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Indonesian (IDX) Consumer Finance Industry Analysis

UpdatedJan 24, 2025
DataAggregated Company Financials
Companies13
  • 7D5.1%
  • 3M-13.3%
  • 1Y0.7%
  • YTDn/a

Over the last 7 days, the Consumer Finance industry has risen 3.3%, driven by gains from Mandala Multifinance of 18%. Meanwhile, Trust Finance Indonesia actually underperformed within the industry, shrinking 26% in the last week. Overall in the last year, the industry is flat. As for the next few years, earnings are expected to grow by 12% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 24 Jan 2025Rp49.2tRp19.8tRp4.8t9.1x10.4x2.5x
Sun, 22 Dec 2024Rp49.7tRp19.7tRp4.9t9.8x10.1x2.5x
Tue, 19 Nov 2024Rp50.1tRp19.8tRp4.9t10x10.2x2.5x
Thu, 17 Oct 2024Rp47.0tRp19.6tRp4.9t9.9x9.7x2.4x
Sat, 14 Sep 2024Rp45.3tRp19.6tRp4.9t10.2x9.3x2.3x
Mon, 12 Aug 2024Rp43.4tRp19.6tRp4.9t10.1x8.9x2.2x
Wed, 10 Jul 2024Rp42.9tRp19.4tRp5.4t8.8x7.9x2.2x
Fri, 07 Jun 2024Rp44.5tRp19.4tRp5.4t8.9x8.2x2.3x
Sun, 05 May 2024Rp46.6tRp19.4tRp5.5t9x8.4x2.4x
Tue, 02 Apr 2024Rp52.7tRp19.5tRp5.7t10.2x9.2x2.7x
Thu, 29 Feb 2024Rp52.9tRp20.4tRp5.6t12.6x9.5x2.6x
Sat, 27 Jan 2024Rp49.4tRp19.5tRp5.6t12.2x8.9x2.5x
Mon, 25 Dec 2023Rp47.9tRp19.5tRp5.6t11.8x8.6x2.5x
Wed, 22 Nov 2023Rp46.2tRp19.8tRp5.6t12.4x8.3x2.3x
Fri, 20 Oct 2023Rp46.6tRp19.4tRp5.8t12.2x8x2.4x
Sun, 17 Sep 2023Rp47.7tRp19.4tRp5.8t11.4x8.2x2.5x
Tue, 15 Aug 2023Rp51.0tRp19.5tRp5.8t12.1x8.8x2.6x
Thu, 13 Jul 2023Rp53.5tRp19.1tRp5.4t11.9x9.9x2.8x
Sat, 10 Jun 2023Rp46.2tRp19.1tRp5.4t10.5x8.5x2.4x
Mon, 08 May 2023Rp46.2tRp18.8tRp5.3t10.2x8.8x2.5x
Wed, 05 Apr 2023Rp45.3tRp18.3tRp5.0t11.4x9.1x2.5x
Fri, 03 Mar 2023Rp45.7tRp18.1tRp4.7t16.4x9.6x2.5x
Sun, 29 Jan 2023Rp40.8tRp17.3tRp4.5t15.3x9x2.4x
Tue, 27 Dec 2022Rp39.9tRp17.3tRp4.5t16.3x8.8x2.3x
Thu, 24 Nov 2022Rp42.1tRp17.2tRp4.4t20x9.5x2.4x
Sat, 22 Oct 2022Rp38.6tRp16.2tRp3.9t19.7x9.9x2.4x
Mon, 19 Sep 2022Rp41.2tRp16.2tRp3.9t17.2x10.6x2.5x
Wed, 17 Aug 2022Rp41.8tRp16.2tRp3.9t15.8x10.8x2.6x
Fri, 15 Jul 2022Rp39.3tRp15.4tRp3.5t23.9x11.1x2.6x
Sun, 12 Jun 2022Rp40.6tRp15.4tRp3.5t29.5x11.5x2.6x
Tue, 10 May 2022Rp42.0tRp14.7tRp3.4t20.5x12.4x2.9x
Thu, 07 Apr 2022Rp45.2tRp15.1tRp3.1t17.5x14.7x3x
Sat, 05 Mar 2022Rp43.1tRp15.0tRp2.9t20.9x14.7x2.9x
Mon, 31 Jan 2022Rp43.1tRp14.3tRp2.5t24.5x17.3x3x
Price to Earnings Ratio

17.3x


Total Market Cap: Rp43.1tTotal Earnings: Rp2.5tTotal Revenue: Rp14.3tTotal Market Cap vs Earnings and Revenue0%0%0%
Indonesian Consumer Finance Industry Price to Earnings3Y Average 10x202320242025
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 10.0x.
  • The industry is trading close to its 3-year average PS ratio of 2.5x.
Past Earnings Growth
  • The earnings for companies in the Consumer Finance industry have grown 24% per year over the last three years.
  • Revenues for these companies have grown 11% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Comparison

How does Indonesian Consumer Finance compare with similar industries?

ID Market1.50%
Financials1.41%
Consumer Finance5.12%
Consumer Finance5.12%
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
MFIN Mandala MultifinanceRp3.29k17.9%
+Rp2.5t		102.3%PE40.6x
ADMF Adira Dinamika Multi FinanceRp9.80k2.1%
+Rp200.0b		-12.3%PE5.7x
BBLD Buana FinanceRp645.003.2%
+Rp32.9b		9.3%PE13.8x
CFIN PT. Clipan Finance IndonesiaRp320.002.6%
+Rp31.9b		-34.2%PE4.9x
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Mizuho Leasing Indonesia

7D

-1.2%

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IBFN

Rp16.00

Intan Baru Prana

7D

-11.1%

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0%

POLA

Rp12.00

Pool Advista Finance

7D

-7.7%

1Y

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IMJS

Rp148.00

Indomobil Multi Jasa

7D

-1.3%

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BFIN

Rp890.00

BFI Finance Indonesia

7D

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CFIN

Rp320.00

PT. Clipan Finance Indonesia

7D

2.6%

1Y

-34.2%

TRUS

Rp745.00

Trust Finance Indonesia

7D

-25.5%

1Y

81.7%

MFIN

Rp3,290.00

Mandala Multifinance

7D

17.9%

1Y

102.3%

BBLD

Rp645.00

Buana Finance

7D

3.2%

1Y

9.3%

HDFA

Rp115.00

Radana Bhaskara Finance

7D

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1Y

11.7%

ADMF

Rp9,800.00

Adira Dinamika Multi Finance

7D

2.1%

1Y

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