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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	169,145	171,051	181,049	163,323	142,602	112,851
Total Interest Expense	28,831	29,855	32,686	26,094	8,206	19,878
Net Interest Income	140,315	141,196	148,363	137,228	134,396	92,973
Gain (Loss) on Sale of Investments	262.33	262.33	481.46	1,236	1,237	197.67
Other Revenue	5,247	5,351	997.74	6,266	12,186	1,341
Revenue Before Loan Losses	145,905	146,890	149,842	144,731	147,819	94,512
Provision for Loan Losses	4,071	2,781	5,081	13,884	19,470	8,781
Revenue	141,835	144,110	144,761	130,847	128,350	85,731
Revenue Growth (YoY)	2.38%	-0.45%	10.63%	1.95%	49.71%	10.18%
Salaries & Employee Benefits	48,788	46,568	43,214	39,402	35,000	31,820
Cost of Services Provided	13,743	13,057	10,605	10,714	11,281	13,267
Other Operating Expenses	265.27	265.27	714.03	-2,843	-2,644	-865.4
Total Operating Expenses	68,545	65,639	61,156	52,946	49,856	50,902
Operating Income	73,289	78,471	83,605	77,901	78,493	34,829
Currency Exchange Gain (Loss)	72.64	36.24	-151.69	-161.45	161.44	-496.7
EBT Excluding Unusual Items	71,373	77,564	80,943	74,833	72,423	32,480
Pretax Income	71,373	77,564	80,943	74,845	72,555	32,607
Income Tax Expense	9,485	11,258	15,894	14,949	15,651	5,876
Net Income	61,888	66,306	65,049	59,896	56,904	26,732
Net Income to Common	61,888	66,306	65,049	59,896	56,904	26,732
Net Income Growth	3.81%	1.93%	8.60%	5.26%	112.87%	79.58%
Shares Outstanding (Basic)	3,550	3,552	3,552	3,552	3,552	1,805
Shares Outstanding (Diluted)	3,550	3,552	3,552	3,552	3,552	1,805
Shares Change (YoY)	-0.07%	-	-	-	96.85%	67.13%
EPS (Basic)	17.43	18.67	18.31	16.86	16.02	14.81
EPS (Diluted)	17.43	18.67	18.31	16.86	16.02	14.81
EPS Growth	3.89%	1.93%	8.60%	5.26%	8.14%	7.45%
Free Cash Flow	-30,766	59,476	-98,648	-207,991	-205,147	-205,964
Free Cash Flow Per Share	-8.67	16.74	-27.77	-58.55	-57.75	-114.14
Dividend Per Share	-	-	18.000	-	-	-
Operating Margin	51.67%	54.45%	57.75%	59.54%	61.16%	40.63%
Profit Margin	43.63%	46.01%	44.94%	45.78%	44.34%	31.18%
Free Cash Flow Margin	-21.69%	41.27%	-68.14%	-158.96%	-159.83%	-240.24%
Effective Tax Rate	13.29%	14.51%	19.64%	19.97%	21.57%	18.02%
Revenue as Reported	174,820	176,793	182,531	173,680	158,963	115,383

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