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Indonesian (IDX) Consumer Finance Industry Analysis
UpdatedSep 21, 2026
DataAggregated Company Financials
Companies11
- 7D-1.8%
- 3M21.1%
- 1Y4.1%
- YTD9.5%
Over the last 7 days, the Consumer Finance industry has dropped 1.8%, driven by a pullback from BFI Finance Indonesia of 4.5%. Over the past 12 months, the industry was up 4.1%. 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?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Mon, 21 Sep 2026 | Rp32.0t | Rp15.5t | Rp4.0t | 12.2x | 8x | 2.1x |
| Wed, 19 Aug 2026 | Rp31.0t | Rp15.5t | Rp4.0t | 12x | 7.7x | 2x |
| Fri, 17 Jul 2026 | Rp28.0t | Rp14.8t | Rp3.6t | 10.9x | 7.8x | 1.9x |
| Sun, 14 Jun 2026 | Rp26.1t | Rp14.8t | Rp3.6t | 11.2x | 7.3x | 1.8x |
| Tue, 12 May 2026 | Rp31.1t | Rp19.8t | Rp3.7t | 12.7x | 8.4x | 1.6x |
| Thu, 09 Apr 2026 | Rp29.7t | Rp19.4t | Rp3.7t | 14.2x | 8x | 1.5x |
| Sat, 07 Mar 2026 | Rp31.3t | Rp19.3t | Rp3.9t | 8.3x | 8.1x | 1.6x |
| Mon, 02 Feb 2026 | Rp31.1t | Rp17.8t | Rp3.6t | 9.6x | 8.7x | 1.7x |
| Wed, 31 Dec 2025 | Rp32.2t | Rp17.8t | Rp3.6t | 10.8x | 9x | 1.8x |
| Fri, 28 Nov 2025 | Rp32.8t | Rp17.7t | Rp3.6t | 9.5x | 9.1x | 1.9x |
| Sun, 26 Oct 2025 | Rp32.8t | Rp17.7t | Rp3.7t | 9.5x | 9x | 1.9x |
| Tue, 23 Sep 2025 | Rp35.5t | Rp19.4t | Rp4.2t | 8.8x | 8.5x | 1.8x |
| Thu, 21 Aug 2025 | Rp40.6t | Rp19.3t | Rp4.2t | 10.8x | 9.7x | 2.1x |
| Sat, 19 Jul 2025 | Rp36.7t | Rp19.4t | Rp4.2t | 7.9x | 8.7x | 1.9x |
| Mon, 16 Jun 2025 | Rp48.7t | Rp19.3t | Rp4.2t | 8.7x | 11.5x | 2.5x |
| Wed, 14 May 2025 | Rp48.8t | Rp19.4t | Rp4.2t | 9.7x | 11.5x | 2.5x |
| Fri, 11 Apr 2025 | Rp47.2t | Rp19.4t | Rp4.4t | 7.9x | 10.7x | 2.4x |
| Sun, 09 Mar 2025 | Rp50.0t | Rp19.9t | Rp4.5t | 9x | 11.1x | 2.5x |
| Tue, 04 Feb 2025 | Rp49.3t | Rp19.8t | Rp4.8t | 9.2x | 10.4x | 2.5x |
| Thu, 02 Jan 2025 | Rp50.6t | Rp19.7t | Rp4.9t | 10.1x | 10.3x | 2.6x |
| Sat, 30 Nov 2024 | Rp50.7t | Rp19.7t | Rp4.9t | 9.6x | 10.3x | 2.6x |
| Mon, 28 Oct 2024 | Rp56.8t | Rp19.6t | Rp4.8t | 9.9x | 11.7x | 2.9x |
| Wed, 25 Sep 2024 | Rp45.8t | Rp19.6t | Rp4.9t | 10.4x | 9.4x | 2.3x |
| Fri, 23 Aug 2024 | Rp44.2t | Rp19.6t | Rp4.9t | 10x | 9x | 2.3x |
| Sun, 21 Jul 2024 | Rp42.2t | Rp19.4t | Rp5.4t | 8.9x | 7.8x | 2.2x |
| Tue, 18 Jun 2024 | Rp41.4t | Rp19.4t | Rp5.4t | 8.6x | 7.6x | 2.1x |
| Thu, 16 May 2024 | Rp45.7t | Rp19.5t | Rp5.5t | 9.2x | 8.3x | 2.3x |
| Sat, 13 Apr 2024 | Rp52.6t | Rp19.6t | Rp5.6t | 9.4x | 9.3x | 2.7x |
| Mon, 11 Mar 2024 | Rp52.4t | Rp19.7t | Rp5.6t | 12.6x | 9.4x | 2.7x |
| Wed, 07 Feb 2024 | Rp50.2t | Rp19.5t | Rp5.6t | 11.8x | 9x | 2.6x |
| Fri, 05 Jan 2024 | Rp48.2t | Rp19.5t | Rp5.6t | 12.3x | 8.7x | 2.5x |
| Sun, 03 Dec 2023 | Rp47.9t | Rp19.8t | Rp5.6t | 12.1x | 8.6x | 2.4x |
| Tue, 31 Oct 2023 | Rp44.8t | Rp19.4t | Rp5.7t | 11.9x | 7.9x | 2.3x |
| Thu, 28 Sep 2023 | Rp46.9t | Rp19.4t | Rp5.8t | 10.4x | 8.1x | 2.4x |
Price to Earnings Ratio
8.1x
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 8.0x which is lower than its 3-year average PE of 9.1x.
- The industry is trading close to its 3-year average PS ratio of 2.2x.
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 Market | -1.63% | |
| Financials | -1.19% | |
| Consumer Finance | -1.79% | |
| Consumer Finance | -1.79% | |
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 | |
|---|---|---|---|---|---|
| ADMF Adira Dinamika Multi Finance | Rp8.78k | 1.2% +Rp122.6b | -1.7% | PE5.8x | |
| HDFA Radana Bhaskara Finance | Rp106.00 | 5.0% +Rp32.7b | -34.6% | PS14.4x | |
| POLA Pool Advista Finance | Rp80.00 | 3.9% +Rp10.1b | 33.3% | PE47.5x | |
| TRUS Trust Finance Indonesia | Rp460.00 | 2.2% +Rp8.0b | -5.0% | PE22.9x |