PT BFI Finance Indonesia Tbk (IDX:BFIN)

IDX:BFIN Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	6,274,691	6,084,290	6,125,068	5,140,275	3,852,959	4,357,472
Total Interest Expense	933,694	930,537	951,310	624,099	570,086	870,476
Net Interest Income	5,340,997	5,153,753	5,173,758	4,516,176	3,282,873	3,486,996
Revenue Before Loan Losses	5,340,997	5,153,753	5,173,758	4,516,176	3,282,873	3,486,996
Provision for Loan Losses	940,659	850,336	786,049	367,458	434,560	1,058,152
Revenue	4,400,338	4,303,417	4,387,709	4,148,718	2,848,313	2,428,844
Revenue Growth (YoY)	3.92%	-1.92%	5.76%	45.66%	17.27%	-32.87%
Salaries & Employee Benefits	1,480,145	1,517,239	1,457,103	1,324,648	1,023,279	1,122,266
Cost of Services Provided	868,687	875,425	870,505	771,052	647,148	536,151
Other Operating Expenses	-220,578	-237,001	-180,519	-229,959	-298,901	-179,236
Total Operating Expenses	2,384,116	2,385,121	2,375,959	1,930,246	1,447,108	1,569,078
Operating Income	2,016,222	1,918,296	2,011,750	2,218,472	1,401,205	859,766
EBT Excluding Unusual Items	2,016,222	1,918,296	2,011,750	2,218,472	1,401,205	859,766
Pretax Income	2,023,051	1,926,614	2,025,252	2,238,681	1,410,958	869,996
Income Tax Expense	381,949	361,940	381,453	432,002	279,620	168,404
Earnings From Continuing Ops.	1,641,102	1,564,674	1,643,799	1,806,679	1,131,338	701,592
Minority Interest in Earnings	157	137	89	1	-45	3
Net Income	1,641,259	1,564,811	1,643,888	1,806,680	1,131,293	701,595
Net Income to Common	1,641,259	1,564,811	1,643,888	1,806,680	1,131,293	701,595
Net Income Growth	10.80%	-4.81%	-9.01%	59.70%	61.25%	-1.42%
Shares Outstanding (Basic)	15,039	15,039	15,039	14,975	14,964	14,964
Shares Outstanding (Diluted)	15,039	15,039	15,039	14,975	14,964	14,964
Shares Change (YoY)	-	-	0.43%	0.07%	-	-
EPS (Basic)	109.13	104.05	109.31	120.65	75.60	46.88
EPS (Diluted)	109.05	104.05	109.31	120.65	75.60	46.88
EPS Growth	10.71%	-4.81%	-9.40%	59.59%	61.25%	-1.42%
Free Cash Flow	168,526	392,028	108,952	-3,685,627	443,025	4,662,676
Free Cash Flow Per Share	11.21	26.07	7.24	-246.12	29.61	311.58
Dividend Per Share	32.000	60.000	55.000	60.000	17.000	18.000
Dividend Growth	-41.82%	9.09%	-8.33%	252.94%	-5.56%	50.00%
Operating Margin	45.82%	44.58%	45.85%	53.47%	49.19%	35.40%
Profit Margin	37.30%	36.36%	37.47%	43.55%	39.72%	28.89%
Free Cash Flow Margin	3.83%	9.11%	2.48%	-88.84%	15.55%	191.97%
Effective Tax Rate	18.88%	18.79%	18.83%	19.30%	19.82%	19.36%
Revenue as Reported	6,528,255	6,335,070	6,353,113	5,383,010	4,122,555	4,569,778

Updated Feb 24, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.