PT KDB Tifa Finance Tbk (IDX:TIFA)

PT KDB Tifa Finance Tbk 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	176,179	181,049	163,323	142,602	112,851	149,331
Total Interest Expense	32,302	32,686	26,094	8,206	19,878	55,806
Net Interest Income	143,877	148,363	137,228	134,396	92,973	93,525
Gain (Loss) on Sale of Investments	502.91	481.46	1,236	1,237	197.67	1,009
Other Revenue	1,894	997.74	6,266	12,186	1,341	4,119
Revenue Before Loan Losses	146,274	149,842	144,731	147,819	94,512	98,654
Provision for Loan Losses	3,350	5,081	13,884	19,470	8,781	20,842
Revenue	142,924	144,761	130,847	128,350	85,731	77,811
Revenue Growth (YoY)	-2.24%	10.63%	1.95%	49.71%	10.18%	-14.88%
Salaries & Employee Benefits	46,832	43,214	39,402	35,000	31,820	30,525
Cost of Services Provided	13,215	11,322	10,714	11,281	13,267	9,240
Other Operating Expenses	-12.82	-2.82	-2,843	-2,644	-865.4	-831.4
Total Operating Expenses	66,027	61,156	52,946	49,856	50,902	43,412
Operating Income	76,897	83,605	77,901	78,493	34,829	34,399
Currency Exchange Gain (Loss)	105.23	-151.69	-161.45	161.44	-496.7	-584.93
EBT Excluding Unusual Items	76,010	80,943	74,833	72,423	32,480	27,656
Pretax Income	76,018	80,943	74,845	72,555	32,607	24,515
Income Tax Expense	16,798	15,894	14,949	15,651	5,876	9,629
Net Income	59,220	65,049	59,896	56,904	26,732	14,885
Net Income to Common	59,220	65,049	59,896	56,904	26,732	14,885
Net Income Growth	-8.61%	8.60%	5.26%	112.87%	79.58%	-54.94%
Shares Outstanding (Basic)	3,552	3,552	3,552	3,552	1,805	1,080
Shares Outstanding (Diluted)	3,552	3,552	3,552	3,552	1,805	1,080
Shares Change (YoY)	-	-	-	96.85%	67.13%	-
EPS (Basic)	16.67	18.31	16.86	16.02	14.81	13.79
EPS (Diluted)	16.67	18.31	16.86	16.02	14.81	13.79
EPS Growth	-8.61%	8.60%	5.26%	8.14%	7.45%	-54.94%
Free Cash Flow	-15,164	-98,648	-207,991	-205,147	-205,964	326,459
Free Cash Flow Per Share	-4.27	-27.77	-58.55	-57.75	-114.14	302.36
Dividend Per Share	18.000	18.000	-	-	-	-
Operating Margin	53.80%	57.75%	59.54%	61.16%	40.63%	44.21%
Profit Margin	41.44%	44.94%	45.78%	44.34%	31.18%	19.13%
Free Cash Flow Margin	-10.61%	-68.14%	-158.96%	-159.83%	-240.24%	419.55%
Effective Tax Rate	22.10%	19.64%	19.97%	21.57%	18.02%	39.28%
Revenue as Reported	178,615	182,531	173,680	158,963	115,383	158,890

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