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Indonesian (IDX) Consumer Finance Industry Analysis
UpdatedJun 23, 2026
DataAggregated Company Financials
Companies11
- 7D-0.7%
- 3M-5.7%
- 1Y-12.5%
- YTD-9.5%
Over the last 7 days, the Consumer Finance industry has remained flat, although notably Radana Bhaskara Finance gained 16%. As for the longer term, the industry has declined 15% in the last year. As for the next few years, earnings are expected to grow by 8.7% per annum.
Industry Valuation and Performance
Has the Indonesian Consumer Finance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Tue, 23 Jun 2026 | Rp26.5t | Rp14.8t | Rp3.6t | 12x | 7.4x | 1.8x |
| Thu, 21 May 2026 | Rp29.9t | Rp20.1t | Rp3.8t | 11.4x | 7.9x | 1.5x |
| Sat, 18 Apr 2026 | Rp32.7t | Rp19.5t | Rp3.7t | 15.6x | 8.9x | 1.7x |
| Mon, 16 Mar 2026 | Rp30.2t | Rp19.3t | Rp3.8t | 7.8x | 8x | 1.6x |
| Wed, 11 Feb 2026 | Rp31.2t | Rp17.8t | Rp3.6t | 9.8x | 8.7x | 1.8x |
| Fri, 09 Jan 2026 | Rp32.4t | Rp17.8t | Rp3.6t | 10.1x | 9x | 1.8x |
| Sun, 07 Dec 2025 | Rp34.8t | Rp17.8t | Rp3.6t | 11x | 9.7x | 2x |
| Tue, 04 Nov 2025 | Rp33.2t | Rp18.2t | Rp3.6t | 8.9x | 9.1x | 1.8x |
| Thu, 02 Oct 2025 | Rp35.2t | Rp19.4t | Rp4.2t | 8.9x | 8.4x | 1.8x |
| Sat, 30 Aug 2025 | Rp38.1t | Rp19.3t | Rp4.2t | 10.3x | 9.1x | 2x |
| Mon, 28 Jul 2025 | Rp36.6t | Rp19.4t | Rp4.2t | 8.7x | 8.7x | 1.9x |
| Wed, 25 Jun 2025 | Rp46.8t | Rp19.3t | Rp4.2t | 8.5x | 11.1x | 2.4x |
| Fri, 23 May 2025 | Rp50.5t | Rp19.3t | Rp4.2t | 10.4x | 12x | 2.6x |
| Sun, 20 Apr 2025 | Rp48.0t | Rp19.4t | Rp4.4t | 8.1x | 10.9x | 2.5x |
| Tue, 18 Mar 2025 | Rp48.8t | Rp19.5t | Rp4.5t | 8.6x | 10.8x | 2.5x |
| Thu, 13 Feb 2025 | Rp50.0t | Rp19.8t | Rp4.8t | 8.8x | 10.5x | 2.5x |
| Sat, 11 Jan 2025 | Rp50.1t | Rp19.8t | Rp4.8t | 10x | 10.5x | 2.5x |
| Mon, 09 Dec 2024 | Rp50.6t | Rp19.7t | Rp4.9t | 9.6x | 10.3x | 2.6x |
| Wed, 06 Nov 2024 | Rp52.5t | Rp19.8t | Rp4.9t | 10x | 10.7x | 2.6x |
| Fri, 04 Oct 2024 | Rp48.6t | Rp19.6t | Rp4.9t | 9.9x | 9.9x | 2.5x |
| Sun, 01 Sep 2024 | Rp44.4t | Rp19.6t | Rp4.9t | 10.3x | 9.1x | 2.3x |
| Tue, 30 Jul 2024 | Rp43.2t | Rp19.6t | Rp4.9t | 9.1x | 8.8x | 2.2x |
| Thu, 27 Jun 2024 | Rp42.2t | Rp19.4t | Rp5.4t | 9x | 7.8x | 2.2x |
| Sat, 25 May 2024 | Rp47.1t | Rp19.5t | Rp5.4t | 9.2x | 8.7x | 2.4x |
| Mon, 22 Apr 2024 | Rp48.0t | Rp19.6t | Rp5.7t | 9.2x | 8.5x | 2.4x |
| Wed, 20 Mar 2024 | Rp53.0t | Rp19.7t | Rp5.6t | 12.5x | 9.5x | 2.7x |
| Fri, 16 Feb 2024 | Rp51.2t | Rp20.7t | Rp5.7t | 11.5x | 9x | 2.5x |
| Sun, 14 Jan 2024 | Rp49.0t | Rp19.5t | Rp5.6t | 12.3x | 8.8x | 2.5x |
| Tue, 12 Dec 2023 | Rp46.9t | Rp19.5t | Rp5.6t | 11.9x | 8.4x | 2.4x |
| Thu, 09 Nov 2023 | Rp46.0t | Rp19.4t | Rp5.7t | 12.6x | 8.1x | 2.4x |
| Sat, 07 Oct 2023 | Rp45.7t | Rp19.4t | Rp5.8t | 12.1x | 7.9x | 2.3x |
| Mon, 04 Sep 2023 | Rp49.1t | Rp19.4t | Rp5.8t | 11.4x | 8.4x | 2.5x |
| Wed, 02 Aug 2023 | Rp52.0t | Rp19.3t | Rp5.9t | 11.9x | 8.9x | 2.7x |
| Fri, 30 Jun 2023 | Rp52.4t | Rp19.1t | Rp5.4t | 11.3x | 9.7x | 2.7x |
Price to Earnings Ratio
9.7x
Current Industry PE
- Investors are pessimistic on the Indonesian Consumer Finance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
- The industry is trading at a PE ratio of 7.3x which is lower than its 3-year average PE of 9.2x.
- The 3-year average PS ratio of 2.3x is higher than the industry's current PS ratio of 1.8x.
Past Earnings Growth
- The earnings for companies in the Consumer Finance industry have declined 13% per year over the last three years,
- Revenues have also declined 8.2% per year.
- This means overall sales from these companies are declining and profits are subsequently falling as well.
Industry Trends
Which industries have driven the changes within the Indonesian Financials industry?
| ID Market | -2.07% | |
| Financials | -3.66% | |
| Consumer Finance | -0.75% | |
| Consumer Finance | -0.75% | |
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| CFIN PT. Clipan Finance Indonesia | Rp378.00 | 9.9% +Rp135.5b | 25.2% | PE6.4x | |
| WOMF Wahana Ottomitra Multiartha | Rp266.00 | 3.9% +Rp34.8b | -22.2% | PE8.7x | |
| POLA Pool Advista Finance | Rp62.00 | 12.7% +Rp23.5b | 313.3% | PE81.7x | |
| TRUS Trust Finance Indonesia | Rp298.00 | 10.4% +Rp22.4b | -33.5% | PE14.7x | |
| BPFI Woori Finance Indonesia | Rp276.00 | 3.0% +Rp21.4b | -12.7% | PE9.4x |