PT BFI Finance Indonesia Tbk

PT BFI Finance Indonesia Tbk

0.04
EUR
0.00
(0.00%)
497.05MMarket Cap
Oct 28Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
99.14
116.55
138.57
205.54
263.5
328.34
337.64
291.19
257.48
343.26
407.27
404.56
421.15
1,780.64
Basic EPS, GAAP
33.32
38.97
41.72
52.38
79.36
98.09
47.56
46.88
75.6
120.65
109.31
104.05
102.74
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
12.55
32.94
21.72
34
16
49
12
25
38.11
60
55
65.02
140.27
Book Value per Share
220.27
230.14
256.91
284.32
327.73
414.57
406.31
441.46
496.49
582.15
631.61
676.96
717.4
742.06
Tangible Book Value per Share
220.27
228.14
255.49
283
326.36
412.41
404.29
438.58
492.74
572.87
614.65
663.7
707.71
734.18
Basic Weighted Avg Shares
15,266
15,402
15,588
15,243
14,964
14,964
14,964
14,964
14,964
14,975
15,039
15,039
15,396
3,705
Sales/Revenue/Turnover
1,513,549
1,795,104
2,159,993
3,133,087
3,943,167
4,913,370
5,052,594
4,357,472
3,852,959
5,140,275
6,125,068
6,084,290
6,483,984
6,597,843
Operating Margin (%)
53.39
48.89
44.14
38.87
43.49
44.13
41.36
23.02
37.26
43
37.99
35.41
34.65
- -
Depreciation Expense
42,083
55,971
68,493
71,256
74,308
83,981
92,379
124,068
126,721
144,142
193,855
215,365
204,667
- -
Net Income, GAAP
508,619
600,244
650,288
798,365
1,187,510
1,467,794
711,685
701,595
1,131,293
1,806,680
1,643,888
1,564,811
1,581,841
- -
Effective Tax Rate (%)
23.77
20.02
22.17
22.11
20.18
20.23
34.84
19.36
19.82
19.3
18.83
18.79
19.85
- -
Profit Margin (%)
33.6
33.44
30.11
25.48
30.12
29.87
14.09
16.1
29.36
35.15
26.84
25.72
24.4
- -
Working Capital
7,334,089
8,556,322
10,319,198
11,539,798
15,207,115
17,808,832
17,322,583
13,757,253
14,151,245
19,841,007
21,971,566
15,909,702
14,328,032
15,927,006
LT Debt
4,626,147
5,554,605
7,063,262
7,606,234
10,728,463
12,096,080
11,488,304
7,773,475
7,276,905
11,828,398
13,386,635
6,536,721
4,442,099
5,767,536
Total Equity
3,362,612
3,566,953
4,019,103
4,254,684
4,904,266
6,203,796
6,080,180
6,606,154
7,430,226
8,755,909
9,499,796
10,181,665
10,653,291
10,945,261
Return on Invested Capital (%)
8.55
8.43
7.58
8.46
14.4
15.27
6.97
6.7
8.86
9.39
6.7
6.56
7.44
- -
Return on Capital (%)
8.59
8.41
7.49
8.39
9.91
9.44
5.01
5.65
8.94
9.32
6.59
6.45
7.26
- -
Return on Common Equity (%)
16.34
17.32
17.14
19.3
25.93
26.43
11.59
11.06
16.12
22.33
18.01
15.9
15.19
- -

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
9,153,422
8,442,164
7,185,927
LT Borrowings
4,442,099
4,687,351
5,767,536
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14,849
14,749
14,749
Market Capitalization
- -
- -
10,197,193

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
24,352,816
24,161,689
23,998,265
Cash, Cash Equivalents & STI
1,552,212
1,235,810
1,392,586
Accounts Receivable, Net
22,394,470
22,491,518
22,071,143
Inventories
- -
- -
- -
Total Current Liabilities
10,024,784
9,325,054
8,071,259
Payables & Accruals
- -
- -
- -
ST Debt
9,153,422
8,442,164
7,185,927
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.49%
10.12%
4.63%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
15.04%
21.64%
1.09%
Sales/Revenue/Turnover
13.15%
9.38%
6.57%
Total Cash Common Dividend
32.76%
46.33%
21.01%

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,495,948
1,498,527
1,532,773
1,557,042
6,084,290
2025
1,598,642
1,586,234
1,644,993
1,654,115
6,483,984
2026
1,651,625
1,647,110
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
24.03
378,732.28
481,360.03
499,417.98
104.05
2025
26.96
450,730.27
- -
546,482.24
102.74
2026
23.91
656,254.27
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
467,519
55
2025
- -
- -
- -
685,131.59
65.02
2026
- -
- -
- -
- -
- -

Company Description

CEO
Sutadi Tan
Full Time Employees
10,540
Sector
Finance
Industry
Finance/Rental/Leasing
Address
BFI Tower Tangerang Selatan BT Indonesia 15322
IPO Date
May 16, 1990
Website
bfi.co.id
Business
PT BFI Finance Indonesia Tbk (BFIN.JK) operates as a leading multifinance company in Indonesia, providing a comprehensive range of secured and unsecured financing solutions including investment financing, working capital loans, multipurpose consumer financing, sharia-compliant products, finance leases, sales and leaseback arrangements, heavy equipment and machinery financing, property-backed loans (such as house and shophouse financing), new and used car financing via dealers and sales representatives, used motorcycle financing, and financing for trucks, public transportation, and other equipment across sectors like mining, construction, agriculture, manufacturing, trading, services, infrastructure, and transportation. The company serves middle- to lower-income consumers, small businesses, and corporate clients through its Cars, Motorcycles, and Others segments, with operations spanning Java, Kalimantan, Sumatra, Sulawesi, and most regions of Indonesia via over 200 branches. Founded in 1982 as PT Manufacturers Hanover Leasing Indonesia—a joint venture between U.S.-based Manufacturers Hanover Leasing Corporation and local partners—and headquartered in Jakarta, BFI Finance became the first multifinance firm listed on the Indonesia Stock Exchange in 1990; its majority shareholder is the Trinugraha Capital & Co SCA consortium (51.12%), including entities like Bravo Capital Holding and Northstar Group. In recent developments, BFI Finance reported new financing disbursements reaching IDR 14.2 trillion through the first nine months of 2024, a 19.1% quarter-on-quarter increase, with managed receivables at IDR 24.1 trillion (up 5% year-on-year) and net profit of IDR 1.1 trillion on revenue of IDR 4.7 trillion; gross non-performing financing stood at 1.42% and net at 0.27%, supported by a healthy gearing ratio of 1.1. The company executed share buybacks totaling over 21 million shares in 2025, including 13.13 million shares as of September 15 at fluctuating market prices and a prior tranche of 8 million shares on August 29 at IDR 785.9 per share. Additionally, BFI Finance completed a IDR 902.4 billion dividend distribution for fiscal 2024 in the second quarter of 2025, redeemed IDR 385 billion in maturing Sustainable Bonds V Phase IV (Series B) on April 14, 2025, and issued IDR 1 trillion in new Sustainable Bonds VI Phase II Year 2025 to fund working capital across investment, working capital, and multipurpose financing. Since 2018, it has operated a Sharia Business Unit offering used car purchases and multipurpose sharia financing without fines or penalties, alongside digital enhancements like loan management systems and expanded branch networks for rural outreach.