tbk engages in financing activities in Indonesia. The company offers investment financing, working capital financing, multipurpose financing, sharia financing, factoring financing, asset-based financing, selling and buying financing, services financing, and other financing services, as well as business capital facilities.
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PT Radana Bhaskara Finance Tbk engages in financing activities in Indonesia. The company offers investment financing, working capital financing, multipurpose financing, sharia financing, factoring financing, asset-based financing, selling and buying financing, services financing, and other financing services, as well as business capital facilities. The company was formerly known as PT HD Finance Tbk and changed its name to PT Radana Bhaskara Finance Tbk in June 2014. PT Radana Bhaskara Finance Tbk was incorporated in 1972 and is headquartered in Jakarta, Indonesia. PT Radana Bhaskara Finance Tbk is a subsidiary of Rubicon Investments Holding Pte. Ltd.
Stock analysis
Radana Bhaskara Finance Tbk (HDFA) currently trades at 102.00 IDR, while our model-based Fair Value estimate is 49.97 IDR, implying the stock looks roughly 104.1% overvalued today.
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Valuation
How firm this estimate is: it rests on 6 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: 32.98 IDR (bear) to 49.97 IDR (bull), the price of 102.00 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 41/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Radana Bhaskara Finance Tbk reported revenue of 418B IDR in FY2025 versus 158B IDR in FY2021, a compound +27.6%/yr. Reported net income was −81.6B IDR in FY2025.
Key figures
Market cap 667B IDR (≈ $37.3M) · P/S ratio 9.58 · EPS (TTM) −12.76 IDR · Net margin −19.5% · Return on equity −15.6% · Return on assets (EBIT) 2.6% · Operating margin 6.6% · Revenue growth (YoY) +45.5%.
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 47% below its 52-week high and 31% 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 −51%, HDFA screens richer than that median.
Fair Value models
Bear 32.98 IDRFair Value 49.97 IDRBull 49.97 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.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.44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+15.2%
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.
+27.8%
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.
+30.8%
Start year 2020 (pandemic). Over 10 years: −4.6% a year
Revenue growth 16 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.
+7.9%
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Profit margin (trend) ⓘ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.
−116.8% (2020) → 43.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Radana Bhaskara Finance Tbk 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 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score42 · Below median
Fair Value upside−51% · Bottom 25%
Profitability
Return on assets−3% · Bottom 25%
Net margin (TTM)−140% · Bottom 25%
Operating margin (TTM)7% · Bottom 25%
Growth and dividend
Revenue growth46% · Top 25%
Balance sheet
Debt / equity5.75× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
EV/EBITDA14.4× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 49
FUTURE (revenue growth)100· sector 36
PAST (return on equity)0· sector 32
HEALTH (low debt)0· sector 59
DIVIDEND (yield)0· sector 68
VALUE 0: the price sits above our fair-value range.
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.
Is Radana Bhaskara Finance Tbk (HDFA) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 49.97 IDR versus a price of 102.00 IDR, about −51% upside (overvalued).
What is the fair value of HDFA?
Our model-based fair value for Radana Bhaskara Finance Tbk is 49.97 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 102.00 IDR.
What is the quality score of HDFA?
Radana Bhaskara Finance Tbk has a Quality Score of 41/100. 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 Radana Bhaskara Finance Tbk (HDFA)?
Our model-based price target is the fair value of 49.97 IDR (as of Sep 24, 2026) from 2 valuation models. Cautious scenario 32.98 IDR, optimistic scenario 49.97 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Radana Bhaskara Finance Tbk stock forecast for 2026?
Our models put fair value at 49.97 IDR, about −51% upside versus a price of 102.00 IDR (overvalued). Cautious scenario 32.98 IDR, optimistic scenario 49.97 IDR. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Radana Bhaskara Finance Tbk (HDFA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Radana Bhaskara Finance Tbk it is 49.97 IDR per share (as of Sep 24, 2026), against a price of 102.00 IDR. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Radana Bhaskara Finance Tbk stock overvalued or undervalued in 2026?
As of Sep 24, 2026, HDFA trades above its calculated fair value: price 102.00 IDR, fair value 49.97 IDR, a gap of about −51% (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 HDFA?
No. The price is what the market pays today (102.00 IDR); the fair value is what the company's own numbers justify (49.97 IDR). For Radana Bhaskara Finance Tbk the two are 52.03 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Radana Bhaskara Finance Tbk worth?
The market values Radana Bhaskara Finance Tbk at about 667B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 102.00 IDR; our models calculate a fair value of 49.97 IDR per share.
What do the bullish and bearish scenarios say about HDFA?
Our models span a range for Radana Bhaskara Finance Tbk: cautious scenario 32.98 IDR, base 49.97 IDR, optimistic 49.97 IDR per share (as of Sep 24, 2026, price 102.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Radana Bhaskara Finance Tbk (HDFA)?
Balance-sheet figures for Radana Bhaskara Finance Tbk (as of Sep 24, 2026): return on equity −15.6%, debt of 5.75 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is HDFA from its 52-week high?
Radana Bhaskara Finance Tbk trades at 102.00 IDR, about 47% below its 52-week high of 193.00 IDR and 31% above the low of 78.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 49.97 IDR is for.
Which stocks are comparable to Radana Bhaskara 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 Radana Bhaskara Finance Tbk stock attractive at the current price?
The data as of Sep 24, 2026: price 102.00 IDR, calculated fair value 49.97 IDR (−51%), Quality Score 41/100, from 2 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 HDFA calculated?
We run Radana Bhaskara Finance Tbk through 2 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 49.97 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. Radana Bhaskara 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 Radana Bhaskara Finance Tbk (HDFA)?
The closing price on Sep 24, 2026 was 102.00 IDR. Our model-based fair value is 49.97 IDR, about −51% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Radana Bhaskara Finance Tbk right now?
The price sits above even our optimistic bull case (49.97 IDR). The favourable scenario is already priced in. Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts. 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.
Key figures of Radana Bhaskara Finance Tbk
How large is the market capitalisation of Radana Bhaskara Finance Tbk (HDFA)?
The market capitalisation of Radana Bhaskara Finance Tbk is 667B IDR (≈ $37.3M). 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 Radana Bhaskara Finance Tbk (HDFA)?
The price-to-sales ratio of Radana Bhaskara Finance Tbk is 9.58 (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 Radana Bhaskara Finance Tbk (HDFA)?
Earnings per share at Radana Bhaskara Finance Tbk are −12.76 IDR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Radana Bhaskara Finance Tbk (HDFA)?
The net margin of Radana Bhaskara Finance Tbk is −19.5% (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 Radana Bhaskara Finance Tbk (HDFA)?
The return on equity (ROE) of Radana Bhaskara Finance Tbk is −15.6% (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 Radana Bhaskara Finance Tbk (HDFA)?
On an EBIT basis the return on assets of Radana Bhaskara Finance Tbk is 2.6% (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 Radana Bhaskara Finance Tbk (HDFA)?
The operating margin of Radana Bhaskara Finance Tbk is 6.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Radana Bhaskara Finance Tbk (HDFA)?
Revenue at Radana Bhaskara Finance Tbk is growing +45.5% versus a year earlier (3y avg +27.8%). 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 Radana Bhaskara Finance Tbk (HDFA)?
Earnings per share at Radana Bhaskara Finance Tbk are growing −52.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Radana Bhaskara Finance Tbk (HDFA) generate?
The free cash flow of Radana Bhaskara Finance Tbk is −256B 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 Radana Bhaskara Finance Tbk (HDFA) carry?
The net debt of Radana Bhaskara Finance Tbk is 2.7T 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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