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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	178,389	163,323	142,602	112,851	149,331	191,741
Total Interest Expense	31,500	25,770	8,206	19,878	55,806	83,420
Net Interest Income	146,890	137,553	134,396	92,973	93,525	108,321
Gain (Loss) on Sale of Investments	277.39	1,236	1,237	197.67	1,009	54.93
Other Revenue	6,593	6,266	12,186	1,341	4,119	1,032
Revenue Before Loan Losses	153,760	145,056	147,819	94,512	98,654	109,408
Provision for Loan Losses	7,234	13,884	19,470	8,781	20,842	18,000
Revenue	146,525	131,172	128,350	85,731	77,811	91,408
Revenue Growth (YoY)	20.06%	2.20%	49.71%	10.18%	-14.87%	-0.23%
Salaries & Employee Benefits	42,422	39,402	35,000	31,820	30,525	36,168
Cost of Services Provided	10,831	11,038	11,281	13,267	9,240	15,138
Other Operating Expenses	-839.5	-2,843	-2,644	-865.4	-831.4	-5,019
Total Operating Expenses	59,118	53,270	49,856	50,902	43,412	47,900
Operating Income	87,407	77,901	78,493	34,829	34,399	43,508
Currency Exchange Gain (Loss)	-237.66	-161.45	161.44	-496.7	-584.93	1,992
EBT Excluding Unusual Items	81,955	74,833	72,423	32,480	27,656	43,771
Pretax Income	81,960	74,845	72,555	32,607	24,515	43,774
Income Tax Expense	17,157	14,949	15,651	5,876	9,629	10,740
Net Income	64,802	59,896	56,904	26,732	14,885	33,034
Net Income to Common	64,802	59,896	56,904	26,732	14,885	33,034
Net Income Growth	21.86%	5.26%	112.87%	79.58%	-54.94%	18.67%
Shares Outstanding (Basic)	3,552	3,552	3,552	1,805	1,080	1,080
Shares Outstanding (Diluted)	3,552	3,552	3,552	1,805	1,080	1,080
Shares Change (YoY)	-	-	96.85%	67.13%	-	-
EPS (Basic)	18.24	16.86	16.02	14.81	13.79	30.60
EPS (Diluted)	18.24	16.86	16.02	14.81	13.79	30.60
EPS Growth	21.86%	5.26%	8.14%	7.45%	-54.94%	18.67%
Free Cash Flow	23,867	-207,991	-205,147	-205,964	326,459	287,587
Free Cash Flow Per Share	6.72	-58.55	-57.75	-114.14	302.36	266.36
Operating Margin	59.65%	59.39%	61.16%	40.63%	44.21%	47.60%
Profit Margin	44.23%	45.66%	44.34%	31.18%	19.13%	36.14%
Free Cash Flow Margin	16.29%	-158.56%	-159.83%	-240.24%	419.55%	314.62%
Effective Tax Rate	20.93%	19.97%	21.57%	18.02%	39.28%	24.54%
Revenue as Reported	186,111	173,680	158,963	115,383	158,890	199,843

Source: S&P Capital IQ. Financial Services template. Financial Sources.