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PT. Clipan Finance Indonesia Tbk

PT. Clipan Finance Indonesia Tbk

CFIN.JK
PT. Clipan Finance Indonesia TbkID flagIndonesia Stock Exchange
326.00
IDR
+2.00
- -
1.30TMarket Cap
PT. Clipan Finance Indonesia Tbk
CFIN.JK
(Indonesia Stock Exchange)

Recent

price

326.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
134.74
234.07
221.51
242.67
264.17
266.51
247.83
327.24
456.03
504.23
429.66
324.53
328.9
391.27
401.96
356.79
376.74
Revenue per Share
77.1
97.14
88.13
101.43
103.92
71.87
51.54
59.3
76.58
90.75
11.69
11.62
77.98
204.54
53.91
53.26
41.94
Basic EPS, GAAP
-5.84
-7.4
-5.74
-6.08
-8.06
-3.69
-10.02
-12.87
-9.43
-13.97
-5.78
-5.68
-8.6
-8.6
-8.9
-4.18
-3.22
Free Cash Flow per Basic Share
14.99
13.72
14.99
18
- -
- -
- -
- -
- -
- -
- -
- -
- -
100
- -
49.98
- -
Dividend per Share
512.33
655.14
566.7
650.49
759.51
801.02
853.18
913.18
990.52
1,084.44
1,093.45
1,106.08
1,184.1
1,289.47
1,345.34
1,349.06
1,315.72
Book Value per Share
568.97
764.35
649.01
732.64
851.11
903.23
950.94
1,007.14
1,086.77
1,176.36
1,187.03
1,202.29
1,278.8
1,383.63
1,443.89
1,449.49
1,414.4
Tangible Book Value per Share
2,603
2,844
3,775
3,775
3,825
3,985
3,985
3,985
3,985
3,985
3,985
3,985
3,985
3,985
3,985
3,985
3,985
Basic Weighted Avg Shares
350,769
665,712
836,169
916,044
1,010,495
1,061,899
987,473
1,303,881
1,817,060
2,009,117
1,711,969
1,293,084
1,310,516
1,559,006
1,601,613
1,421,631
1,501,125
Sales/Revenue/Turnover
79.04
59.19
57.91
60.14
56.11
52.28
50.02
48.56
46.57
47.36
45.03
47.9
53.37
54.79
51.17
51.99
51.68
Operating Margin (%)
2,765
8,972
10,571
13,590
15,788
14,816
12,341
23,007
27,474
28,189
41,724
42,965
42,211
44,224
49,801
54,874
55,775
Depreciation Expense
200,711
276,257
332,688
382,884
397,519
286,349
205,362
236,275
305,138
361,596
46,567
46,306
310,722
815,005
214,801
212,216
167,121
Net Income, GAAP
24.29
24.47
23.85
24.44
24.51
26.53
25.57
29.25
25.99
25.7
23.07
- -
22.22
21.26
21.52
21.51
21.72
Effective Tax Rate (%)
57.22
41.5
39.79
41.8
39.34
26.97
20.8
18.12
16.79
18
2.72
3.58
23.71
52.28
13.41
14.93
11.13
Profit Margin (%)
513,456
4,616,731
4,695,210
5,861,129
5,733,007
6,063,990
5,862,318
7,854,085
10,114,254
11,103,693
9,442,930
5,951,996
2,492,315
3,114,114
3,915,215
3,841,472
3,969,055
Working Capital
1,089,564
2,485,574
2,289,491
3,146,304
2,564,749
2,608,858
2,232,189
3,961,830
5,933,439
6,568,252
5,078,503
1,692,300
2,331,506
3,564,505
4,033,661
3,460,738
3,885,279
LT Debt
1,481,196
2,173,827
2,449,892
2,765,556
3,255,679
3,598,928
3,798,931
4,029,531
4,347,125
4,705,682
4,745,190
4,806,120
5,111,083
5,526,758
5,764,884
5,786,011
5,646,185
Total Equity
9.73
8.18
7.83
7.61
6.79
6.38
5.74
5.67
6.3
6.44
5.43
- -
7.59
7.85
6.66
6.12
6.2
Return on Invested Capital (%)
10.12
8.16
7.58
7.41
10.68
9.08
7.22
3.88
3.26
3.36
0.43
- -
4.58
11.61
4.2
2.32
3.64
Return on Capital (%)
16.07
17.28
16.62
16.67
14.83
9.39
6.23
6.71
8.05
8.75
1.07
1.06
6.81
16.54
4.09
3.95
3.18
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
60,111
40,875
80,459
LT Borrowings
4,016,211
3,927,079
3,871,954
LT Finance Leases
17,449
14,625
13,325
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,985
3,985
3,985
Market Capitalization
1,227,232
1,203,325
1,243,170

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
4,118,870
4,182,710
4,219,469
Cash, Cash Equivalents & STI
27,781
32,171
46,691
Accounts Receivable, Net
4,050,110
3,791,296
3,818,340
Inventories
- -
- -
- -
Total Current Liabilities
203,654
167,276
250,414
Payables & Accruals
- -
- -
- -
ST Debt
60,111
40,875
80,459
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.9%
4.09%
0.37%
Free Cash Flow
16.32%
0.02%
-52.97%
Net Income, GAAP
60.52%
131.58%
-1.2%
Sales/Revenue/Turnover
4.75%
-2.53%
-11.24%
Total Cash Common Dividend
- -
- -
-50.02%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
418,247
401,247
391,202
390,917
1,601,613
2025
368,630
350,375
349,554
- -
1,421,631
2026
356,756
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21.61
- -
- -
- -
53.91
2025
8.79
- -
- -
- -
53.26
2026
14.89
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
49.98
2026
- -
- -
- -
- -
- -
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Business
PT. Clipan Finance Indonesia Tbk is an Indonesia-based financial institution specializing in providing diverse financing services. Founded in 1982 and headquartered in Jakarta, the company operates primarily in the financial services sector, offering products through four main segments: factoring, sale and leaseback, finance lease, and consumer financing. Its core offerings include investment financing, working capital financing, multipurpose financing, and operational leasing. Specifically, the company provides new and used car financing, fleet financing, cash fund financing, and heavy equipment financing, catering to both individual consumers and business entities across Indonesia. PT. Clipan Finance Indonesia Tbk is a subsidiary of PT Bank Pan Indonesia Tbk. In the past 1-2 years, the company has focused on strategic initiatives to optimize its operations and financial performance amid challenging market conditions. It has reinforced collaboration programs with its parent company Bank Panin, including joint credit schemes such as the Kredit Pemilikan Mobil (KPM) Panin program. It has also worked on enhancing credit acquisition processes and deepening penetration into product refinancing markets. Despite a decline in auto sales affecting its financing portfolio, the company continues to pursue growth through enhanced partnership programs and operational efficiency improvements. The company reported a strategic emphasis on maintaining and optimizing its financing products and credit recovery processes to sustain profitability in a difficult economic environment. PT. Clipan Finance Indonesia Tbk operates broadly in Indonesia, serving individuals and corporate clients with financing products tailored to vehicle purchases, equipment leasing, and working capital needs, reflecting its position as a multifaceted finance institution in the Indonesian market. It employs over 2,500 employees and maintains a strong presence supported by its affiliation with one of Indonesia's major banking groups, PT Bank Pan Indonesia Tbk. The company remains focused on expanding its product offerings and refining services to adapt to changing market conditions and customer requirements.