PBII.F Stock Overview

Provides investment, working capital, multipurpose, sharia, and other financing services primarily in Indonesia. More details

PBII.F fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	3/6
Past Performance	2/6
Financial Health	3/6
Dividends	5/6

Rewards

Trading at 25.7% below our estimate of its fair value

Earnings are forecast to grow 18.56% per year

Risk Analysis

Shares are highly illiquid

Debt is not well covered by operating cash flow

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

PT BFI Finance Indonesia Tbk Competitors

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LexinFintech Holdings

NasdaqGS:LX

US$971.7m

OppFi

NYSE:OPFI

US$623.3m

Price History & Performance

Summary of share price highs, lows and changes for BFI Finance Indonesia
Historical stock prices
Current Share Price	Rp0.07
52 Week High	Rp0.07
52 Week Low	Rp0.07
Beta	1.25
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-22.22%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	PBII.F	US Consumer Finance	US Market
7D	0%	-3.3%	-2.7%
1Y	n/a	47.4%	23.4%

Return vs Industry: Insufficient data to determine how PBII.F performed against the US Consumer Finance industry.

Return vs Market: Insufficient data to determine how PBII.F performed against the US Market.

Price Volatility

Is PBII.F's price volatile compared to industry and market?
PBII.F volatility
PBII.F Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	7.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: PBII.F has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine PBII.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1982	6,309	Francis Lay	www.bfi.co.id

PT BFI Finance Indonesia Tbk provides investment, working capital, multipurpose, sharia, and other financing services primarily in Indonesia. The company operates through Cars, Motorcycles, and Others segments. It provides financing for new and used cars purchased via dealers; and finance for the purchase, sale and leaseback of heavy equipment, machinery, motor vehicles, and other equipment in new or used condition.

PT BFI Finance Indonesia Tbk Fundamentals Summary

How do BFI Finance Indonesia's earnings and revenue compare to its market cap?
PBII.F fundamental statistics
Market cap	US$742.80m
Earnings (TTM)	US$91.25m
Revenue (TTM)	US$256.73m

8.1x

P/E Ratio

2.9x

P/S Ratio

Is PBII.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PBII.F income statement (TTM)
Revenue	Rp4.21t
Cost of Revenue	Rp126.14b
Gross Profit	Rp4.08t
Other Expenses	Rp2.59t
Earnings	Rp1.50t

Last Reported Earnings

Mar 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	99.51
Gross Margin	97.00%
Net Profit Margin	35.54%
Debt/Equity Ratio	136.4%

How did PBII.F perform over the long term?

See historical performance and comparison

Dividends

6.8%

Current Dividend Yield

55%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/06/15 23:18
End of Day Share Price	2024/03/18 00:00
Earnings	2024/03/31
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 BFI Finance Indonesia Tbk is covered by 8 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Handy Noverdanius	CGS International
Handy Noverdanius	CLSA
Baruna Arkasatyo	Daiwa Securities Co. Ltd.