Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BFIN.JK
Strong BuyPremium GrowerPT BFI Finance Indonesia Tbk · Financial Services · Indonesia · $846M · Avg Vol: $2M/d
93
StockRankGet insider-trade alerts
Q
63
V
47
M
86
P/E (TTM)
9.4x
ROE
15.4%
D/E
1.2x
Dividend %
3.4%
COMPANY DESCRIPTION
PT BFI Finance Indonesia Tbk provides investment, working capital, multipurpose, and other financing services primarily in Indonesia. The company operates through Cars, Motorcycles, and Others segments.
FINANCIAL SUMMARY (IDR)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 5.1T | 6.1T | 6.1T | 6.5T | 8.0% | 4.6T | 6.6T | 7.0T | 4.2% |
| EPS (IDR) | 76.00 | 121.00 | 109.00 | 104.00 | 103.00 | 7.9% | 108.02 | 109.55 | 121.20 | 8.5% |
| Shares | — | 15.0B | 15.0B | 15.0B | 14.8B | -1.3% | 14.7B | — | — | — |
| Debt | — | 11.8T | 13.4T | 13.8T | 13.6T | 4.8% | 13.0T | — | — | — |
| Equity | — | 8.8T | 9.5T | 10.2T | 10.7T | 6.8% | — | — | — | — |
| Op CF | — | -3.5T | 301.9B | 489.5B | 1.4T | 116.4% | 2.5T | — | — | — |
| Inv CF | — | -238.2B | -360.3B | -105.2B | -143.6B | — | — | — | — | — |
| Fin CF | — | 3.9T | 724.8B | -509.8B | -1.3T | — | — | — | — | — |
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PRICE (1Y)+19.5%
SMA 50SMA 200
Close
$0.0577
RSI (14)
70.7
52W High
$0.0594
From 52W High
1.0%
SCORE BREAKDOWN
Quality
63
ROIC
14.1%89.3
ROE
15.4%75.2
GP/Assets
17.6%84.7
Op. Margin
48.0%67.8
FCF/Assets
—N/A
Piotroski
658.7
Int. Cover
10.5x51.8
D/E Ratio
1.18x26.7
Current Ratio
2.99x67.7
Value
47
P/E (TTM)
9.4x72.2
EV/EBITDA
11.3x43.3
P/FCF
—N/A
P/B
1.4x42.1
P/S
3.3x56.8
Div Yield
3.4%46.6
Momentum
86
52W High %
97%85.7
RS 6M
58%97.7
SMA 50/200
1.17x89.1
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
33%63.7
FUNDAMENTALS
Market Cap
$846M
P/E (Forward)
9.1x
Gross Margin
66.3%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BFIN.JK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BFIN.JK | PT BFI Finance Indonesia Tbk(you) | $846M | 93 | Strong Buy |
| ADMF.JK | PT Adira Dinamika Multi Finance Tbk | $609M | 91 | Strong Buy |
| CFIN.JK | PT. Clipan Finance Indonesia Tbk | $85M | 97 | Strong Buy |
| BBTN.JK | PT Bank Tabungan Negara (Persero) Tbk | $980M | 88 | Strong Buy |
| BNII.JK | PT Bank Maybank Indonesia Tbk | $835M | 83 | Strong Buy |
| SRTG.JK | PT Saratoga Investama Sedaya Tbk | $1.4B | 94 | Strong Buy |
| BJTM.JK | PT Bank Pembangunan Daerah Jawa Timur Tbk | $452M | 94 | Strong Buy |
| BJBR.JK | PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk | $481M | 99 | Strong Buy |
| BTPS.JK | PT Bank BTPN Syariah Tbk | $457M | 88 | Strong Buy |
| NISP.JK | PT Bank OCBC NISP Tbk | $1.6B | 85 | Strong Buy |
Peer medians: ROE 5.5% · P/E 8.8x · Gross margin 44.2%