IDX:CFIN Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	1,262,592	1,386,680	1,289,718	1,063,765	1,075,374
Total Interest Expense	279,367	310,450	239,246	160,114	308,251
Net Interest Income	983,225	1,076,230	1,050,472	903,651	767,123
Other Revenue	182,612	256,336	273,790	220,097	185,408
Revenue Before Loan Losses	1,165,838	1,332,566	1,324,262	1,123,749	952,531
Provision for Loan Losses	572,975	600,621	431,052	390,586	671,523
Revenue	592,863	731,946	893,210	733,163	281,008
Revenue Growth (YoY)	-19.00%	-18.05%	21.83%	160.91%	-34.67%
Salaries & Employee Benefits	335,136	389,141	369,370	348,848	294,350
Cost of Services Provided	159,295	208,896	209,436	199,625	145,502
Other Operating Expenses	-145,620	-103,374	-683,393	-171,868	-165,097
Total Operating Expenses	352,696	498,114	-101,311	379,646	277,071
Operating Income	240,167	233,831	994,521	353,517	3,937
Currency Exchange Gain (Loss)	-	-	-	438.81	471.04
EBT Excluding Unusual Items	235,520	228,533	990,483	352,457	35.59
Other Unusual Items	34,053	40,960	43,838	47,159	37,508
Pretax Income	270,376	273,717	1,035,010	399,501	39,695
Income Tax Expense	58,161	58,916	220,005	88,779	-6,611
Net Income	212,216	214,801	815,005	310,722	46,306
Net Income to Common	212,216	214,801	815,005	310,722	46,306
Net Income Growth	-1.20%	-73.64%	162.29%	571.02%	-0.56%
Shares Outstanding (Basic)	3,985	3,985	3,985	3,985	3,985
Shares Outstanding (Diluted)	3,985	3,985	3,985	3,985	3,985
EPS (Basic)	53.26	53.91	204.54	77.98	11.62
EPS (Diluted)	53.26	53.91	204.54	77.98	11.62
EPS Growth	-1.20%	-73.64%	162.30%	571.08%	-0.57%
Free Cash Flow	828,269	-73,866	-1,096,600	-550,685	2,096,708
Free Cash Flow Per Share	207.87	-18.54	-275.21	-138.21	526.21
Dividend Per Share	-	50.000	-	100.000	-
Operating Margin	40.51%	31.95%	111.34%	48.22%	1.40%
Profit Margin	35.80%	29.35%	91.24%	42.38%	16.48%
Free Cash Flow Margin	139.71%	-10.09%	-122.77%	-75.11%	746.14%
Effective Tax Rate	21.51%	21.52%	21.26%	22.22%	-
Revenue as Reported	1,627,709	1,794,471	2,296,383	1,509,403	1,473,648

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.