Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

Indonesian (IDX) Consumer Finance Industry Analysis

UpdatedJun 17, 2026
DataAggregated Company Financials
Companies11
  • 7D6.4%
  • 3M-5.0%
  • 1Y-16.9%
  • YTD-8.9%

The Consumer Finance industry is up 11% in the last week, with BFI Finance Indonesia up 20%. During this same period, the KDB Tifa Finance underperformed, falling 6.3%. In the past year, the industry is down 16%. Looking forward, 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
Wed, 17 Jun 2026Rp26.7tRp14.8tRp3.6t11.2x7.4x1.8x
Fri, 15 May 2026Rp31.2tRp19.8tRp3.7t12.4x8.4x1.6x
Sun, 12 Apr 2026Rp30.4tRp19.4tRp3.7t14.3x8.2x1.6x
Tue, 10 Mar 2026Rp30.1tRp19.4tRp3.8t7.7x7.9x1.6x
Thu, 05 Feb 2026Rp30.8tRp17.8tRp3.6t9.6x8.6x1.7x
Sat, 03 Jan 2026Rp32.2tRp17.8tRp3.6t10.8x9x1.8x
Mon, 01 Dec 2025Rp32.9tRp17.7tRp3.6t10.4x9.2x1.9x
Wed, 29 Oct 2025Rp32.9tRp18.2tRp3.7t9x8.9x1.8x
Fri, 26 Sep 2025Rp35.2tRp19.4tRp4.2t8.6x8.4x1.8x
Sun, 24 Aug 2025Rp41.0tRp19.3tRp4.2t10.8x9.8x2.1x
Tue, 22 Jul 2025Rp36.1tRp19.4tRp4.2t7.9x8.6x1.9x
Thu, 19 Jun 2025Rp48.0tRp19.3tRp4.2t8.7x11.4x2.5x
Sat, 17 May 2025Rp49.9tRp19.3tRp4.2t10.4x11.8x2.6x
Mon, 14 Apr 2025Rp46.5tRp19.4tRp4.4t8x10.6x2.4x
Wed, 12 Mar 2025Rp50.1tRp19.5tRp4.5t8.8x11.1x2.6x
Fri, 07 Feb 2025Rp50.0tRp19.8tRp4.8t8.6x10.5x2.5x
Sun, 05 Jan 2025Rp49.9tRp19.7tRp4.9t9.8x10.2x2.5x
Tue, 03 Dec 2024Rp49.9tRp19.7tRp4.9t9.6x10.2x2.5x
Thu, 31 Oct 2024Rp53.1tRp19.7tRp4.9t9.9x10.7x2.7x
Sat, 28 Sep 2024Rp49.6tRp19.6tRp4.9t10.2x10.1x2.5x
Mon, 26 Aug 2024Rp44.5tRp19.6tRp4.9t10.4x9.1x2.3x
Wed, 24 Jul 2024Rp42.8tRp19.4tRp5.4t8.8x7.9x2.2x
Fri, 21 Jun 2024Rp41.9tRp19.4tRp5.4t8.9x7.7x2.2x
Sun, 19 May 2024Rp46.1tRp19.5tRp5.4t9x8.5x2.4x
Tue, 16 Apr 2024Rp52.6tRp19.6tRp5.6t9.4x9.3x2.7x
Thu, 14 Mar 2024Rp51.9tRp19.7tRp5.6t12.5x9.3x2.6x
Sat, 10 Feb 2024Rp50.3tRp19.5tRp5.6t11.7x9.1x2.6x
Mon, 08 Jan 2024Rp48.2tRp19.5tRp5.6t12x8.7x2.5x
Wed, 06 Dec 2023Rp47.0tRp19.8tRp5.6t11.4x8.4x2.4x
Fri, 03 Nov 2023Rp44.9tRp19.4tRp5.7t12.2x7.9x2.3x
Sun, 01 Oct 2023Rp47.3tRp19.4tRp5.8t11.7x8.1x2.4x
Tue, 29 Aug 2023Rp49.9tRp19.4tRp5.8t11.7x8.6x2.6x
Thu, 27 Jul 2023Rp53.1tRp19.1tRp5.4t11.8x9.8x2.8x
Sat, 24 Jun 2023Rp49.4tRp19.1tRp5.4t10.3x9.1x2.6x
Price to Earnings Ratio

9.1x


Total Market Cap: Rp49.4tTotal Earnings: Rp5.4tTotal Revenue: Rp19.1tTotal Market Cap vs Earnings and Revenue0%0%0%
Indonesian Consumer Finance Industry Price to Earnings3Y Average 9.3x202420252026
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 7.4x which is lower than its 3-year average PE of 9.3x.
  • 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 8.3% 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 Market8.02%
Financials11.85%
Consumer Finance6.40%
Consumer Finance6.40%
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
BFIN BFI Finance IndonesiaRp700.009.4%
+Rp885.0b		-16.2%PE6.7x
ADMF Adira Dinamika Multi FinanceRp8.20k3.8%
+Rp367.8b		-8.9%PE6.1x
CFIN PT. Clipan Finance IndonesiaRp344.006.2%
+Rp79.7b		6.2%PE5.8x
WOMF Wahana Ottomitra MultiarthaRp256.008.5%
+Rp69.6b		-25.1%PE8.4x
BPFI Woori Finance IndonesiaRp268.0010.7%
+Rp69.5b		-14.6%PE9.2x

Latest News

BFIN
Rp700.00
BFI Finance Indonesia
7D
9.4%
1Y
-16.2%
WOMF
Rp256.00
Wahana Ottomitra Multiartha
7D
8.5%
1Y
-25.1%
TRUS
Rp270.00
Trust Finance Indonesia
7D
12.5%
1Y
-42.3%
BBLD
Rp575.00
Buana Finance
7D
-0.9%
1Y
-23.3%
BPFI
Rp268.00
Woori Finance Indonesia
7D
10.7%
1Y
-14.6%
VRNA
Rp74.00
Mizuho Leasing Indonesia
7D
7.2%
1Y
-8.6%
CFIN
Rp344.00
PT. Clipan Finance Indonesia
7D
6.2%
1Y
6.2%
HDFA
Rp88.00
Radana Bhaskara Finance
7D
10.0%
1Y
-17.0%
ADMF
Rp8,200.00
Adira Dinamika Multi Finance
7D
3.8%
1Y
-8.9%