Indonesian (IDX) Consumer Finance Industry Analysis

UpdatedMar 08, 2026

DataAggregated Company Financials

Companies13

7D-4.4%
3M-12.7%
1Y-11.7%
YTDn/a

Over the last 7 days, the Consumer Finance industry has dropped 4.4%, driven by a pullback from BFI Finance Indonesia of 3.2%. However, the industry is down 12% over the past year. Looking forward, earnings are forecast to grow by 9.9% annually.

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
Sun, 08 Mar 2026	Rp31.3t	Rp20.6t	Rp3.8t	8.3x	8.2x	1.5x
Tue, 03 Feb 2026	Rp30.3t	Rp17.8t	Rp3.6t	8.9x	8.4x	1.7x
Thu, 01 Jan 2026	Rp32.2t	Rp17.8t	Rp3.6t	10.8x	9x	1.8x
Sat, 29 Nov 2025	Rp32.9t	Rp17.7t	Rp3.6t	10.4x	9.2x	1.9x
Mon, 27 Oct 2025	Rp32.8t	Rp18.2t	Rp3.7t	9.5x	8.9x	1.8x
Wed, 24 Sep 2025	Rp35.7t	Rp19.4t	Rp4.2t	8.9x	8.5x	1.8x
Fri, 22 Aug 2025	Rp42.8t	Rp19.3t	Rp4.2t	10.8x	10.2x	2.2x
Sun, 20 Jul 2025	Rp36.6t	Rp19.4t	Rp4.2t	7.9x	8.7x	1.9x
Tue, 17 Jun 2025	Rp48.4t	Rp19.3t	Rp4.2t	8.6x	11.5x	2.5x
Thu, 15 May 2025	Rp48.8t	Rp19.4t	Rp4.2t	10.2x	11.5x	2.5x
Sat, 12 Apr 2025	Rp47.2t	Rp19.4t	Rp4.4t	8x	10.7x	2.4x
Mon, 10 Mar 2025	Rp50.0t	Rp19.5t	Rp4.5t	9x	11.1x	2.6x
Wed, 05 Feb 2025	Rp49.2t	Rp19.8t	Rp4.8t	9.1x	10.4x	2.5x
Fri, 03 Jan 2025	Rp51.1t	Rp19.7t	Rp4.9t	9.9x	10.4x	2.6x
Sun, 01 Dec 2024	Rp50.7t	Rp19.7t	Rp4.9t	9.6x	10.3x	2.6x
Tue, 29 Oct 2024	Rp56.8t	Rp19.6t	Rp4.8t	9.9x	11.7x	2.9x
Thu, 26 Sep 2024	Rp47.7t	Rp19.6t	Rp4.9t	10.4x	9.8x	2.4x
Sat, 24 Aug 2024	Rp44.2t	Rp19.6t	Rp4.9t	10.4x	9x	2.3x
Mon, 22 Jul 2024	Rp42.2t	Rp19.4t	Rp5.4t	8.9x	7.8x	2.2x
Wed, 19 Jun 2024	Rp41.4t	Rp19.4t	Rp5.4t	8.6x	7.6x	2.1x
Fri, 17 May 2024	Rp45.7t	Rp19.5t	Rp5.5t	8.9x	8.3x	2.3x
Sun, 14 Apr 2024	Rp52.6t	Rp19.6t	Rp5.6t	9.4x	9.3x	2.7x
Tue, 12 Mar 2024	Rp52.4t	Rp19.7t	Rp5.6t	12.6x	9.4x	2.7x
Thu, 08 Feb 2024	Rp50.3t	Rp19.5t	Rp5.6t	11.7x	9.1x	2.6x
Sat, 06 Jan 2024	Rp48.2t	Rp19.5t	Rp5.6t	12x	8.7x	2.5x
Mon, 04 Dec 2023	Rp47.9t	Rp19.8t	Rp5.6t	12.1x	8.6x	2.4x
Wed, 01 Nov 2023	Rp44.6t	Rp19.4t	Rp5.7t	11.9x	7.9x	2.3x
Fri, 29 Sep 2023	Rp46.9t	Rp19.4t	Rp5.8t	10.4x	8.1x	2.4x
Sun, 27 Aug 2023	Rp49.5t	Rp19.4t	Rp5.8t	11.7x	8.5x	2.5x
Tue, 25 Jul 2023	Rp53.5t	Rp19.1t	Rp5.4t	12.4x	9.9x	2.8x
Thu, 22 Jun 2023	Rp48.6t	Rp19.1t	Rp5.4t	10.4x	9x	2.5x
Sat, 20 May 2023	Rp45.8t	Rp19.0t	Rp5.4t	10.1x	8.5x	2.4x
Mon, 17 Apr 2023	Rp45.9t	Rp18.4t	Rp5.0t	10.9x	9.2x	2.5x
Wed, 15 Mar 2023	Rp44.0t	Rp17.9t	Rp4.7t	15.7x	9.3x	2.5x

Price to Earnings Ratio

9.3x

Wed, 15 Mar 2023

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 8.2x 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 1.5x.

Past Earnings Growth

The earnings for companies in the Consumer Finance industry have declined 6.9% per year over the last three years.
Meanwhile revenues for these companies have grown 4.7% per year.
This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased, which has decreased profits.