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Indonesian (IDX) Consumer Finance Industry Analysis

UpdatedAug 08, 2026
DataAggregated Company Financials
Companies11
  • 7D0.02%
  • 3M4.9%
  • 1Y-3.3%
  • YTD5.5%

In the last week, the Consumer Finance industry is up 2.0%, with Adira Dinamika Multi Finance up 0.6%. The industry has been flat over the past 12 months despite the gain this week. As for the next few years, earnings are expected to grow by 8.0% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 08 Aug 2026Rp30.9tRp15.5tRp4.0t12.6x7.7x2x
Mon, 06 Jul 2026Rp26.8tRp14.8tRp3.6t10.3x7.4x1.8x
Wed, 03 Jun 2026Rp27.2tRp14.8tRp3.6t11.3x7.6x1.8x
Fri, 01 May 2026Rp32.0tRp19.6tRp3.7t15.6x8.6x1.6x
Sun, 29 Mar 2026Rp29.8tRp19.3tRp3.8t8.7x7.9x1.5x
Tue, 24 Feb 2026Rp32.8tRp19.3tRp3.9t9.8x8.4x1.7x
Thu, 22 Jan 2026Rp32.9tRp17.8tRp3.6t10.7x9.2x1.9x
Sat, 20 Dec 2025Rp32.2tRp17.8tRp3.6t10.9x9x1.8x
Mon, 17 Nov 2025Rp32.8tRp17.8tRp3.6t9.5x9.1x1.8x
Wed, 15 Oct 2025Rp32.2tRp17.7tRp3.7t9.4x8.8x1.8x
Fri, 12 Sep 2025Rp35.6tRp19.3tRp4.2t9.6x8.5x1.8x
Sun, 10 Aug 2025Rp36.3tRp19.3tRp4.2t9x8.7x1.9x
Tue, 08 Jul 2025Rp45.7tRp19.3tRp4.2t8.8x10.8x2.4x
Thu, 05 Jun 2025Rp49.9tRp19.3tRp4.2t11x11.9x2.6x
Sat, 03 May 2025Rp50.8tRp19.4tRp4.4t10.7x11.5x2.6x
Mon, 31 Mar 2025Rp49.2tRp19.3tRp4.4t8x11.3x2.5x
Wed, 26 Feb 2025Rp48.5tRp19.5tRp4.5t8.6x10.9x2.5x
Fri, 24 Jan 2025Rp49.2tRp19.8tRp4.8t9.1x10.4x2.5x
Sun, 22 Dec 2024Rp49.7tRp19.7tRp4.9t9.8x10.1x2.5x
Tue, 19 Nov 2024Rp50.1tRp19.8tRp4.9t10x10.2x2.5x
Thu, 17 Oct 2024Rp47.0tRp19.6tRp4.9t9.9x9.7x2.4x
Sat, 14 Sep 2024Rp45.3tRp19.6tRp4.9t10.2x9.3x2.3x
Mon, 12 Aug 2024Rp43.4tRp19.6tRp4.9t10.1x8.9x2.2x
Wed, 10 Jul 2024Rp42.9tRp19.4tRp5.4t8.8x7.9x2.2x
Fri, 07 Jun 2024Rp44.5tRp19.4tRp5.4t8.9x8.2x2.3x
Sun, 05 May 2024Rp46.6tRp19.4tRp5.5t9x8.4x2.4x
Tue, 02 Apr 2024Rp52.7tRp19.5tRp5.7t10.2x9.2x2.7x
Thu, 29 Feb 2024Rp52.9tRp20.4tRp5.6t12.6x9.5x2.6x
Sat, 27 Jan 2024Rp49.4tRp19.5tRp5.6t12.2x8.9x2.5x
Mon, 25 Dec 2023Rp47.9tRp19.5tRp5.6t11.8x8.6x2.5x
Wed, 22 Nov 2023Rp46.2tRp19.8tRp5.6t12.4x8.3x2.3x
Fri, 20 Oct 2023Rp46.6tRp19.4tRp5.8t12.2x8x2.4x
Sun, 17 Sep 2023Rp47.7tRp19.4tRp5.8t11.4x8.2x2.5x
Tue, 15 Aug 2023Rp51.0tRp19.5tRp5.8t12.1x8.8x2.6x
Price to Earnings Ratio

8.8x


Total Market Cap: Rp51.0tTotal Earnings: Rp5.8tTotal Revenue: Rp19.5tTotal Market Cap vs Earnings and Revenue0%0%0%
Indonesian Consumer Finance Industry Price to Earnings3Y Average 9.2x202420252026
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 7.7x which is lower than its 3-year average PE of 9.2x.
  • The 3-year average PS ratio of 2.2x is higher than the industry's current PS ratio of 2.0x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 12% per year over the last three years,
  • Revenues have also declined 7.2% 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 Market2.62%
Financials1.01%
Consumer Finance0.016%
Consumer Finance0.016%
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 FinanceRp8.73k0.6%
+Rp61.3b		-3.6%PE5.8x
CFIN PT. Clipan Finance IndonesiaRp356.003.5%
+Rp47.8b		14.1%PE6.1x
BBLD Buana FinanceRp610.003.4%
+Rp32.9b		-35.1%PE299.2x
HDFA Radana Bhaskara FinanceRp97.005.4%
+Rp32.7b		-14.2%PS8.7x
BPFI Woori Finance IndonesiaRp266.002.3%
+Rp16.0b		-21.8%PE6.9x

Latest News

TIFA
Rp336.00
KDB Tifa Finance
7D
-1.8%
1Y
-28.5%
BBLD
Rp610.00
Buana Finance
7D
3.4%
1Y
-35.1%
BFIN
Rp905.00
BFI Finance Indonesia
7D
-1.1%
1Y
5.2%
BPFI
Rp266.00
Woori Finance Indonesia
7D
2.3%
1Y
-21.8%
CFIN
Rp356.00
PT. Clipan Finance Indonesia
7D
3.5%
1Y
14.1%
VRNA
Rp74.00
Mizuho Leasing Indonesia
7D
-3.9%
1Y
1.4%
HDFA
Rp97.00
Radana Bhaskara Finance
7D
5.4%
1Y
-14.2%
ADMF
Rp8,725.00
Adira Dinamika Multi Finance
7D
0.6%
1Y
-3.6%