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    Finance

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    Finance/Rental/Leasing
PT KDB Tifa Finance Tbk

PT KDB Tifa Finance Tbk

IIDX:TIFA
324.00
IDR
0.00
(0.00%)
19.60EPS
11.63P/E
809.90BMarket Cap
PT KDB Tifa Finance Tbk
IDX:TIFA
(Indonesia Stock Exchange)

Recent

price

324.00

P/E

ratio

11.63

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
- -
59.24
59.75
62.45
70.12
77.17
69.5
41.65
51.9
42.4
46.56
50.04
48.47
48.13
Revenue per Share
- -
13.14
7.26
6.37
8.33
10.08
11.96
6.65
14.81
16.02
16.86
18.31
18.67
19.6
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
145.81
-114.28
-57.75
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
3.52
3.91
2.74
2.35
2.35
2.74
- -
- -
- -
- -
- -
18
- -
Dividend per Share
94.45
104.1
107.27
111.26
117.24
125.1
134.23
132.24
290.82
306.89
323.68
342.18
342.99
345.56
Book Value per Share
94.45
104.1
107.27
111.26
117.24
125.1
134.23
132.24
290.82
306.89
323.68
342.18
342.99
345.56
Tangible Book Value per Share
2,762
2,762
2,762
2,762
2,762
2,762
2,762
2,239
1,805
3,552
3,552
3,552
3,552
3,552
Basic Weighted Avg Shares
- -
163,597
165,021
172,475
193,643
213,108
191,948
93,242
93,659
150,623
165,379
177,759
172,184
170,967
Sales/Revenue/Turnover
- -
39.05
36.34
29.53
32.69
35.26
38.27
65.7
- -
59.7
50.49
47.21
44.53
40.74
Operating Margin (%)
- -
5,504
4,773
3,119
2,181
1,706
1,613
4,479
6,681
6,220
5,673
6,624
5,749
5,759
Depreciation Expense
- -
36,299
20,062
17,597
23,010
27,837
33,034
14,885
26,732
56,904
59,896
65,049
66,306
69,627
Net Income, GAAP
- -
23.8
28.86
27.16
25.44
24.9
24.54
39.28
18.02
21.57
19.97
19.64
14.51
13.2
Effective Tax Rate (%)
- -
22.19
12.16
10.2
11.88
13.06
17.21
15.96
28.54
37.78
36.22
36.59
38.51
40.73
Profit Margin (%)
116,383
453,672
749,711
567,960
861,985
32,714
175,556
209,907
- -
891,477
1,009,287
937,602
1,060,291
1,264,952
Working Capital
- -
270,208
523,123
620,095
895,932
- -
- -
671,622
295,282
5,530
4,465
58,692
294,605
278,839
LT Debt
260,831
287,492
296,243
307,270
323,772
345,488
370,710
365,196
1,033,061
1,090,124
1,149,792
1,215,512
1,218,357
1,227,505
Total Equity
- -
3.69
2.58
2.2
2.67
2.88
3.75
2.91
- -
4
3.53
3.37
3.18
3.92
Return on Invested Capital (%)
- -
3.7
2.53
2.19
2.61
3.1
3.84
1.49
1.8
4.43
4.93
3.47
3.34
3.9
Return on Capital (%)
- -
13.24
6.87
5.83
7.29
8.32
9.22
4.05
3.82
5.36
5.35
5.5
5.45
5.8
Return on Common Equity (%)

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
438,846
222,396
408,473
LT Borrowings
294,605
268,256
259,398
LT Finance Leases
- -
- -
19,441
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,552
3,552
3,552
Market Capitalization
1,690,853
1,179,335
809,905

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
1,583,722
1,607,777
1,733,628
Cash, Cash Equivalents & STI
12,357
45,850
79,761
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
523,430
314,537
468,676
Payables & Accruals
- -
- -
- -
ST Debt
438,846
222,396
408,473
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
22.14%
39.96%
0.23%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
21.14%
41.65%
1.93%
Sales/Revenue/Turnover
4.09%
15.08%
-3.14%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
43,683
43,683
44,694
45,698
177,759
2025
42,965
42,907
42,419
43,894
172,184
2026
41,866
42,788
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.01
4.86
5.02
4.43
18.31
2025
2.48
3.16
6.6
6.42
18.67
2026
1.24
5.34
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
18
2026
- -
- -
- -
- -
- -
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Business
PT KDB Tifa Finance Tbk is an Indonesia-based finance company primarily engaged in investment financing, working capital financing, and multipurpose financing. It operates through four main business segments: Finance Lease, Multipurpose Financing, Sharia Financing, and Treasury. The company’s product offerings include sales and leaseback arrangements, factoring with recourse, installment financing, business capital facilities, operating leases, and Sharia-compliant financing products such as Ijarah and Ijarah Muntahiyah Bittamlik services. PT KDB Tifa Finance serves a diverse customer base in Indonesia with branch offices in Jakarta, Surabaya, and representative offices in Semarang, Balikpapan, Makassar, and Pekanbaru. Founded in 1989 as PT Tifa Mutual Finance Corporation and headquartered in South Jakarta, the company has grown substantially over the decades. A significant recent development occurred in 2020 when The Korea Development Bank (KDB) acquired an 80.65% ownership stake in the company, resulting in a rebranding to PT KDB Tifa Finance Tbk and placing KDB as the controlling shareholder. This acquisition has positioned the company for future business development and expansion with stronger financial backing. In 2025, PT KDB Tifa Finance Tbk received the Most Efficient Multifinance Award at the Bisnis Indonesia Financial Awards, reflecting operational efficiency improvements. The company maintains a comprehensive financing services portfolio that includes leasing financing, consumer financing, factoring, and Sharia financing, targeting individuals and corporate clients across Indonesia. Its strong credit risk assessment and monitoring frameworks contribute to a lower incidence of non-performing loans. Operationally, PT KDB Tifa Finance Tbk continues expanding its market presence and optimizing financial performance under the strategic guidance of its Korean parent, leveraging KDB's global network and expertise in the financial sector. Overall, PT KDB Tifa Finance Tbk is a leading multifinance company in Indonesia offering a broad range of financing solutions with a robust backing from its majority shareholder, Korea Development Bank, and strategic initiatives geared towards growth and service innovation. The company’s headquarters are in Jakarta, and it remains committed to serving the Indonesian market with diversified financial products and strong operational controls.