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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	1,363,468	1,386,680	1,289,718	1,063,765	1,075,374	1,493,302
Total Interest Expense	305,627	310,450	239,246	160,114	308,251	561,227
Net Interest Income	1,057,841	1,076,230	1,050,472	903,651	767,123	932,075
Other Revenue	231,120	256,336	273,790	220,097	185,408	207,799
Revenue Before Loan Losses	1,287,330	1,332,566	1,324,262	1,123,749	952,531	1,139,874
Provision for Loan Losses	617,155	600,621	431,052	390,586	671,523	709,758
Revenue	670,175	731,946	893,210	733,163	281,008	430,116
Revenue Growth (YoY)	-35.86%	-18.05%	21.83%	160.91%	-34.67%	-68.62%
Salaries & Employee Benefits	373,775	389,141	369,370	348,848	294,350	315,843
Cost of Services Provided	188,708	208,896	209,436	199,625	145,502	147,781
Other Operating Expenses	-69,933	-106,271	-688,347	-171,868	-165,097	-94,089
Total Operating Expenses	496,434	495,218	-106,265	379,646	277,071	371,162
Operating Income	173,740	236,728	999,475	353,517	3,937	58,954
Currency Exchange Gain (Loss)	-	-	-	438.81	471.04	1,099
EBT Excluding Unusual Items	165,523	228,533	990,483	352,457	35.59	54,132
Other Unusual Items	40,960	40,960	43,838	47,159	37,508	7,148
Pretax Income	210,638	273,717	1,035,010	399,501	39,695	60,533
Income Tax Expense	46,891	58,916	220,005	88,779	-6,611	13,966
Net Income	163,747	214,801	815,005	310,722	46,306	46,567
Net Income to Common	163,747	214,801	815,005	310,722	46,306	46,567
Net Income Growth	-79.43%	-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
Shares Change (YoY)	0.02%	-	-	-	-	-
EPS (Basic)	41.09	53.91	204.54	77.98	11.62	11.69
EPS (Diluted)	41.09	53.91	204.54	77.98	11.62	11.69
EPS Growth	-79.43%	-73.64%	162.30%	571.08%	-0.57%	-87.12%
Free Cash Flow	373,085	-73,866	-1,096,600	-550,685	2,096,708	2,883,998
Free Cash Flow Per Share	93.62	-18.54	-275.21	-138.21	526.21	723.80
Dividend Per Share	-	-	-	100.000	-	-
Operating Margin	25.92%	32.34%	111.90%	48.22%	1.40%	13.71%
Profit Margin	24.43%	29.35%	91.24%	42.38%	16.48%	10.83%
Free Cash Flow Margin	55.67%	-10.09%	-122.77%	-75.11%	746.14%	670.52%
Effective Tax Rate	22.26%	21.52%	21.26%	22.22%	-	23.07%
Revenue as Reported	1,744,412	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.