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  2. •

    Finance

  3. •

    Finance/Rental/Leasing
PT Clipan Finance Indonesia Tbk

PT Clipan Finance Indonesia Tbk

IIDX:CFIN
346.00
IDR
+2.00
(+0.58%)
1.28TMarket Cap
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
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
- -
Basic EPS, GAAP
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
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
18
- -
- -
- -
- -
- -
- -
- -
- -
- -
100
- -
49.98
- -
Book Value per Share
732.64
817.08
903.23
953.42
1,011.3
1,091
1,180.99
1,190.91
1,206.2
1,282.73
1,387.06
1,446.82
1,452.12
1,428.11
Tangible Book Value per Share
732.64
817.08
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
1,425.89
Basic Weighted Avg Shares
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
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
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
- -
Depreciation Expense
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
- -
Net Income, GAAP
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
- -
Effective Tax Rate (%)
24.44
24.51
26.53
25.57
29.25
25.99
25.7
23.07
- -
22.22
21.26
21.52
21.51
- -
Profit Margin (%)
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
- -
Working Capital
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
3,454,438
LT Debt
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
3,150,978
Total Equity
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
5,690,332
Return on Invested Capital (%)
6.85
6.28
4.46
3.05
2.84
3.16
3.4
0.57
- -
4.42
9.59
2.29
2.29
- -
Return on Capital (%)
6.99
10.12
8.55
6.77
3.68
3.13
3.24
0.42
- -
4.33
11.09
4.03
2.22
- -
Return on Common Equity (%)
14.68
13.2
8.35
5.55
6.04
7.29
7.99
0.99
0.97
6.27
15.32
3.8
3.67
- -

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
10,159
112,648
1,344
LT Borrowings
3,448,515
3,372,965
3,144,157
LT Finance Leases
12,223
6,835
6,821
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,985
3,985
3,985
Market Capitalization
1,290,985
1,306,923
1,275,047

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
4,022,631
3,848,593
3,788,265
Cash, Cash Equivalents & STI
27,523
48,123
70,124
Accounts Receivable, Net
4,059,152
3,769,676
3,688,033
Inventories
- -
- -
- -
Total Current Liabilities
181,159
265,002
333,827
Payables & Accruals
- -
- -
- -
ST Debt
10,159
112,648
1,344
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

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
- -
- -
- -
Net Income, GAAP
60.52%
131.58%
-1.2%
Sales/Revenue/Turnover
4.75%
-2.53%
-11.24%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

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
327,774
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21.61
10.57
8.14
13.59
53.91
2025
8.79
11.42
- -
19.21
53.26
2026
14.89
10.79
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
49.98
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Harjanto Tjitohardjojo
Full Time Employees
2,211
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Wisma Slipi Jakarta JK Indonesia 11480
IPO Date
Oct 2, 1990
Website
clipan.co.id
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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.