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Indonesian (IDX) Consumer Finance Industry Analysis

UpdatedSep 29, 2025
DataAggregated Company Financials
Companies14
  • 7D0.1%
  • 3M-24.0%
  • 1Y-31.0%
  • YTD-18.1%

In the last week, the Consumer Finance industry is flat overall, with Danasupra Erapacific standing out by going down 40%. As for the longer term, the industry has declined 31% in the last year. Looking forward, earnings are forecast to grow by 8.4% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 30 Sep 2025Rp35.7tRp19.4tRp4.2t8.9x8.5x1.8x
Thu, 28 Aug 2025Rp38.8tRp19.3tRp4.2t10.6x9.3x2x
Sat, 26 Jul 2025Rp36.2tRp19.4tRp4.2t8.7x8.6x1.9x
Mon, 23 Jun 2025Rp46.7tRp19.3tRp4.2t8.5x11.1x2.4x
Wed, 21 May 2025Rp51.0tRp19.3tRp4.2t10.5x12.1x2.6x
Fri, 18 Apr 2025Rp48.0tRp19.4tRp4.4t8.1x10.9x2.5x
Sun, 16 Mar 2025Rp49.1tRp19.5tRp4.5t8.4x10.9x2.5x
Tue, 11 Feb 2025Rp49.8tRp19.8tRp4.8t9.1x10.5x2.5x
Thu, 09 Jan 2025Rp50.0tRp19.8tRp4.8t9.8x10.5x2.5x
Sat, 07 Dec 2024Rp50.6tRp19.7tRp4.9t9.6x10.3x2.6x
Mon, 04 Nov 2024Rp52.9tRp19.8tRp4.9t9.9x10.7x2.7x
Wed, 02 Oct 2024Rp52.1tRp19.6tRp4.9t10x10.7x2.7x
Fri, 30 Aug 2024Rp44.6tRp19.6tRp4.9t10.2x9.1x2.3x
Sun, 28 Jul 2024Rp42.3tRp19.6tRp4.9t9x8.6x2.2x
Tue, 25 Jun 2024Rp42.7tRp19.4tRp5.4t8.9x7.9x2.2x
Thu, 23 May 2024Rp47.1tRp19.5tRp5.4t9.2x8.7x2.4x
Sat, 20 Apr 2024Rp48.9tRp19.6tRp5.7t9.3x8.6x2.5x
Mon, 18 Mar 2024Rp52.9tRp19.7tRp5.6t12.5x9.5x2.7x
Wed, 14 Feb 2024Rp50.8tRp19.5tRp5.6t11.4x9.1x2.6x
Fri, 12 Jan 2024Rp48.8tRp19.5tRp5.6t12x8.8x2.5x
Sun, 10 Dec 2023Rp47.4tRp19.5tRp5.6t11.8x8.5x2.4x
Tue, 07 Nov 2023Rp45.8tRp19.4tRp5.7t12.7x8.1x2.4x
Thu, 05 Oct 2023Rp46.7tRp19.4tRp5.8t12.1x8x2.4x
Sat, 02 Sep 2023Rp48.9tRp19.4tRp5.8t11.4x8.4x2.5x
Mon, 31 Jul 2023Rp52.6tRp19.3tRp5.9t11.9x9x2.7x
Wed, 28 Jun 2023Rp52.4tRp19.1tRp5.4t11.3x9.7x2.7x
Fri, 26 May 2023Rp44.8tRp19.2tRp5.4t10x8.3x2.3x
Sun, 23 Apr 2023Rp46.5tRp18.4tRp5.1t11x9x2.5x
Tue, 21 Mar 2023Rp43.5tRp18.0tRp4.7t13.5x9.3x2.4x
Thu, 16 Feb 2023Rp44.5tRp17.3tRp4.5t14.8x9.8x2.6x
Sat, 14 Jan 2023Rp40.1tRp17.3tRp4.5t14.9x8.8x2.3x
Mon, 12 Dec 2022Rp41.1tRp17.3tRp4.5t16.7x9.1x2.4x
Wed, 09 Nov 2022Rp41.4tRp17.3tRp4.4t22.4x9.4x2.4x
Fri, 07 Oct 2022Rp40.5tRp16.2tRp3.9t19x10.4x2.5x
Price to Earnings Ratio

10.4x


Total Market Cap: Rp40.5tTotal Earnings: Rp3.9tTotal Revenue: Rp16.2tTotal Market Cap vs Earnings and Revenue0%0%0%
Indonesian Consumer Finance Industry Price to Earnings3Y Average 9.4x202320242025
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 1.8x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 2.5% per year over the last three years.
  • Revenues for these companies have grown 6.1% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

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

ID Market1.40%
Financials-0.10%
Consumer Finance0.13%
Consumer Finance0.13%
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 IndonesiaRp780.000.6%
+Rp75.2b		-25.0%PE7.1x
ADMF Adira Dinamika Multi FinanceRp9.00k0.8%
+Rp75.0b		-20.4%PE7.2x
TIFA KDB Tifa FinanceRp436.004.8%
+Rp71.0b		-24.2%PE28.9x
BBLD Buana FinanceRp930.003.9%
+Rp57.6b		40.9%PE30.7x
WOMF Wahana Ottomitra MultiarthaRp342.001.8%
+Rp20.9b		-6.0%PE4.8x

Latest News

BPFI
Rp320.00
Woori Finance Indonesia
7D
-3.6%
1Y
0%
TRUS
Rp444.00
Trust Finance Indonesia
7D
-8.3%
1Y
-1.3%
TIFA
Rp436.00
KDB Tifa Finance
7D
4.8%
1Y
-24.2%
CFIN
Rp312.00
PT. Clipan Finance Indonesia
7D
-0.6%
1Y
-25.4%
BBLD
Rp930.00
Buana Finance
7D
3.9%
1Y
40.9%
DEFI
Rp276.00
Danasupra Erapacific
7D
-39.7%
1Y
n/a
POLA
Rp54.00
Pool Advista Finance
7D
-10.0%
1Y
315.4%
HDFA
Rp149.00
Radana Bhaskara Finance
7D
-8.0%
1Y
-3.2%
VRNA
Rp90.00
Mizuho Leasing Indonesia
7D
-2.2%
1Y
-1.1%
MFIN
Rp890.00
Mandala Multifinance
7D
-1.1%
1Y
-69.5%
ADMF
Rp9,000.00
Adira Dinamika Multi Finance
7D
0.8%
1Y
-20.4%
WOMF
Rp342.00
Wahana Ottomitra Multiartha
7D
1.8%
1Y
-6.0%
BFIN
Rp780.00
BFI Finance Indonesia
7D
0.6%
1Y
-25.0%