Radana Bhaskara Finance Tbk

hdfa

Overview

HDFA Overview

PT Radana Bhaskara Finance Tbk is an Indonesia-based financing company in the consumer financing sector, such as motorcycles and multipurpose financing. The Company focuses on offering Asset Based Finance (ABF) and Factoring with two types of financing that customers can choose, namely conventional and sharia. ABF offers financing facility for the purchase of selective productive assets, such as heavy equipment and commercial vehicles as the main collateral, which is provided to meet investment/working capital needs of Debtor. Its segments include mining and excavation; wholesale and manufacture; information and communication; construction; investment; transportation and warehousing; processing industry; real estate; rental and business lease activities, agriculture; procurement of electricity, gas, steam/hot water and cold air, and others. The Company operates one branch office located in Depok.

2468ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: HDFA

Main
Market Cap.
IDR 641.16Billion

~$40.43M USD

Industry
Consumer Financing
Sub-Industry
Consumer Financing
Sector
Financials

Valuation

HDFA Valuation Metrics

98

IDR

Closing Price on 2024-04-05

Price to Equity

23.75

P/E

At 23.75x P/E TTM, HDFA.JK is trading at a premium to its peers in the Financing Service sector (avg 11.8x).

Price to Book

0.94

P/B

At 0.94x P/B TTM, HDFA.JK is trading in line with its peers in the Financing Service sector.

Price to Sales

5.48

P/S

At 5.48x P/S TTM, HDFA.JK is trading at a premium to its peers in the Financing Service sector (avg 3.9x).

Valuing Radana Bhaskara Finance Tbk based on its trailing twelve months (TTM) valuation metrics against its peers in the Financing Service sector

Historical Price to Earnings

Other Valuation Metrics

Valuing Radana Bhaskara Finance Tbk relative to other stocks in the Financing Service sector

Price/Cash Flow
-0.94x
Price/Forward Earnings
-
Enterprise Value/Revenue
-
Enterprise Value/EBITDA
-
PEG Ratio
-0.27x

Analyst Ratings

No analyst ratings available yet.

Last closing: IDR982024-04-05
IDR 0.75

Considerably Lower Intrinsic Value: Analyst's intrinsic value is of HDFA is IDR1, which is 98% lower than HDFA's last closing price of IDR98 (as of 2024-04-05).

Valuation Recap of HDFA stock
WeightNotesScore
High
The P/E ratio is calculated by dividing the market price of a company's stock by its earnings per share (EPS). It is a key tool for investors and analysts to assess whether a stock is overvalued, undervalued, or fairly valued. A P/E ratio of 23.75x is above the ID market average of 8.22x and is trading at a premium to peers in the Financing Service sector (11.80x). In fact, less than 25% of its peers trade at a higher P/E ratio than HDFA.
Max 3
High
The P/B ratio is calculated by dividing the market price of a company's stock by its book value per share (BVPS). It measures the company's stock value relative to its assets minus liabilities. A P/B ratio of 0.94x is similar to the peers average of 1.03x in the Financing Service sector.
Max 3
Medium
The P/S ratio is calculated by dividing the market price of a company's stock by its sales per share. It measures the company's stock value relative to its sales. A P/S ratio of 5.48x is above the peers average of 3.91x in the Financing Service sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of HDFA's valuation relative to its current sales and future earnings growth.
Max 2
Low
The Price/Cash Flow ratio (P/CF) is calculated by dividing the market price of a company's stock by its cash flow per share. It measures the company's stock value relative to its cash flow, and is sometimes said to be a more objective measure of a company's value because cash flows cannot be manipulated as easily as earnings, which considers non-cash items such as depreciation and amortization. HDFA's P/CF ratio of -0.94x is considered healthy by analysts.●●
Max 2
Medium
Considerably Lower Intrinsic Value: Analyst's intrinsic value is of HDFA is IDR 0.75, which is 98% lower than HDFA's last closing price of IDR 98.00.
Max 3

Peers

HDFA Peers and Comparison

Peer Companies

Supertype Fuzzy Search
SymbolCompany Name
Market Cap
(in Trillion IDR)
Total Assets
(in Trillion IDR)
Total Revenue
(in Trillion IDR)
Profit and Loss
(in Trillion IDR)
P/E
P/B
BBCAPT Bank Central Asia Tbk.1,211.18T1,381.45T 98.47T 48.20T 25.135.14
BBRIPT Bank Rakyat Indonesia (Persero) Tbk851.97T1,851.96T 175.51T 56.01T 15.212.78
BMRIPT Bank Mandiri (Persero) Tbk637.00T2,007.16T 135.73T 49.58T 12.852.62
BBNIPT Bank Negara Indonesia (Persero) Tbk197.25T1,086.66T 61.51T 20.91T 9.431.31
BRISPT Bank Syariah Indonesia Tbk124.55T319.85T 19.34T 5.26T 23.703.35
SMMAPT Sinar Mas Multiartha Tbk92.97T106.59T 28.35T 1.10T 84.384.30
DNETPT Indoritel Makmur Internasional Tbk.64.54T20.17T 1.41T 0.95T 68.095.07
MEGABank Mega Tbk60.47T132.12T 7.81T 3.51T 17.222.78
BNGAPT Bank CIMB Niaga Tbk52.37T329.13T 18.53T 6.10T 8.581.11
BFINBFI Finance Indonesia Tbk18.80T24.17T 6.09T 1.67T 11.242.00
Competitiveness Recap of HDFA stock
WeightNotesScore
High
At a market cap of IDR 641.16 billion, HDFA.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.
Max 2
High
At a PE of 23.75, HDFA.JK ranks 4 out of 10 companies in the Financials sector for P/E value. The average PE is 28.83 (unadjusted). A high P/E ratio often indicates higher growth expectation, or other qualitative factors that led investors to believe that the company has a defensible competitive advantage compared to its peers in Financials. In this regard, it trails behind sector leaders such as PT Sinar Mas Multiartha Tbk (84.38) in the Financials sector.
Max 2
Medium
At a PE of 23.75, HDFA.JK is trading at a higher PE than that of its subsector peers in Financing Service (median of 11.80). false●●
Max 2
Medium
At a revenue of IDR 0.12 trillion, HDFA.JK ranks 10 in Revenue out of 10 companies in the Financials sector.
Max 2
Medium
At a profit of IDR 0.03 trillion, HDFA.JK ranks 10 in Profit out of 10 companies in the Financials sector.
Max 2

Future

Future Growth of HDFA

Growth Forecasts

No data available

Sector Benchmark

Financing Service companies in Indonesia are shrinking at a projected rate of -1.64% against the IDX average of +12.0%.

Financing Service sector overview
No data is available for HDFA at the moment.
Future growth prospect of HDFA
WeightNotesScore
High
HDFA's projected growth rate of -1.64% is below the ID market average of 11.98%.●●●
Max 3
High
The Financing Service sub-sector is projected to grow revenue by 16.51% in 2024. This number is higher than the previous year 2023's growth rate of 0.08%. This bodes well for HDFA's revenue growth prospects in the next 2 years. ●●
Max 3
Medium
The Financing Service sub-sector is projected to decrease earnings by -5.76% in 2024. This number is higher than the previous year 2023's EPS growth of -21.42%. false
Max 3
Medium
HDFA and its peers in the Financing Service sub-sector belongs to the Financials sector. Companies in the Financials sector are projected to have a fruitful year heading into 2024. Specifically, earnings are projected to increase by 75.53% in 2024 while revenue growth is projected to increase by 32.25%. These macroeconomic trends will likely be a tailwind for HDFA's earnings growth prospects in the next 2 years. ●●●
Max 3
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Management

Executive Management

President Director

Budi Tjahja Halim15.2 years
Rizalsyah Riezky
Director
Josephin Regina Dameria Sambajon
Director
NamePositionShares%
No data is available for HDFA at the moment.
Expressed in millions IDR, unless otherwise stated

Ownership

HDFA Ownership

Others
1.52%
Insiders
94.98%
Institutions
3.5%
NameNumber of SharesOwnership (%)Value
Rubicon Investments Holding Pte. Ltd3,613,117,33755.23354.09B
Tiara Marga Trakindo2,430,707,29337.15238.21B
Public (Scripless)498,621,1537.6248.86B
No data is available for HDFA at the moment.