PT BFI Finance Indonesia Tbk (PBIIF) Fair Value & Analysis

Financial Services · US · Market cap $1.0B

A solid business, screening 70% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($0.0749). The market is more pessimistic than our downside scenario.
• Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality.
• A fairly wide model range ($0.0749 to $0.1533) leaves room in how you read the outcome.
• 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 (2 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 31, 2026.

How to read this chart

28‑month range $0.0554 – $0.0700 · fair‑value band $0.0749 – $0.1533 · the $0.0700 price screens below the $0.1190 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 31, 2026.

Full chart & analysis →

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Analysis

PT BFI Finance Indonesia Tbk (PBIIF) currently trades at $0.0700, while our model-based Fair Value estimate is $0.1190, implying the stock looks roughly 70.0% undervalued today. The Quality Score stands at 67/100 (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: medium), always confirm before acting.

Over the trailing twelve months, PT BFI Finance Indonesia Tbk generated revenue of $4.4T 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. Fundamentals as of Jul 31, 2026

Our scenario range runs from $0.0749 (bear case) to $0.1533 (bull case); at $0.0700, 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 near its 52-week high and 9% 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 70%, PBIIF 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.

Widest divergence: Multiples ($1,823) versus Asset-Based ($483.93). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

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 $6.6T in FY2025 versus $3.9T in FY2021, a compound +14.6%/yr. Reported net income was $1.6T 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.

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.

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Frequently asked questions

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.