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Indonesian (IDX) Consumer Finance Industry Analysis

UpdatedJun 14, 2026
DataAggregated Company Financials
Companies11
  • 7D3.8%
  • 3M-7.6%
  • 1Y-18.2%
  • YTDn/a

The Consumer Finance industry is up 3.8% in the last week, with BFI Finance Indonesia up 7.2%. In the same time, KDB Tifa Finance was down 7.4%. In the past year, the industry is down 18%. As for the next few years, earnings are expected to grow by 8.7% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 14 Jun 2026Rp26.1tRp14.8tRp3.6t11.2x7.3x1.8x
Tue, 12 May 2026Rp31.1tRp19.8tRp3.7t12.7x8.4x1.6x
Thu, 09 Apr 2026Rp29.7tRp19.4tRp3.7t14.2x8x1.5x
Sat, 07 Mar 2026Rp31.3tRp19.3tRp3.9t8.3x8.1x1.6x
Mon, 02 Feb 2026Rp31.1tRp17.8tRp3.6t9.6x8.7x1.7x
Wed, 31 Dec 2025Rp32.2tRp17.8tRp3.6t10.8x9x1.8x
Fri, 28 Nov 2025Rp32.8tRp17.7tRp3.6t9.5x9.1x1.9x
Sun, 26 Oct 2025Rp32.8tRp17.7tRp3.7t9.5x9x1.9x
Tue, 23 Sep 2025Rp35.5tRp19.4tRp4.2t8.8x8.5x1.8x
Thu, 21 Aug 2025Rp40.6tRp19.3tRp4.2t10.8x9.7x2.1x
Sat, 19 Jul 2025Rp36.7tRp19.4tRp4.2t7.9x8.7x1.9x
Mon, 16 Jun 2025Rp48.7tRp19.3tRp4.2t8.7x11.5x2.5x
Wed, 14 May 2025Rp48.8tRp19.4tRp4.2t9.7x11.5x2.5x
Fri, 11 Apr 2025Rp47.2tRp19.4tRp4.4t7.9x10.7x2.4x
Sun, 09 Mar 2025Rp50.0tRp19.9tRp4.5t9x11.1x2.5x
Tue, 04 Feb 2025Rp49.3tRp19.8tRp4.8t9.2x10.4x2.5x
Thu, 02 Jan 2025Rp50.6tRp19.7tRp4.9t10.1x10.3x2.6x
Sat, 30 Nov 2024Rp50.7tRp19.7tRp4.9t9.6x10.3x2.6x
Mon, 28 Oct 2024Rp56.8tRp19.6tRp4.8t9.9x11.7x2.9x
Wed, 25 Sep 2024Rp45.8tRp19.6tRp4.9t10.4x9.4x2.3x
Fri, 23 Aug 2024Rp44.2tRp19.6tRp4.9t10x9x2.3x
Sun, 21 Jul 2024Rp42.2tRp19.4tRp5.4t8.9x7.8x2.2x
Tue, 18 Jun 2024Rp41.4tRp19.4tRp5.4t8.6x7.6x2.1x
Thu, 16 May 2024Rp45.7tRp19.5tRp5.5t9.2x8.3x2.3x
Sat, 13 Apr 2024Rp52.6tRp19.6tRp5.6t9.4x9.3x2.7x
Mon, 11 Mar 2024Rp52.4tRp19.7tRp5.6t12.6x9.4x2.7x
Wed, 07 Feb 2024Rp50.2tRp19.5tRp5.6t11.8x9x2.6x
Fri, 05 Jan 2024Rp48.2tRp19.5tRp5.6t12.3x8.7x2.5x
Sun, 03 Dec 2023Rp47.9tRp19.8tRp5.6t12.1x8.6x2.4x
Tue, 31 Oct 2023Rp44.8tRp19.4tRp5.7t11.9x7.9x2.3x
Thu, 28 Sep 2023Rp46.9tRp19.4tRp5.8t10.4x8.1x2.4x
Sat, 26 Aug 2023Rp49.8tRp19.4tRp5.8t11.7x8.6x2.6x
Mon, 24 Jul 2023Rp53.9tRp19.1tRp5.4t12.4x10x2.8x
Wed, 21 Jun 2023Rp48.2tRp19.1tRp5.4t10.2x8.9x2.5x
Price to Earnings Ratio

8.9x


Total Market Cap: Rp48.2tTotal Earnings: Rp5.4tTotal Revenue: Rp19.1tTotal Market Cap vs Earnings and Revenue0%0%0%
Indonesian Consumer Finance Industry Price to Earnings3Y Average 9.3x202420252026
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 7.3x 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 1.8x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have declined 13% per year over the last three years,
  • Revenues have also declined 8.3% per year.
  • This means overall sales from these companies are declining and profits are subsequently falling as well.

Industry Comparison

How does Indonesian Consumer Finance compare with similar industries?

ID Market7.32%
Financials9.77%
Consumer Finance3.81%
Consumer Finance3.81%
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 IndonesiaRp670.007.2%
+Rp663.7b		-18.8%PE6.5x
ADMF Adira Dinamika Multi FinanceRp8.20k2.5%
+Rp245.2b		-8.6%PE6.1x
BPFI Woori Finance IndonesiaRp272.007.1%
+Rp48.1b		-13.9%PE9.3x
HDFA Radana Bhaskara FinanceRp88.008.6%
+Rp45.8b		-17.0%PS9.9x
CFIN PT. Clipan Finance IndonesiaRp326.003.2%
+Rp39.8b		0.6%PE5.5x

Latest News

TIFA
Rp274.00
KDB Tifa Finance
7D
-7.4%
1Y
-62.7%
BFIN
Rp670.00
BFI Finance Indonesia
7D
7.2%
1Y
-18.8%
WOMF
Rp250.00
Wahana Ottomitra Multiartha
7D
-1.6%
1Y
-28.2%
TRUS
Rp266.00
Trust Finance Indonesia
7D
4.7%
1Y
-43.4%
POLA
Rp55.00
Pool Advista Finance
7D
10.0%
1Y
223.5%
BBLD
Rp575.00
Buana Finance
7D
-4.2%
1Y
-23.3%
BPFI
Rp272.00
Woori Finance Indonesia
7D
7.1%
1Y
-13.9%
VRNA
Rp74.00
Mizuho Leasing Indonesia
7D
5.7%
1Y
-8.6%
CFIN
Rp326.00
PT. Clipan Finance Indonesia
7D
3.2%
1Y
0.6%
HDFA
Rp88.00
Radana Bhaskara Finance
7D
8.6%
1Y
-17.0%
ADMF
Rp8,200.00
Adira Dinamika Multi Finance
7D
2.5%
1Y
-8.6%