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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	828,927	823,622	778,084	655,130	539,794	516,053
Total Interest Expense	411,380	404,674	366,613	276,007	208,533	229,836
Net Interest Income	417,547	418,948	411,471	379,123	331,261	286,217
Other Revenue	97,408	93,047	86,180	61,070	50,385	26,878
Revenue Before Loan Losses	514,955	511,995	497,651	440,193	381,646	313,095
Provision for Loan Losses	93,401	93,401	51,461	38,524	38,100	56,424
Revenue	421,554	418,594	446,190	401,669	343,546	256,671
Revenue Growth (YoY)	-6.96%	-6.19%	11.08%	16.92%	33.85%	-14.16%
Cost of Services Provided	261,930	264,802	262,073	238,948	208,932	187,389
Other Operating Expenses	113,669	114,045	92,334	26,166	21,837	34,742
Total Operating Expenses	375,599	378,847	354,407	265,114	230,769	222,131
Operating Income	45,955	39,747	91,783	136,555	112,777	34,540
EBT Excluding Unusual Items	22,707	16,499	82,000	131,564	112,710	34,553
Pretax Income	6,852	17,125	83,238	132,140	112,942	34,803
Income Tax Expense	1,450	3,645	17,171	27,127	25,482	6,100
Net Income	5,402	13,480	66,067	105,013	87,460	28,703
Net Income to Common	5,402	13,480	66,067	105,013	87,460	28,703
Net Income Growth	-89.50%	-79.60%	-37.09%	20.07%	204.71%	43.14%
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)	3.28	8.19	40.14	63.81	53.14	17.44
EPS (Diluted)	3.28	8.19	40.14	63.81	53.14	17.44
EPS Growth	-89.50%	-79.60%	-37.09%	20.07%	204.71%	43.14%
Free Cash Flow	-267,511	-468,828	-990,136	-1,232,511	-656,831	407,265
Free Cash Flow Per Share	-162.47	-284.86	-601.62	-748.88	-399.10	247.46
Dividend Per Share	-	-	12.000	20.000	16.000	-
Dividend Growth	-	-	-40.00%	25.00%	-	-
Operating Margin	10.90%	9.50%	20.57%	34.00%	32.83%	13.46%
Profit Margin	1.28%	3.22%	14.81%	26.14%	25.46%	11.18%
Free Cash Flow Margin	-63.46%	-112.00%	-221.91%	-306.85%	-191.19%	158.67%
Effective Tax Rate	21.16%	21.29%	20.63%	20.53%	22.56%	17.53%
Revenue as Reported	933,108	923,442	874,934	725,776	599,879	549,985

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.