JKT:BFIN

PT BFI Finance Indonesia Tbk · JKT · Financial Services · IDR · FY for 2025

Figures on this page computed 2026-11-07 13:53 UTC

Last close

n/aIDR

Market data

We are not showing closes for this listing. A line drawn through points we do not hold would look exactly like a listing that did not move.

7.0xP/E
Price / Earnings per Share (diluted)
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed
- Computed from the filing for 2025
n/aROIC
We do not hold this figure for this company, so there is nothing to place.
NOPAT / Invested Capital x 100, where NOPAT = Operating Income x (1 - Tax Rate) and Invested Capital = Equity + Total Debt - Cash
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
24.3%Net margin
Net Income / Revenue x 100
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
19.1%FCF margin
Free Cash Flow / Revenue x 100
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
n/aDebt/equity
We do not hold this figure for this company, so there is nothing to place.
Total Debt / Shareholders' Equity
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
9.0%Dividend yield
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed

Safety is the furthest below its sector's middle: 0.49 against 0.58 on the market's range.

Five bars, one line

lens 7 of 9

1.35x

1.27x

15.05x

1.24x

n/a

SalesProfitFree cash flowDebtPrice

Each bar against this company's own average; the line is that average.

Computed2025

Market datan/a

Each against its own average

4 of 5 read

Except where said otherwise: Computed from the filing for 2025

Sales1.35x
Its own average over 10 years, 4.82T.
Profit1.27x
Its own average over 10 years, 1.24T.
Free cash flow15.05x
Its own average over 10 years, 82.48B.
Debt1.24x
Its own average over 10 years, 10.93T.
Pricen/a
Its own average over 0 years. Market data

Free cash flow is furthest from its own average, at 15.05 times.

The filed years, as a table

Each line is 100 at 2015-12-31, the first year we hold.

Filed year	Sales	Profit	Shares in issue
2015-12-31	100.0	100.0	100.0
2017-12-31	182.6	182.6	96.0
2018-12-31	227.5	225.7	96.0
2019-12-31	233.9	109.4	96.0
2020-12-31	201.7	107.9	96.0
2021-12-31	178.4	174.0	96.0
2022-12-31	238.1	277.8	96.0
2023-12-31	284.6	252.8	96.4
2024-12-31	284.2	240.6	96.4
2025-12-31	301.0	243.3	98.7

How sales was got

Source: computed
Statement: income
Fiscal year: 2025
Reported in: IDR

How profit was got

Source: computed
Statement: income
Fiscal year: 2025
Reported in: IDR

How shares in issue was got

Source: computed
Statement: income
Fiscal year: 2025
Reported in: IDR

Figures behind the shape

Growth

8.3%

faster is higher, placed against 4,950 companies as of 2026-11-06

Five-year revenue growth rate8.3%
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed
Five-year EPS growth rate17.0%
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed
One-year change in net income1.1%
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed

Returns on capital

14.8%

higher is higher, placed against 5,089 companies as of 2026-11-06

Return on invested capitaln/a
We do not hold this figure for this company, so there is nothing to place.
NOPAT / Invested Capital x 100, where NOPAT = Operating Income x (1 - Tax Rate) and Invested Capital = Equity + Total Debt - Cash
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
Return on equity14.8%
Net Income / Shareholders' Equity x 100
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
Return on assets6.2%
Net Income / Total Assets x 100
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025

Margins

93.7%

wider is higher, placed against 3,412 companies as of 2026-11-06

Gross margin93.7%
Gross Profit / Revenue x 100
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
Operating margin44.9%
Operating Income / Revenue x 100
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
Net margin24.3%
Net Income / Revenue x 100
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
Free cash flow margin19.1%
Free Cash Flow / Revenue x 100
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025

Price

7.0x

cheaper is higher, placed against 4,362 companies as of 2026-11-06

Price to earnings7.0x
Price / Earnings per Share (diluted)
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed
- Computed from the filing for 2025
Price to book1.0x
Price / Book Value per Share, where BVPS = Shareholders' Equity / Diluted Shares
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed
- Computed from the filing for 2025
- computed
- Computed from the filing for 2025
EV to EBITDAn/a
We do not hold this figure for this company, so there is nothing to place.
Enterprise Value / EBITDA, where EV = Market Cap + Total Debt - Cash
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
Price to sales ratio1.7x
Market Cap / Revenue, where Market Cap = Price x Diluted Shares
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed
- Computed from the filing for 2025
- Computed from the filing for 2025

Safety

2.43

safer is higher, placed against 1,436 companies as of 2026-11-06

Debt to equityn/a
We do not hold this figure for this company, so there is nothing to place.
Total Debt / Shareholders' Equity
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
Current ratio2.43
Current Assets / Current Liabilities
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
Interest coverage3.1x
Operating Income / Interest Expense
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
Altman Z-Scoren/a
This measure is not defined for this kind of company, so there is no peer group it belongs in.
1.2 x A + 1.4 x B + 3.3 x C + 0.6 x D + 1.0 x E (A=WC/TA, B=RE/TA, C=EBIT/TA, D=MktCap/TL, E=Rev/TA)
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025

What it pays out

9.0%

more, and better covered, is higher, placed against 1,091 companies as of 2026-11-06

Dividend yield9.0%
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed
Payout ratio63.3%
Common Dividends Paid / Net Income x 100, both from the latest filed fiscal year
Source
computed
Taken on
2026-11-07
Reported in
IDR
- Computed from the filing for 2025
- Computed from the filing for 2025
- Computed from the filing for 2025
Dividend cover ratio1.2x
Source
computed
Taken on
2026-11-07
Reported in
IDR
- computed

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