PT BFI Finance Indonesia Tbk (IDX:BFIN)
Indonesia · Delayed Price · Currency is IDR 745.00
-35.00 (-4.49%)
Oct 30, 2026, 4:10 PM WIB
IDX:BFIN 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 | Sep '26 Sep 30, 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 | 6,459,231 | 6,483,984 | 6,084,290 | 6,125,068 | 5,140,275 | 3,852,959 |
Total Interest Expense | 877,870 | 939,515 | 930,537 | 951,310 | 624,099 | 570,086 |
Net Interest Income | 5,581,361 | 5,544,469 | 5,153,753 | 5,173,758 | 4,516,176 | 3,282,873 |
Other Revenue | 394,733 | - | - | - | - | - |
Revenue Before Loan Losses | 5,976,094 | 5,544,469 | 5,153,753 | 5,173,758 | 4,516,176 | 3,282,873 |
Provision for Loan Losses | 1,110,266 | 1,091,382 | 850,336 | 786,049 | 367,458 | 434,560 |
| 4,865,828 | 4,453,087 | 4,303,417 | 4,387,709 | 4,148,718 | 2,848,313 | |
Revenue Growth | 10.33% | 3.48% | -1.92% | 5.76% | 45.66% | 17.27% |
Salaries & Employee Benefits | 1,578,179 | 1,517,111 | 1,517,239 | 1,457,103 | 1,324,648 | 1,023,279 |
Cost of Services Provided | 941,129 | 897,682 | 875,425 | 870,505 | 771,052 | 647,148 |
Other Operating Expenses | -87,954 | -246,866 | -237,001 | -180,519 | -229,959 | -298,901 |
Total Operating Expenses | 2,524,464 | 2,483,723 | 2,385,121 | 2,375,959 | 1,930,246 | 1,447,108 |
Operating Income | 2,341,364 | 1,969,364 | 1,918,296 | 2,011,750 | 2,218,472 | 1,401,205 |
EBT Excluding Unusual Items | 2,165,838 | 1,969,364 | 1,918,296 | 2,011,750 | 2,218,472 | 1,401,205 |
Pretax Income | 2,162,156 | 1,973,081 | 1,926,614 | 2,025,252 | 2,238,681 | 1,410,958 |
Income Tax Expense | 434,546 | 391,591 | 361,940 | 381,453 | 432,002 | 279,620 |
Earnings From Continuing Ops. | 1,727,610 | 1,581,490 | 1,564,674 | 1,643,799 | 1,806,679 | 1,131,338 |
Minority Interest in Earnings | 328 | 351 | 137 | 89 | 1 | -45 |
Net Income | 1,727,938 | 1,581,841 | 1,564,811 | 1,643,888 | 1,806,680 | 1,131,293 |
Net Income to Common | 1,727,938 | 1,581,841 | 1,564,811 | 1,643,888 | 1,806,680 | 1,131,293 |
Net Income Growth | 6.85% | 1.09% | -4.81% | -9.01% | 59.70% | 61.25% |
Shares Outstanding (Basic) | 15,022 | 15,396 | 15,039 | 15,039 | 14,975 | 14,964 |
Shares Outstanding (Diluted) | 15,022 | 15,396 | 15,039 | 15,039 | 14,975 | 14,964 |
Shares Change | -1.19% | 2.37% | - | 0.43% | 0.07% | - |
EPS (Basic) | 115.03 | 102.74 | 104.05 | 109.31 | 120.65 | 75.60 |
EPS (Diluted) | 115.03 | 102.74 | 104.05 | 109.31 | 120.65 | 75.60 |
EPS Growth | 8.13% | -1.25% | -4.81% | -9.40% | 59.59% | 61.25% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Free Cash Flow | 2,249,151 | 1,280,850 | 392,028 | 108,952 | -3,685,627 | 443,025 |
Free Cash Flow Per Share | 149.73 | 83.19 | 26.07 | 7.24 | -246.12 | 29.61 |
Dividend Per Share | 35.000 | 70.000 | 60.000 | 55.000 | 60.000 | 17.000 |
Dividend Growth | -47.76% | 16.67% | 9.09% | -8.33% | 252.94% | -5.56% |
Operating Margin | 48.12% | 44.22% | 44.58% | 45.85% | 53.47% | 49.19% |
Profit Margin | 35.51% | 35.52% | 36.36% | 37.47% | 43.55% | 39.72% |
Free Cash Flow Margin | 46.22% | 28.76% | 9.11% | 2.48% | -88.84% | 15.55% |
Effective Tax Rate | 20.10% | 19.85% | 18.79% | 18.83% | 19.30% | 19.82% |
Revenue as Reported | 6,929,765 | 6,747,819 | 6,335,070 | 6,353,113 | 5,383,010 | 4,122,555 |