BFI Finance Indonesia Tbk.
935
09 Oct 2026
PER
8,66
PBV
1,34
ROE
15,47%
Current Ratio
2,43
DER
139,11%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Info Umum
Tentang Perusahaan
PT BFI Finance Indonesia Tbk engages in the investment, working capital, multipurpose, and sharia financing activities. The company operates through Cars, Motorcycles, and Others segments. It provides new and used car financing products through dealers and sales representatives; used motorcycles financing products; and new and used heavy equipment, machinery, truck and public transportation, and other equipment financing services for mining, trading, construction, services, agriculture, manufacturing, transportation, infrastructure, and other sectors. The company also offers property backed financing, which includes house and shophouse financing products; working capital and funding facility; project and infrastructure financing products; IT-based borrowing and lending services; and factoring services. As of December 31, 2021, it operated 217 branches comprising 45 Sharia representative branches and 57 kiosks in Indonesia. The company was formerly known as PT Bunas Finance Indonesia Tbk and changed its name to PT BFI Finance Indonesia Tbk in June 2001. PT BFI Finance Indonesia Tbk was founded in 1982 and is headquartered in Tangerang Selatan, Indonesia.
Rasio
Rasio Profitabilitas
Management Effectiveness
Rasio Liquiditas & Leverage
Rasio Aktivitas
Valuasi
Current Valuation
Per Share
Ukuran Perusahaan
Growth (TTM vs Tahun Terbaru)
Screening ala Graham
8 / 9Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
5 / 9Altman Z-Score
2.35Model prediksi risiko kebangkrutan Edward Altman (1968) — Z > 2,99 Safe Zone, 1,81–2,99 Grey Zone, di bawah 1,81 Distress Zone.
Graham Valuation
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Pertumbuhan Rata-rata (CAGR)
Solvabilitas
Likuiditas
Profitabilitas
Valuasi
Laba Kotor
Laba Bersih
Margin Laba Kotor
Margin Laba Operasi
Margin Laba Bersih
Imbal Hasil Aset (ROA)
Imbal Hasil Ekuitas (ROE)
Current Ratio
Quick Ratio
Debt to Equity Ratio (DER)
Perputaran Aset
Perputaran Persediaan
Perputaran Piutang
Tren historis per tahun buku berdasarkan laporan laba rugi & neraca yang tersedia. Batang berwarna merah menandakan nilai negatif.
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6.597.843.000.000 | 6.483.984.000.000 | 6.084.290.000.000 | 6.125.068.000.000 | 5.140.275.000.000 | 3.852.959.000.000 | 4.357.470.000.000 | 3.368.540.000.000 |
| Cost of Revenue | 2.182.255.000.000 | 2.186.840.000.000 | 2.137.987.000.000 | 2.069.284.000.000 | 1.753.746.000.000 | 1.378.055.000.000 | 1.644.000.000.000 | 60.837.000.000 |
| Gross Profit | 4.415.588.000.000 | 4.297.144.000.000 | 3.946.303.000.000 | 4.055.784.000.000 | 3.386.529.000.000 | 2.474.904.000.000 | 2.713.470.000.000 | 3.307.700.000.000 |
| Operating Expenses | 2.123.620.000.000 | 2.050.431.000.000 | 1.791.630.000.000 | 1.729.017.000.000 | 1.176.228.000.000 | 1.039.183.000.000 | 1.710.500.000.000 | 1.537.730.000.000 |
| Operating Income | 2.291.968.000.000 | 2.246.713.000.000 | 2.154.673.000.000 | 2.326.767.000.000 | 2.210.301.000.000 | 1.435.721.000.000 | 1.002.970.000.000 | 1.830.810.000.000 |
| EBIT | 2.260.256.000.000 | 2.180.317.000.000 | 2.162.476.000.000 | 2.315.535.000.000 | 2.381.838.000.000 | — | 0 | 0 |
| Income Before Tax | 2.054.790.000.000 | 1.973.081.000.000 | 1.926.614.000.000 | 2.025.252.000.000 | 2.238.681.000.000 | 1.410.958.000.000 | 869.996.000.000 | 1.840.100.000.000 |
| Net Income | 1.648.521.000.000 | 1.581.841.000.000 | 1.564.811.000.000 | 1.643.888.000.000 | 1.806.680.000.000 | 1.131.293.000.000 | 701.595.000.000 | 1.467.790.000.000 |
| Basic EPS | 108,00 | 103,00 | 0,00 | 109,00 | 121,00 | 76,00 | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 25.472.524.000.000 | 25.119.820.000.000 | 23.991.435.000.000 | 21.929.634.000.000 |
| Aset Lancar | 24.352.816.000.000 | 23.960.101.000.000 | 22.734.772.000.000 | 20.815.320.000.000 |
| Kas | 1.552.212.000.000 | 1.614.126.000.000 | 1.739.659.000.000 | 1.073.255.000.000 |
| Piutang | 22.394.470.000.000 | 22.012.814.000.000 | 20.706.393.000.000 | 19.554.254.000.000 |
| Persediaan | — | — | — | — |
| Total Liabilitas | 14.819.233.000.000 | 14.938.155.000.000 | 14.491.639.000.000 | 13.173.725.000.000 |
| Liabilitas Lancar | 10.024.784.000.000 | 8.050.399.000.000 | 763.206.000.000 | 974.313.000.000 |
| Long Term Debt | 4.442.099.000.000 | 6.536.721.000.000 | 13.386.635.000.000 | 11.828.398.000.000 |
| Total Ekuitas | 10.652.929.000.000 | 10.181.103.000.000 | 9.499.098.000.000 | 8.755.123.000.000 |
| Working Capital | 14.328.032.000.000 | 15.909.702.000.000 | 21.971.566.000.000 | 19.841.007.000.000 |
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | 2.474.911.000.000 | 1.413.431.000.000 | 489.540.000.000 | 301.895.000.000 | -3.521.594.000.000 | 0 |
| Kas dari Aktivitas Investasi | -127.663.000.000 | -143.587.000.000 | -105.240.000.000 | -360.307.000.000 | -238.199.000.000 | 0 |
| Kas dari Aktivitas Pembiayaan | -2.208.811.000.000 | -1.331.758.000.000 | -509.833.000.000 | 724.816.000.000 | 3.863.866.000.000 | 0 |
| Capital Expenditures | -156.185.000.000 | -172.106.000.000 | -145.471.000.000 | -387.687.000.000 | -269.831.000.000 | 0 |
| Arus Kas Bebas (FCF) | 2.318.726.000.000 | 1.241.325.000.000 | 344.069.000.000 | -85.792.000.000 | -3.791.425.000.000 | 0 |
| Dividen Dibayar | -1.035.958.000.000 | -1.000.989.000.000 | -827.166.000.000 | -902.363.000.000 | -570.747.000.000 | 0 |