PT. Clipan Finance Indonesia Tbk

IDX:CFIN Stock Report

Market Cap: Rp1.3t

PT. Clipan Finance Indonesia Past Earnings Performance

Past criteria checks 2/6

PT. Clipan Finance Indonesia has been growing earnings at an average annual rate of 28.4%, while the Consumer Finance industry saw earnings growing at 20.6% annually. Revenues have been declining at an average rate of 6% per year. PT. Clipan Finance Indonesia's return on equity is 4.5%, and it has net margins of 32.2%.

Key information

28.4%

Earnings growth rate

28.4%

EPS growth rate

Consumer Finance Industry Growth11.7%
Revenue growth rate-6.0%
Return on equity4.5%
Net Margin32.2%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How PT. Clipan Finance Indonesia makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

IDX:CFIN Revenue, expenses and earnings (IDR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24801,184258,177617,1290
30 Jun 24845,979293,564618,7680
31 Mar 24893,310796,014587,7070
31 Dec 23893,210815,005559,5910
30 Sep 231,063,318952,330560,5780
30 Jun 231,015,312950,287533,8060
31 Mar 23891,110414,220532,3230
31 Dec 22733,163310,722533,2950
30 Sep 22367,32947,631498,9440
30 Jun 22243,423-33,826471,8640
31 Mar 22273,6317,315458,0150
31 Dec 21281,00846,306426,7080
30 Sep 21-115,24959,371441,6560
30 Jun 2152,45934,031433,2690
31 Mar 21188,557-6,090426,5430
31 Dec 20430,11646,567454,4890
30 Sep 201,162,773165,483477,0550
30 Jun 201,299,505302,705513,6150
31 Mar 201,383,965375,182539,3060
31 Dec 191,370,632361,596525,9720
30 Sep 191,323,476336,835515,1310
30 Jun 191,297,075321,012501,9490
31 Mar 191,257,877310,375483,5400
31 Dec 181,219,635305,138469,7950
30 Sep 181,143,960298,153585,9230
30 Jun 181,058,832276,580399,7210
31 Mar 181,008,816251,214382,3170
31 Dec 17922,467236,275338,2450
30 Sep 17878,989231,167223,6610
30 Jun 17811,271218,751257,3910
31 Mar 17708,907214,782216,3590
31 Dec 16651,302205,362190,4190
30 Sep 16616,212170,922165,1790
30 Jun 16633,257191,715173,3150
31 Mar 16667,969241,296181,8100
31 Dec 15680,901286,349159,4800
30 Sep 15696,609345,281140,0620
30 Jun 15683,752381,954180,2980
31 Mar 15656,314394,800123,4070
31 Dec 14671,726397,519135,6030
30 Sep 14667,438393,28079,4510
30 Jun 14659,344394,832127,9340
31 Mar 14655,376390,101127,5140

Quality Earnings: CFIN has high quality earnings.

Growing Profit Margin: CFIN's current net profit margins (32.2%) are lower than last year (89.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CFIN's earnings have grown significantly by 28.4% per year over the past 5 years.

Accelerating Growth: CFIN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CFIN had negative earnings growth (-72.9%) over the past year, making it difficult to compare to the Consumer Finance industry average (-4.8%).

Return on Equity

High ROE: CFIN's Return on Equity (4.5%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/17 19:05
End of Day Share Price 2025/01/17 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

PT. Clipan Finance Indonesia Tbk is covered by 3 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Salman AliCitigroup Inc
Sue Lin LimDBS Bank Ltd
Chininta SatarDBS Vickers Research