CFIN
Clipan Finance Indonesia Tbk.
356
09 Oct 2026
PER
6,06
PBV
0,25
ROE
4,04%
Current Ratio
22,20
DER
64,66%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Sektor
Keuangan
Sub Sektor
Jasa Pembiayaan
Industri
Pembiayaan Konsumen
Sub Industri
Pembiayaan Konsumen
Business Line
—
Product & Commodity
—
Info Umum
Tanggal Pencatatan
—
Mata Uang
IDR
Website
https://www.clipan.co.id
Email
—
Telepon
—
Alamat
Wisma Slipi - 6th Floor Jl. Letjend. S. Parman Kav. 12, Jakarta
Tentang Perusahaan
PT. Clipan Finance Indonesia Tbk provides financial leasing, consumer financing, and factoring services. It offers used car and fleet financing; cash fund financing for home renovation, education, health, tourism, etc.; and heavy equipment financing for mining, industry, plantations, forestry, barges, tugboats, and production machinery. The company was founded in 1982 and is headquartered in Jakarta, Indonesia. PT. Clipan Finance Indonesia Tbk is a subsidiary of PT Bank Pan Indonesia Tbk.
Rasio
Rasio Profitabilitas
Gross Profit Margin (TTM)
63,39%
Operating Profit Margin (TTM)
51,71%
Net Profit Margin (TTM)
16,87%
Management Effectiveness
ROA (TTM)
2,46%
ROE (TTM)
4,04%
Asset Turnover (TTM)
0,15x
Rasio Liquiditas & Leverage
Current Ratio
22,20
Quick Ratio
22,20
Debt to Equity Ratio (DER)
64,66%
Rasio Aktivitas
Perputaran Aset (TTM)
0,15x
Inventory Turnover (TTM)
—
Receivables Turnover (TTM)
0,34x
Valuasi
Current Valuation
Current PE Ratio (Annual)
6,68
Current PE Ratio (TTM)
6,06
Earning Yield (Annual)
14,96%
Earning Yield (TTM)
16,50%
Earning Yield (Greenblatt: EBIT/EV)
14,75%
Current Price to Book Value
0,25
Current Price to Sales (TTM)
1,02
Current Price to Cashflow (TTM)
2,03
EV to EBITDA (TTM)
6,34
Fair Value (Graham Number)
1.385
Per Share
EPS (Annual)
53
EPS (TTM)
59
Book Value per Share
1.452
Revenue per Share (Annual)
357
Revenue per Share (TTM)
348
Cash Flow per Share (Annual)
206
Cash Flow per Share (TTM)
176
Ukuran Perusahaan
Market Cap
1,42 T
Enterprise Value
4,86 T
Saham Beredar
3,98 M
Total Aset
9,53 T
Total Ekuitas
5,79 T
Free Cash Flow (Annual)
819,18 M
Growth (TTM vs Tahun Terbaru)
Revenue Growth
-2,43%
Gross Profit Growth
-0,93%
Net Income Growth
10,28%
Screening ala Graham
9 / 9
Bukan Saham Teknologi
Lulus
Termasuk Sektor Keuangan
Lulus
Revenue Lebih dari Rp175 Miliar
Lulus
Current Ratio > 2
Lulus
Utang Jangka Panjang < Modal Kerja Bersih
Lulus
PER Wajar (< 15)
Lulus
PER x PBV < 22
Lulus
DER Rendah (< 100%)
Lulus
Membagikan Dividen
Lulus
Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
7 / 9
Arus kas operasi positif
Lulus
ROA membaik
Lulus
Rasio utang jangka panjang menurun
Lulus
Kualitas laba (OCF > laba bersih)
Lulus
Laba bersih positif
Lulus
Jumlah saham tidak bertambah
Lulus
Gross margin membaik
Gagal
Current ratio membaik
Lulus
Asset turnover membaik
Gagal
Altman Z-Score
1.75
Modal Kerja / Total Aset
0.40
Laba Ditahan / Total Aset
0.46
EBIT / Total Aset
0.08
Nilai Pasar Ekuitas / Total Liabilitas
0.38
Penjualan / Total Aset
0.15
Zona
Distress Zone
Model 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
Fair Value (Graham Number)
1.385
Harga Saat Ini
356
Selisih
1.029
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Laba
Laba Naik
Laba Naik < 20%
Penjualan Turun < 20%
Hutang Turun < 20%
Pertumbuhan Rata-rata (CAGR)
Modal Naik Rata2 > 10%
Modal Naik Rata2 > 20%
Modal Naik Rata2 > 40%
Penjualan Naik Rata2 > 10%
Laba Naik Rata2 > 20%
Solvabilitas
DER < 0.5x
DER < 1x
Likuiditas
Aset Lancar > Hutang Lancar
Profitabilitas
ROE > 10%
Margin Laba Kotor > 20%
Margin Laba Kotor > 40%
Margin Laba Kotor > 60%
Margin Laba Kotor > 80%
Margin Laba Operasi > 10%
Margin Laba Operasi > 20%
Margin Laba Bersih > 10%
Margin Laba Bersih > 20%
Margin Laba Bersih > 30%
Valuasi
Nilai Buku < Harga
Laba Kotor
1,22 T
2018
906,85 M
2020
767,44 M
2021
920,52 M
2022
1,06 T
2023
1,01 T
2024
887,53 M
2025
Laba Bersih
305,14 M
2018
46,57 M
2020
46,31 M
2021
310,72 M
2022
815,01 M
2023
214,80 M
2024
212,22 M
2025
Margin Laba Kotor
99,7%
2018
53,0%
2020
59,4%
2021
70,2%
2022
68,1%
2023
63,2%
2024
62,4%
2025
Margin Laba Operasi
68,6%
2018
45,0%
2020
47,9%
2021
53,4%
2022
54,8%
2023
51,2%
2024
52,0%
2025
Margin Laba Bersih
25,0%
2018
2,7%
2020
3,6%
2021
23,7%
2022
52,3%
2023
13,4%
2024
14,9%
2025
Imbal Hasil Aset (ROA)
-
2018
-
2020
-
2021
3,9%
2022
8,2%
2023
2,1%
2024
2,2%
2025
Imbal Hasil Ekuitas (ROE)
-
2018
-
2020
-
2021
6,1%
2022
14,8%
2023
3,7%
2024
3,7%
2025
Current Ratio
-
2018
-
2020
-
2021
5,90x
2022
5,34x
2023
20,22x
2024
22,20x
2025
Quick Ratio
-
2018
-
2020
-
2021
5,90x
2022
5,34x
2023
20,22x
2024
22,20x
2025
Debt to Equity Ratio (DER)
-
2018
-
2020
-
2021
57,5%
2022
79,3%
2023
75,5%
2024
64,7%
2025
Perputaran Aset
-
2018
-
2020
-
2021
0,16x
2022
0,16x
2023
0,16x
2024
0,15x
2025
Perputaran Persediaan
-
2018
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Perputaran Piutang
-
2018
-
2020
-
2021
0,44x
2022
0,45x
2023
0,39x
2024
0,35x
2025
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 | 1.387.155.247.000 | 1.421.631.332.000 | 1.601.612.576.000 | 1.559.006.237.000 | 1.310.515.929.000 | 1.293.084.403.000 | 1.711.970.000.000 | 1.219.630.000.000 |
| Cost of Revenue | 507.904.362.000 | 534.097.909.000 | 589.512.939.000 | 496.721.512.000 | 389.996.867.000 | 525.642.435.000 | 805.117.000.000 | 3.191.724.000 |
| Gross Profit | 879.250.885.000 | 887.533.423.000 | 1.012.099.637.000 | 1.062.284.725.000 | 920.519.062.000 | 767.441.968.000 | 906.852.000.000 | 1.216.440.000.000 |
| Operating Expenses | 161.913.276.000 | 148.393.545.000 | 192.541.254.000 | 208.071.174.000 | 221.043.350.000 | 148.116.582.000 | 135.916.000.000 | 383.573.000.000 |
| Operating Income | 717.337.609.000 | 739.139.878.000 | 819.558.383.000 | 854.213.551.000 | 699.475.712.000 | 619.325.386.000 | 770.936.000.000 | 836.061.000.000 |
| EBIT | 717.337.609.000 | 739.139.878.000 | 819.558.383.000 | 854.213.551.000 | 699.475.712.000 | — | 0 | 0 |
| Income Before Tax | 303.459.555.000 | 270.376.405.000 | 273.717.125.000 | 1.035.010.028.000 | 399.500.714.000 | 39.694.721.000 | 60.533.160.000 | 412.306.000.000 |
| Net Income | 234.027.192.000 | 212.215.701.000 | 214.801.061.000 | 815.005.393.000 | 310.722.192.000 | 46.306.100.000 | 46.566.702.000 | 305.138.000.000 |
| Basic EPS | 58,73 | 53,26 | 53,91 | 204,54 | 77,98 | 11,62 | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 9.527.015.875.000 | 10.117.766.411.000 | 9.911.254.148.000 | 8.049.255.816.000 |
| Aset Lancar | 4.022.630.580.000 | 4.118.869.821.000 | 3.831.254.403.000 | 3.001.215.158.000 |
| Kas | 27.522.601.000 | 27.781.080.000 | 32.721.347.000 | 31.326.050.000 |
| Piutang | 4.059.152.082.000 | 4.143.453.767.000 | 3.495.082.750.000 | 2.980.214.900.000 |
| Persediaan | — | — | — | — |
| Total Liabilitas | 3.741.005.298.000 | 4.352.882.158.000 | 4.384.495.690.000 | 2.938.173.032.000 |
| Liabilitas Lancar | 181.158.794.000 | 203.654.473.000 | 717.140.463.000 | 508.900.552.000 |
| Long Term Debt | 3.448.515.279.000 | 4.016.211.331.000 | 3.542.332.150.000 | 2.305.259.413.000 |
| Total Ekuitas | 5.786.010.577.000 | 5.764.884.253.000 | 5.526.758.458.000 | 5.111.082.784.000 |
| Working Capital | 3.841.471.786.000 | 3.915.215.348.000 | 3.114.113.940.000 | 2.492.314.606.000 |
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | 852.293.769.000 | 835.850.959.000 | -41.842.766.000 | -1.066.641.838.000 | -522.547.568.000 | 0 |
| Kas dari Aktivitas Investasi | -17.362.257.000 | -12.643.612.000 | -17.043.101.000 | -29.967.472.000 | -30.606.538.000 | 0 |
| Kas dari Aktivitas Pembiayaan | -811.499.142.000 | -823.465.826.000 | 53.945.600.000 | 1.098.004.607.000 | 457.700.054.000 | 0 |
| Capital Expenditures | -21.929.274.000 | -16.667.283.000 | -35.443.368.000 | -34.271.853.000 | -34.284.979.000 | 0 |
| Arus Kas Bebas (FCF) | 830.364.495.000 | 819.183.676.000 | -77.286.134.000 | -1.100.913.691.000 | -556.832.547.000 | 0 |
| Dividen Dibayar | 0 | -199.149.543.000 | 0 | -398.452.045.000 | 0 | 0 |