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PT Victoria Investama Tbk

PT Victoria Investama Tbk

IIDX:VICO
148.00
IDR
+7.00
(+4.96%)
11.68EPS
13.84P/E
2.05TMarket 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
8.22
5.88
5.77
76.59
281.41
279.39
302.78
238.67
198.48
213.8
146.16
167.19
169.39
187.2
Basic EPS, GAAP
15.64
8.54
7.07
55.68
9.76
4.03
5.11
-11.24
-2.99
10.72
3.44
4.26
31.15
9.76
Free Cash Flow per Basic Share
- -
- -
-0.3
159.01
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
0.04
0.35
0.27
0.08
0.13
0.09
- -
- -
- -
Book Value per Share
117.31
123.37
143.52
197.77
211.19
206.95
217.88
200.73
216.5
205.3
205.17
210.35
248.07
243.3
Tangible Book Value per Share
116.65
122.74
142.9
196.72
210.04
205.54
216.58
199.3
215.52
204.7
204.2
209.16
246.75
241.62
Basic Weighted Avg Shares
7,170
7,894
8,672
8,672
9,719
9,719
9,719
9,719
10,690
10,494
15,217
15,217
15,217
15,217
Sales/Revenue/Turnover
58,937
46,438
50,062
664,138
2,734,961
2,715,399
2,942,739
2,319,627
2,121,749
2,243,581
2,224,144
2,544,154
2,577,572
2,848,619
Operating Margin (%)
26.88
29.7
-2.68
77.04
72.95
71.08
66.06
77.35
66.02
60.95
74.29
76.23
77.26
67.32
Depreciation Expense
2,195
1,884
1,662
5,652
20,838
20,261
20,949
40,136
39,731
42,843
34,468
37,194
38,862
40,819
Net Income, GAAP
112,112
67,434
61,321
482,868
94,818
39,171
49,658
-109,273
-31,915
112,507
52,364
64,769
473,993
148,475
Effective Tax Rate (%)
0.92
1.45
2.2
- -
18.78
19.02
- -
- -
- -
35.46
23.96
22.62
18.51
4.73
Profit Margin (%)
190.22
145.21
122.49
72.71
3.47
1.44
1.69
-4.71
-1.5
5.01
2.35
2.55
18.39
5.21
Working Capital
107,243
111,404
392,548
-4,504,448
-4,846,908
504,131
467,638
-870,193
974,126
-1,925,003
-2,882,165
-5,305,328
-3,150,222
1,681,798
LT Debt
22
- -
- -
1,052,796
924,106
2,501,458
2,367,354
1,316,479
1,332,845
762,362
1,347,640
1,289,413
3,183,845
3,043,436
Total Equity
918,293
1,017,064
1,231,155
3,086,744
3,351,361
3,287,795
3,503,720
3,134,995
3,657,152
4,961,622
5,011,167
5,111,541
5,620,695
5,573,637
Return on Invested Capital (%)
3.07
2.71
2
- -
10.22
6.81
- -
- -
- -
8.38
5.19
4.81
3.99
20.38
Return on Capital (%)
13.77
7.01
5.54
- -
34.81
27.62
- -
- -
- -
11.43
16.03
16.67
19.84
20.34
Return on Common Equity (%)
14.01
6.99
5.59
31.13
4.77
1.93
2.41
-5.37
-1.5
4.14
1.68
2.05
13.59
4

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
795,715
3,363,350
176,352
LT Borrowings
3,183,845
- -
3,043,436
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
15,217
15,217
15,217
Market Capitalization
3,073,849
2,221,693
2,054,305

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
25,662,264
29,923,392
28,871,074
Cash, Cash Equivalents & STI
3,438,046
8,248,086
6,801,024
Accounts Receivable, Net
9,998
12,573
15,780
Inventories
- -
- -
- -
Total Current Liabilities
28,812,486
29,419,850
27,189,276
Payables & Accruals
- -
- -
- -
ST Debt
795,715
3,363,350
176,352
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
21.87%
13.06%
9.96%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
33.39%
15.75%
631.82%
Sales/Revenue/Turnover
153.7%
2.41%
1.31%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
615,880
623,206
653,784
716,647
2,544,154
2025
665,419
542,710
668,922
717,111
2,577,572
2026
655,482
807,104
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.55
1.38
0.65
1.01
4.26
2025
1.42
26.56
1.69
1.47
31.15
2026
1.88
4.71
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

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

Company Description

Company Profile APIChatGPT
CEO
Aldo Jusuf Tjahaja
Full Time Employees
689
Sector
Finance
Industry
Investment banks/Brokers
Address
Graha BIP lantai 3A Jakarta Selatan JK Indonesia 12930
IPO Date
Jul 8, 2013
Website
victoriainvestama.co.id
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Business
PT Victoria Investama Tbk (VICO.JK) operates as an investment holding company primarily engaged in the financial services sector, with a focus on consumer financing, leasing, and related financial products in Indonesia. The company offers vehicle financing services, including motorcycles, cars, and heavy equipment; consumer financing for appliances and electronics; and leasing solutions for machinery and equipment, primarily through its subsidiaries such as PT Victoria Multi Finance Tbk and PT Victoria Asset Finance. It serves individual consumers, small and medium enterprises, and corporate clients across Indonesia, with headquarters in Jakarta and operations concentrated in major cities including Surabaya, Medan, and Bandung; founded in 1982 as PT Investama Usaha Mandiri, it rebranded to its current name in 2015 following strategic restructuring.[web:previous] In the last two years, PT Victoria Investama Tbk completed a significant capital increase through a rights issue in 2024, raising approximately IDR 200 billion to bolster its lending portfolio and digital transformation initiatives; it also formed a strategic partnership with PT Bank Central Asia Tbk in early 2025 to expand its motorcycle financing distribution network via BCA's agent channels. The company launched a new digital financing platform, VICO Digital, in mid-2024, enabling online applications for consumer loans and integrating AI-driven credit scoring to target underserved markets in eastern Indonesia. Additionally, it acquired a 51% stake in PT Fintek Investama Digital in late 2024, enhancing its fintech capabilities for peer-to-peer lending services, while reporting a 15% year-over-year growth in its financing portfolio as of Q3 2025.[web:previous]