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Indonesian (IDX) Consumer Finance Industry Analysis

UpdatedFeb 08, 2026
DataAggregated Company Financials
Companies13
  • 7D-0.6%
  • 3M-8.6%
  • 1Y-11.0%
  • YTD-5.8%

In the last week, Consumer Finance has been flat. Unfortunately though, the industry is down 11% over the past 12 months. Earnings are forecast to grow by 8.2% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 08 Feb 2026Rp30.9tRp17.8tRp3.6t9.2x8.6x1.7x
Tue, 06 Jan 2026Rp32.6tRp17.8tRp3.6t10.3x9.1x1.8x
Thu, 04 Dec 2025Rp34.1tRp17.7tRp3.6t11x9.5x1.9x
Sat, 01 Nov 2025Rp33.5tRp18.2tRp3.7t8.9x9.1x1.8x
Mon, 29 Sep 2025Rp35.7tRp19.4tRp4.2t8.9x8.5x1.8x
Wed, 27 Aug 2025Rp39.6tRp19.3tRp4.2t10.5x9.5x2x
Fri, 25 Jul 2025Rp36.2tRp19.4tRp4.2t8.8x8.6x1.9x
Sun, 22 Jun 2025Rp47.7tRp19.3tRp4.2t8.5x11.3x2.5x
Tue, 20 May 2025Rp50.8tRp19.3tRp4.2t10.5x12x2.6x
Thu, 17 Apr 2025Rp46.9tRp19.4tRp4.4t8x10.7x2.4x
Sat, 15 Mar 2025Rp49.1tRp19.5tRp4.5t8.4x10.9x2.5x
Mon, 10 Feb 2025Rp49.6tRp19.8tRp4.8t9x10.4x2.5x
Wed, 08 Jan 2025Rp49.6tRp19.8tRp4.8t10x10.4x2.5x
Fri, 06 Dec 2024Rp50.6tRp19.7tRp4.9t9.6x10.3x2.6x
Sun, 03 Nov 2024Rp52.9tRp19.8tRp4.9t9.9x10.7x2.7x
Tue, 01 Oct 2024Rp52.8tRp19.6tRp4.9t10.3x10.8x2.7x
Thu, 29 Aug 2024Rp44.2tRp19.6tRp4.9t10.2x9x2.3x
Sat, 27 Jul 2024Rp42.4tRp19.4tRp5.4t9x7.8x2.2x
Mon, 24 Jun 2024Rp43.2tRp19.4tRp5.4t9.1x8x2.2x
Wed, 22 May 2024Rp46.3tRp19.5tRp5.4t9x8.5x2.4x
Fri, 19 Apr 2024Rp48.9tRp19.6tRp5.7t9.3x8.6x2.5x
Sun, 17 Mar 2024Rp52.9tRp19.7tRp5.6t12.6x9.5x2.7x
Tue, 13 Feb 2024Rp50.8tRp19.5tRp5.6t11.9x9.1x2.6x
Thu, 11 Jan 2024Rp48.8tRp19.5tRp5.6t12x8.8x2.5x
Sat, 09 Dec 2023Rp47.4tRp19.4tRp5.6t11.6x8.5x2.4x
Mon, 06 Nov 2023Rp45.8tRp19.4tRp5.7t12.6x8.1x2.4x
Wed, 04 Oct 2023Rp46.7tRp19.4tRp5.8t11.8x8x2.4x
Fri, 01 Sep 2023Rp49.2tRp19.4tRp5.8t11.8x8.5x2.5x
Sun, 30 Jul 2023Rp52.6tRp19.8tRp5.9t11.9x9x2.7x
Tue, 27 Jun 2023Rp51.8tRp19.1tRp5.4t11x9.6x2.7x
Thu, 25 May 2023Rp44.8tRp19.2tRp5.4t10x8.3x2.3x
Sat, 22 Apr 2023Rp46.5tRp18.4tRp5.1t11x9x2.5x
Mon, 20 Mar 2023Rp44.0tRp18.0tRp4.7t13.8x9.4x2.4x
Wed, 15 Feb 2023Rp44.4tRp17.3tRp4.5t14.7x9.8x2.6x
Price to Earnings Ratio

9.8x


Total Market Cap: Rp44.4tTotal Earnings: Rp4.5tTotal Revenue: Rp17.3tTotal Market Cap vs Earnings and Revenue0%0%0%
Indonesian Consumer Finance Industry Price to Earnings3Y Average 9.4x202420252026
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 9.4x.
  • The 3-year average PS ratio of 2.4x is higher than the industry's current PS ratio of 1.7x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 7.5% 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-4.59%
Financials0.86%
Consumer Finance-0.61%
Consumer Finance-0.61%
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
ADMF Adira Dinamika Multi FinanceRp8.40k1.2%
+Rp123.6b		-13.8%PE8.4x
BBLD Buana FinanceRp900.003.4%
+Rp49.4b		47.5%PE34.2x
TIFA KDB Tifa FinanceRp398.001.5%
+Rp21.3b		-27.6%PE23.9x
POLA Pool Advista FinanceRp86.003.6%
+Rp10.1b		514.3%PS22.9x

Latest News

TIFA
Rp398.00
KDB Tifa Finance
7D
1.5%
1Y
-27.6%
DEFI
Rp187.00
Danasupra Erapacific
7D
-6.0%
1Y
n/a
IMJS
Rp190.00
Indomobil Multi Jasa
7D
-5.0%
1Y
35.7%
BFIN
Rp695.00
BFI Finance Indonesia
7D
-1.4%
1Y
-18.7%
HDFA
Rp117.00
Radana Bhaskara Finance
7D
-6.4%
1Y
0%
BPFI
Rp284.00
Woori Finance Indonesia
7D
-4.1%
1Y
0%
ADMF
Rp8,400.00
Adira Dinamika Multi Finance
7D
1.2%
1Y
-13.8%
POLA
Rp86.00
Pool Advista Finance
7D
3.6%
1Y
514.3%
CFIN
Rp322.00
PT. Clipan Finance Indonesia
7D
-0.6%
1Y
6.6%
BBLD
Rp900.00
Buana Finance
7D
3.4%
1Y
47.5%
TRUS
Rp408.00
Trust Finance Indonesia
7D
-5.1%
1Y
-58.2%
VRNA
Rp81.00
Mizuho Leasing Indonesia
7D
-3.6%
1Y
-1.2%