PT. Clipan Finance Indonesia Tbk (IDX:CFIN)

IDX:CFIN 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	1,330,874	1,386,680	1,289,718	1,063,765	1,075,374	1,493,302
Total Interest Expense	296,917	310,450	239,246	160,114	308,251	561,227
Net Interest Income	1,033,957	1,076,230	1,050,472	903,651	767,123	932,075
Other Revenue	196,714	256,336	273,790	220,097	185,408	207,799
Revenue Before Loan Losses	1,230,671	1,332,566	1,324,262	1,123,749	952,531	1,139,874
Provision for Loan Losses	640,626	600,621	431,052	390,586	671,523	709,758
Revenue	590,045	731,946	893,210	733,163	281,008	430,116
Revenue Growth (YoY)	-30.25%	-18.05%	21.83%	160.91%	-34.67%	-68.62%
Salaries & Employee Benefits	353,390	389,141	369,370	348,848	294,350	315,843
Cost of Services Provided	179,624	208,896	209,436	199,625	145,502	147,781
Other Operating Expenses	-126,504	-103,374	-683,393	-171,868	-165,097	-94,089
Total Operating Expenses	410,828	498,114	-101,311	379,646	277,071	371,162
Operating Income	179,217	233,831	994,521	353,517	3,937	58,954
Currency Exchange Gain (Loss)	-	-	-	438.81	471.04	1,099
EBT Excluding Unusual Items	174,617	228,533	990,483	352,457	35.59	54,132
Other Unusual Items	38,516	40,960	43,838	47,159	37,508	7,148
Pretax Income	213,501	273,717	1,035,010	399,501	39,695	60,533
Income Tax Expense	46,380	58,916	220,005	88,779	-6,611	13,966
Net Income	167,121	214,801	815,005	310,722	46,306	46,567
Net Income to Common	167,121	214,801	815,005	310,722	46,306	46,567
Net Income Growth	-43.07%	-73.64%	162.29%	571.02%	-0.56%	-87.12%
Shares Outstanding (Basic)	3,985	3,985	3,985	3,985	3,985	3,985
Shares Outstanding (Diluted)	3,985	3,985	3,985	3,985	3,985	3,985
EPS (Basic)	41.94	53.91	204.54	77.98	11.62	11.69
EPS (Diluted)	41.94	53.91	204.54	77.98	11.62	11.69
EPS Growth	-43.08%	-73.64%	162.30%	571.08%	-0.57%	-87.12%
Free Cash Flow	560,181	-73,866	-1,096,600	-550,685	2,096,708	2,883,998
Free Cash Flow Per Share	140.59	-18.54	-275.21	-138.21	526.21	723.80
Dividend Per Share	50.000	50.000	-	100.000	-	-
Operating Margin	30.37%	31.95%	111.34%	48.22%	1.40%	13.71%
Profit Margin	28.32%	29.35%	91.24%	42.38%	16.48%	10.83%
Free Cash Flow Margin	94.94%	-10.09%	-122.77%	-75.11%	746.14%	670.52%
Effective Tax Rate	21.72%	21.52%	21.26%	22.22%	-	23.07%
Revenue as Reported	1,695,102	1,794,471	2,296,383	1,509,403	1,473,648	1,847,954

Updated Feb 26, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.