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Indonesian (IDX) Consumer Finance Industry Analysis

UpdatedMay 09, 2026
DataAggregated Company Financials
Companies13
  • 7D-0.9%
  • 3M3.4%
  • 1Y-6.9%
  • YTD-2.7%

Over the last 7 days, the Consumer Finance industry has dropped 2.0%, driven by pullbacks in Adira Dinamika Multi Finance and BFI Finance Indonesia of 1.4% and 1.3%, respectively. However, the industry is down 6.8% over the past year. Earnings are forecast to grow by 8.7% annually.

Industry Valuation and Performance

Has the Indonesian Consumer Finance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 09 May 2026Rp31.7tRp19.8tRp3.7t13.2x8.6x1.6x
Mon, 06 Apr 2026Rp29.5tRp19.4tRp3.7t14.3x8x1.5x
Wed, 04 Mar 2026Rp32.0tRp19.3tRp3.9t8.8x8.3x1.7x
Fri, 30 Jan 2026Rp31.0tRp17.8tRp3.6t10x8.6x1.7x
Sun, 28 Dec 2025Rp31.9tRp17.8tRp3.6t9.6x8.9x1.8x
Tue, 25 Nov 2025Rp33.1tRp17.7tRp3.6t9.7x9.2x1.9x
Thu, 23 Oct 2025Rp32.7tRp17.7tRp3.7t9.9x8.9x1.8x
Sat, 20 Sep 2025Rp36.0tRp19.4tRp4.2t9x8.6x1.9x
Mon, 18 Aug 2025Rp37.7tRp19.4tRp4.2t10.1x9x1.9x
Wed, 16 Jul 2025Rp38.2tRp19.4tRp4.2t9x9.1x2x
Fri, 13 Jun 2025Rp49.4tRp19.3tRp4.2t9.6x11.7x2.6x
Sun, 11 May 2025Rp48.8tRp19.4tRp4.2t9.7x11.5x2.5x
Tue, 08 Apr 2025Rp49.2tRp19.4tRp4.4t8x11.2x2.5x
Thu, 06 Mar 2025Rp47.8tRp20.9tRp4.5t8.4x10.6x2.3x
Sat, 01 Feb 2025Rp49.6tRp19.8tRp4.8t9.1x10.4x2.5x
Mon, 30 Dec 2024Rp50.5tRp19.7tRp4.9t10x10.3x2.6x
Wed, 27 Nov 2024Rp49.8tRp19.7tRp4.9t9.8x10.2x2.5x
Fri, 25 Oct 2024Rp51.6tRp19.6tRp4.9t9.9x10.6x2.6x
Sun, 22 Sep 2024Rp45.4tRp19.6tRp4.9t10.3x9.3x2.3x
Tue, 20 Aug 2024Rp45.1tRp19.6tRp4.9t10.1x9.2x2.3x
Thu, 18 Jul 2024Rp42.3tRp19.4tRp5.4t9.1x7.8x2.2x
Sat, 15 Jun 2024Rp42.6tRp19.4tRp5.4t8.6x7.9x2.2x
Mon, 13 May 2024Rp45.6tRp19.5tRp5.5t9.1x8.3x2.3x
Wed, 10 Apr 2024Rp52.6tRp19.6tRp5.6t9.4x9.3x2.7x
Fri, 08 Mar 2024Rp52.0tRp19.7tRp5.6t12.3x9.4x2.6x
Sun, 04 Feb 2024Rp49.5tRp19.5tRp5.6t11.9x8.9x2.5x
Tue, 02 Jan 2024Rp48.5tRp19.5tRp5.6t11.2x8.7x2.5x
Thu, 30 Nov 2023Rp48.4tRp19.8tRp5.6t12.1x8.6x2.4x
Sat, 28 Oct 2023Rp44.6tRp19.5tRp5.7t12x7.9x2.3x
Mon, 25 Sep 2023Rp46.8tRp19.4tRp5.8t11.4x8.1x2.4x
Wed, 23 Aug 2023Rp49.6tRp19.4tRp5.8t11.7x8.5x2.6x
Fri, 21 Jul 2023Rp53.5tRp19.1tRp5.4t12.5x9.9x2.8x
Sun, 18 Jun 2023Rp49.8tRp19.1tRp5.4t10.6x9.2x2.6x
Tue, 16 May 2023Rp46.1tRp19.0tRp5.4t10.1x8.5x2.4x
Price to Earnings Ratio

8.5x


Total Market Cap: Rp46.1tTotal Earnings: Rp5.4tTotal Revenue: Rp19.0tTotal Market Cap vs Earnings and Revenue0%0%0%
Indonesian Consumer Finance Industry Price to Earnings3Y Average 9.3x202420252026
Current Industry PE
  • Investors are relatively neutral on the Indonesian Consumer Finance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
  • The industry is trading close to its 3-year average PE ratio of 9.3x.
  • The 3-year average PS ratio of 2.3x is higher than the industry's current PS ratio of 1.6x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 12% per year over the last three years.
  • Meanwhile revenues have remained mostly flat.
  • This means that although sales have remained flat, either the cost of doing business or the level of investment back into businesses has increased, which has decreased profits.

Industry Trends

Which industries have driven the changes within the Indonesian Financials industry?

ID Market-0.46%
Financials4.58%
Consumer Finance-0.90%
Consumer Finance-0.90%
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?

CompanyLast Price7D1YValuation
CFIN PT. Clipan Finance IndonesiaRp348.003.6%
+Rp47.8b		8.8%PE5.9x
IMJS Indomobil Multi JasaRp195.001.0%
+Rp21.7b		8.3%PE13.2x
DEFI Danasupra ErapacificRp181.0013.1%
+Rp14.2b		n/aPS20.2x
BBLD Buana FinanceRp670.000.8%
+Rp8.2b		3.9%PE204.1x

Latest News

TIFA
Rp330.00
KDB Tifa Finance
7D
-0.6%
1Y
-55.1%
BFIN
Rp790.00
BFI Finance Indonesia
7D
-1.3%
1Y
-6.5%
TRUS
Rp370.00
Trust Finance Indonesia
7D
-3.6%
1Y
-24.5%
POLA
Rp78.00
Pool Advista Finance
7D
-10.3%
1Y
457.1%
CFIN
Rp348.00
PT. Clipan Finance Indonesia
7D
3.6%
1Y
8.8%
HDFA
Rp109.00
Radana Bhaskara Finance
7D
-1.8%
1Y
1.9%
IMJS
Rp195.00
Indomobil Multi Jasa
7D
1.0%
1Y
8.3%
VRNA
Rp80.00
Mizuho Leasing Indonesia
7D
-2.4%
1Y
2.6%
ADMF
Rp8,675.00
Adira Dinamika Multi Finance
7D
-1.4%
1Y
-0.9%
BBLD
Rp670.00
Buana Finance
7D
0.8%
1Y
3.9%
DEFI
Rp181.00
Danasupra Erapacific
7D
13.1%
1Y
n/a
BPFI
Rp264.00
Woori Finance Indonesia
7D
-0.8%
1Y
-30.5%