PT Buana Finance Tbk Income Statement

Financials in millions IDR. Fiscal year is January - December.

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	807,324	778,084	655,130	539,794	516,053	654,465
Total Interest Expense	393,460	366,613	276,007	208,533	229,836	340,782
Net Interest Income	413,864	411,471	379,123	331,261	286,217	313,683
Other Revenue	82,723	86,180	61,070	50,385	26,878	17,743
Revenue Before Loan Losses	496,587	497,651	440,193	381,646	313,095	331,426
Provision for Loan Losses	71,195	51,461	38,524	38,100	56,424	32,408
Revenue	425,392	446,190	401,669	343,546	256,671	299,018
Revenue Growth (YoY)	-4.06%	11.08%	16.92%	33.85%	-14.16%	-29.81%
Cost of Services Provided	260,724	262,073	238,948	208,932	187,389	202,461
Other Operating Expenses	99,413	92,334	26,166	21,837	34,742	70,724
Total Operating Expenses	360,137	354,407	265,114	230,769	222,131	273,185
Operating Income	65,255	91,783	136,555	112,777	34,540	25,833
EBT Excluding Unusual Items	55,473	82,000	131,564	112,710	34,553	26,028
Pretax Income	56,354	83,238	132,140	112,942	34,803	27,212
Income Tax Expense	13,029	17,171	27,127	25,482	6,100	7,159
Net Income	43,325	66,067	105,013	87,460	28,703	20,053
Net Income to Common	43,325	66,067	105,013	87,460	28,703	20,053
Net Income Growth	-43.54%	-37.09%	20.07%	204.71%	43.14%	-66.17%
Shares Outstanding (Basic)	1,646	1,646	1,646	1,646	1,646	1,646
Shares Outstanding (Diluted)	1,646	1,646	1,646	1,646	1,646	1,646
EPS (Basic)	26.32	40.14	63.81	53.14	17.44	12.18
EPS (Diluted)	26.32	40.14	63.81	53.14	17.44	12.18
EPS Growth	-43.54%	-37.09%	20.07%	204.71%	43.14%	-66.17%
Free Cash Flow	-784,354	-990,136	-1,232,511	-656,831	407,265	1,192,878
Free Cash Flow Per Share	-476.58	-601.62	-748.88	-399.10	247.46	724.80
Dividend Per Share	12.000	12.000	20.000	16.000	-	4.000
Dividend Growth	-40.00%	-40.00%	25.00%	-	-	-
Operating Margin	15.34%	20.57%	34.00%	32.83%	13.46%	8.64%
Profit Margin	10.18%	14.81%	26.14%	25.46%	11.18%	6.71%
Free Cash Flow Margin	-184.38%	-221.91%	-306.85%	-191.19%	158.67%	398.93%
Effective Tax Rate	23.12%	20.63%	20.53%	22.56%	17.53%	26.31%
Revenue as Reported	899,128	874,934	725,776	599,879	549,985	680,194

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.