BFI Finance Indonesia Past Earnings Performance

Past criteria checks 2/6

BFI Finance Indonesia has been growing earnings at an average annual rate of 15.6%, while the Consumer Finance industry saw earnings growing at 7.6% annually. Revenues have been growing at an average rate of 7.2% per year. BFI Finance Indonesia's return on equity is 15.2%, and it has net margins of 35.5%.

Key information

15.6%

Earnings growth rate

15.5%

EPS growth rate

Consumer Finance Industry Growth	7.2%
Revenue growth rate	7.2%
Return on equity	15.2%
Net Margin	35.5%
Last Earnings Update	31 Mar 2024

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

OTCPK:PBII.F Revenue, expenses and earnings (IDR Millions)
Date	Revenue	Earnings	G+A Expenses
31 Mar 24	4,210,364	1,496,543	2,452,279
31 Dec 23	4,387,709	1,643,888	2,432,272
30 Sep 23	4,360,034	1,673,162	2,364,868
30 Jun 23	4,460,045	1,826,184	2,300,318
31 Mar 23	4,457,924	1,919,504	2,214,836
31 Dec 22	4,148,718	1,806,680	2,071,133
30 Sep 22	3,741,030	1,644,947	1,919,967
30 Jun 22	3,404,833	1,472,800	1,803,125
31 Mar 22	3,097,559	1,297,744	1,715,846
31 Dec 21	2,848,313	1,131,293	1,676,321
30 Sep 21	2,611,171	977,095	1,628,983
30 Jun 21	2,487,578	856,982	1,619,319
31 Mar 21	2,190,446	603,272	1,603,089
31 Dec 20	2,428,844	701,595	1,677,270
30 Sep 20	2,866,323	142,144	1,810,043
30 Jun 20	3,180,210	353,556	1,875,769
31 Mar 20	3,654,871	702,727	1,929,624
31 Dec 19	3,618,138	711,685	1,874,425
30 Sep 19	3,483,679	1,464,326	1,724,731
30 Jun 19	3,453,208	1,455,160	1,672,191
31 Mar 19	3,401,627	1,454,003	1,616,319
31 Dec 18	3,368,537	1,467,794	1,569,448
30 Sep 18	3,309,083	1,439,087	1,538,422
30 Jun 18	3,139,103	1,364,455	1,459,061
31 Mar 18	2,954,281	1,283,685	1,383,693
31 Dec 17	2,744,766	1,187,510	1,305,348
30 Sep 17	2,542,869	1,086,732	1,241,618
30 Jun 17	2,467,512	983,782	1,165,040
31 Mar 17	2,274,270	892,820	1,152,774
31 Dec 16	2,069,083	798,365	1,107,171
30 Sep 16	1,910,010	749,163	1,061,998
30 Jun 16	1,634,200	693,221	1,057,439
31 Mar 16	1,555,345	662,788	1,023,763
31 Dec 15	1,501,901	650,288	999,655
30 Sep 15	1,411,538	646,993	937,653
30 Jun 15	1,353,917	638,711	860,838
31 Mar 15	1,311,503	617,447	799,510
31 Dec 14	1,284,772	600,244	758,058
30 Sep 14	1,222,540	528,593	717,160
30 Jun 14	1,203,164	515,135	694,400
31 Mar 14	1,176,997	515,793	658,556
31 Dec 13	1,136,281	508,619	623,042
30 Sep 13	1,128,527	525,067	599,046
30 Jun 13	1,083,049	513,895	559,217

Quality Earnings: PBII.F has high quality earnings.

Growing Profit Margin: PBII.F's current net profit margins (35.5%) are lower than last year (43.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PBII.F's earnings have grown by 15.6% per year over the past 5 years.

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

Earnings vs Industry: PBII.F had negative earnings growth (-22%) over the past year, making it difficult to compare to the Consumer Finance industry average (-11.5%).

Return on Equity

High ROE: PBII.F's Return on Equity (15.2%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/06/15 12:18
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

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Industry and Sector Metrics

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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.