IDX:CFIN 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	Mar '26 Mar 31, 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	1,233,355	1,262,592	1,386,680	1,289,718	1,063,765	1,075,374
Total Interest Expense	267,870	279,367	310,450	239,246	160,114	308,251
Net Interest Income	965,485	983,225	1,076,230	1,050,472	903,651	767,123
Other Revenue	197,535	182,612	256,336	273,790	220,097	185,408
Revenue Before Loan Losses	1,163,020	1,165,838	1,332,566	1,324,262	1,123,749	952,531
Provision for Loan Losses	523,587	572,975	600,621	431,052	390,586	671,523
Revenue	639,433	592,863	731,946	893,210	733,163	281,008
Revenue Growth (YoY)	1.14%	-19.00%	-18.05%	21.83%	160.91%	-34.67%
Salaries & Employee Benefits	332,808	335,136	389,141	369,370	348,848	294,350
Cost of Services Provided	160,017	159,295	208,896	209,436	199,625	145,502
Other Operating Expenses	-132,324	-145,620	-103,374	-683,393	-171,868	-165,097
Total Operating Expenses	363,656	352,696	498,114	-101,311	379,646	277,071
Operating Income	275,776	240,167	233,831	994,521	353,517	3,937
Currency Exchange Gain (Loss)	-	-	-	-	438.81	471.04
EBT Excluding Unusual Items	271,196	235,520	228,533	990,483	352,457	35.59
Other Unusual Items	31,335	34,053	40,960	43,838	47,159	37,508
Pretax Income	303,729	270,376	273,717	1,035,010	399,501	39,695
Income Tax Expense	67,219	58,161	58,916	220,005	88,779	-6,611
Net Income	236,510	212,216	214,801	815,005	310,722	46,306
Net Income to Common	236,510	212,216	214,801	815,005	310,722	46,306
Net Income Growth	44.44%	-1.20%	-73.64%	162.29%	571.02%	-0.56%
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)	59.36	53.26	53.91	204.54	77.98	11.62
EPS (Diluted)	59.36	53.26	53.91	204.54	77.98	11.62
EPS Growth	44.46%	-1.20%	-73.64%	162.30%	571.08%	-0.57%
Free Cash Flow	709,937	828,269	-73,866	-1,096,600	-550,685	2,096,708
Free Cash Flow Per Share	178.17	207.87	-18.54	-275.21	-138.21	526.21
Dividend Per Share	-	-	50.000	-	100.000	-
Operating Margin	43.13%	40.51%	31.95%	111.34%	48.22%	1.40%
Profit Margin	36.99%	35.80%	29.35%	91.24%	42.38%	16.48%
Free Cash Flow Margin	111.03%	139.71%	-10.09%	-122.77%	-75.11%	746.14%
Effective Tax Rate	22.13%	21.51%	21.52%	21.26%	22.22%	-
Revenue as Reported	1,597,782	1,627,709	1,794,471	2,296,383	1,509,403	1,473,648

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.