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Indonesian (IDX) Consumer Finance Industry Analysis

UpdatedDec 24, 2025
DataAggregated Company Financials
Companies13
  • 7D-2.2%
  • 3M-3.5%
  • 1Y-9.3%
  • YTD-12.6%

Over the last 7 days, the Consumer Finance industry has dropped 2.3%, driven by Indomobil Multi Jasa declining 25%. The industry has fallen 9.2% in the last year. 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
Wed, 24 Dec 2025Rp32.2tRp17.8tRp3.6t10.4x9x1.8x
Fri, 21 Nov 2025Rp33.5tRp17.7tRp3.6t10.2x9.3x1.9x
Sun, 19 Oct 2025Rp32.0tRp17.7tRp3.7t9x8.7x1.8x
Tue, 16 Sep 2025Rp36.2tRp19.3tRp4.2t9.6x8.7x1.9x
Thu, 14 Aug 2025Rp36.8tRp19.4tRp4.2t9.4x8.8x1.9x
Sat, 12 Jul 2025Rp40.7tRp19.3tRp4.2t9x9.6x2.1x
Mon, 09 Jun 2025Rp49.9tRp19.3tRp4.2t10.1x11.9x2.6x
Wed, 07 May 2025Rp49.4tRp19.4tRp4.2t10.1x11.7x2.5x
Fri, 04 Apr 2025Rp49.2tRp19.4tRp4.4t8x11.2x2.5x
Sun, 02 Mar 2025Rp45.9tRp20.3tRp4.4t8.4x10.4x2.3x
Tue, 28 Jan 2025Rp49.5tRp19.8tRp4.8t9x10.4x2.5x
Thu, 26 Dec 2024Rp49.9tRp19.7tRp4.9t10x10.2x2.5x
Sat, 23 Nov 2024Rp50.5tRp19.7tRp4.9t9.8x10.3x2.6x
Mon, 21 Oct 2024Rp47.3tRp19.6tRp4.9t9.9x9.7x2.4x
Wed, 18 Sep 2024Rp45.4tRp19.6tRp4.9t10.3x9.3x2.3x
Fri, 16 Aug 2024Rp44.6tRp19.6tRp4.9t9.8x9.1x2.3x
Sun, 14 Jul 2024Rp42.7tRp19.4tRp5.4t8.7x7.9x2.2x
Tue, 11 Jun 2024Rp44.5tRp19.4tRp5.4t8.9x8.2x2.3x
Thu, 09 May 2024Rp45.6tRp19.4tRp5.5t9.1x8.3x2.4x
Sat, 06 Apr 2024Rp52.6tRp19.6tRp5.7t10.4x9.2x2.7x
Mon, 04 Mar 2024Rp53.4tRp20.4tRp5.6t12.8x9.6x2.6x
Wed, 31 Jan 2024Rp49.5tRp19.5tRp5.6t12.2x8.9x2.5x
Fri, 29 Dec 2023Rp48.3tRp19.5tRp5.6t11.5x8.7x2.5x
Sun, 26 Nov 2023Rp48.0tRp19.8tRp5.6t12.4x8.6x2.4x
Tue, 24 Oct 2023Rp44.9tRp19.4tRp5.8t12x7.7x2.3x
Thu, 21 Sep 2023Rp47.2tRp19.4tRp5.8t11.6x8.1x2.4x
Sat, 19 Aug 2023Rp51.4tRp19.4tRp5.8t11.6x8.8x2.6x
Mon, 17 Jul 2023Rp53.3tRp19.1tRp5.4t12.4x9.9x2.8x
Wed, 14 Jun 2023Rp49.1tRp19.1tRp5.4t10.6x9.1x2.6x
Fri, 12 May 2023Rp46.3tRp18.8tRp5.3t10.1x8.8x2.5x
Sun, 09 Apr 2023Rp46.5tRp18.3tRp5.0t10.3x9.3x2.5x
Tue, 07 Mar 2023Rp45.2tRp17.9tRp4.7t15.7x9.5x2.5x
Thu, 02 Feb 2023Rp41.8tRp17.3tRp4.5t15.2x9.2x2.4x
Sat, 31 Dec 2022Rp39.6tRp17.3tRp4.5t16.2x8.7x2.3x
Price to Earnings Ratio

8.7x


Total Market Cap: Rp39.6tTotal Earnings: Rp4.5tTotal Revenue: Rp17.3tTotal 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 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-1.70%
Financials0.31%
Consumer Finance-2.23%
Consumer Finance-2.23%
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 FinanceRp8.60k1.8%
+Rp185.4b		-13.1%PE8.6x
DEFI Danasupra ErapacificRp226.0032.2%
+Rp37.2b		n/aPS18.9x
BBLD Buana FinanceRp910.002.2%
+Rp32.9b		37.9%PE34.6x
POLA Pool Advista FinanceRp59.0013.5%
+Rp23.5b		353.8%PS15.7x
TIFA KDB Tifa FinanceRp510.001.0%
+Rp17.8b		-7.3%PE30.6x

Latest News

WOMF
Rp320.00
Wahana Ottomitra Multiartha
7D
-2.4%
1Y
-8.6%
BFIN
Rp705.00
BFI Finance Indonesia
7D
-0.7%
1Y
-21.2%
TIFA
Rp510.00
KDB Tifa Finance
7D
1.0%
1Y
-7.3%
IMJS
Rp270.00
Indomobil Multi Jasa
7D
-27.0%
1Y
83.7%
HDFA
Rp132.00
Radana Bhaskara Finance
7D
-8.3%
1Y
11.9%
BPFI
Rp320.00
Woori Finance Indonesia
7D
-1.2%
1Y
1.9%
ADMF
Rp8,600.00
Adira Dinamika Multi Finance
7D
1.8%
1Y
-13.1%
POLA
Rp59.00
Pool Advista Finance
7D
13.5%
1Y
353.8%
CFIN
Rp322.00
PT. Clipan Finance Indonesia
7D
1.3%
1Y
3.2%
BBLD
Rp910.00
Buana Finance
7D
2.2%
1Y
37.9%
TRUS
Rp464.00
Trust Finance Indonesia
7D
2.7%
1Y
-49.6%
DEFI
Rp226.00
Danasupra Erapacific
7D
32.2%
1Y
n/a