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PT BFI Finance Indonesia Tbk (BFIN.JK)
Tangerang Selatan, ID
PT BFI Finance Indonesia Tbk, a financial services company founded in 1982 and based in Tangerang Selatan, Indonesia, offers a diverse array of financing solutions. Its core business activities encompass investment, working capital, multipurpose loans, and sharia-compliant financial products. The company operates through distinct segments focusing on vehicle financing (for both cars and motorcycles) and other asset-backed financing. It provides credit for acquiring new and used cars via a network of dealers and sales representatives, alongside financing specifically for pre-owned motorcycles. Beyond individual vehicle purchases, PT BFI Finance Indonesia Tbk also extends its services to various industries. It offers financing for new and used heavy equipment, industrial machinery, commercial trucks, public transportation vehicles, and other specialized equipment. This support caters to a broad spectrum of sectors, including mining, trade, construction, service industries, agriculture, manufacturing, transportation, and infrastructure development. Furthermore, its portfolio includes property-backed financing, such as mortgages for houses and shophouses. The company facilitates working capital provisions, offers funding facilities, finances large-scale projects and infrastructure, operates IT-based borrowing and lending platforms, and provides factoring services. As of December 31, 2021, PT BFI Finance Indonesia Tbk maintained a substantial presence throughout Indonesia with 217 operational branches, including 45 dedicated Sharia representative branches and 57 kiosks. The company was formerly known as PT Bunas Finance Indonesia Tbk until it officially changed its name to PT BFI Finance Indonesia Tbk in June 2001.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.13% | -4.17% | -13.75% | -12.10% | -8.00% | -2.82% | -23.33% | -48.12% | -15.34% | +179.35% | +10,940.00% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 1 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +17.9%+5.9% Q1'26: +5.1% (vs Q1'25)
-
EPS growth Financial - Credit Services: +17.2%-1.3% Q1'26: -11.1% (vs Q1'25)
-
FCF margin Financial - Credit Services: +31.1%+24.8% Q1'26: +12.7% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +32.4%+44.8% ★ Q1'26: +28.6% (vs Q1'25)
-
ROIC Financial - Credit Services: +4.8%+10.3% ★ Q1'26: +7.0% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+2.4% Q1'26: -1.5% (vs Q1'25)
-
Debt / EBITDA Financial - Credit Services: 3.75×4.36× Q1'26: 6.08× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 4 Rev. Ana. 4 EPS Ana. |
Dec 2027 4 Rev. Ana. 4 EPS Ana. |
Dec 2028 3 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.16T
est: 1.92T (+12.6%)
|
3.13T
est: 2.44T (+28.7%)
|
3.94T
est: 3.00T (+31.4%)
|
4.91T
est: 3.98T (+23.4%)
|
5.05T
est: 4.15T (+21.9%)
|
4.36T
est: 3.65T (+19.3%)
|
3.85T
est: 4.09T (-5.9%)
|
5.14T
est: 4.28T (+20.2%)
|
6.15T
est: 4.23T (+45.2%)
|
6.14T
est: 5.44T (+12.8%)
|
6.50T
est: 5.80T (+12.1%)
|
6.04T
5.58T – 6.37T
+4.2% YoY
|
6.40T
5.75T – 6.75T
+6.0% YoY
|
6.71T
6.71T – 6.71T
+4.8% YoY
|
| EBITDA |
1.07T
est: 777.21B (+37.6%)
|
1.32T
est: 986.63B (+34.2%)
|
1.88T
est: 1.22T (+55.0%)
|
2.33T
est: 1.61T (+44.6%)
|
1.56T
est: 1.68T (-6.8%)
|
1.24T
est: 1.48T (-16.0%)
|
1.75T
est: 1.66T (+5.4%)
|
2.53T
est: 1.73T (+45.7%)
|
2.51T
est: 1.88T (+33.4%)
|
2.38T
est: 2.42T (-1.6%)
|
3.12T
est: 2.58T (+21.1%)
|
2.68T
2.48T – 2.83T
+4.2% YoY
|
2.84T
2.55T – 3.00T
+6.0% YoY
|
2.98T
2.98T – 2.98T
+4.8% YoY
|
| EBIT |
1.00T
est: 717.36B (+39.5%)
|
1.25T
est: 910.65B (+37.6%)
|
1.81T
est: 1.12T (+61.3%)
|
2.25T
est: 1.49T (+51.0%)
|
1.47T
est: 1.55T (-5.0%)
|
1.12T
est: 1.37T (-18.1%)
|
1.62T
est: 1.53T (+6.0%)
|
2.38T
est: 1.60T (+48.8%)
|
2.32T
est: 1.75T (+32.6%)
|
2.16T
est: 2.24T (-3.6%)
|
2.91T
est: 2.39T (+21.9%)
|
2.49T
2.30T – 2.63T
+4.2% YoY
|
2.64T
2.37T – 2.78T
+6.0% YoY
|
2.77T
2.77T – 2.77T
+4.8% YoY
|
| Net Income |
650.29B
est: 568.96B (+14.3%)
|
798.37B
est: 762.50B (+4.7%)
|
1.19T
est: 1.14T (+4.3%)
|
1.47T
est: 1.37T (+7.3%)
|
711.69B
est: 727.91B (-2.2%)
|
701.60B
est: 646.96B (+8.4%)
|
1.13T
est: 1.07T (+6.2%)
|
1.81T
est: 1.58T (+14.5%)
|
1.64T
est: 1.48T (+11.0%)
|
1.56T
est: 1.49T (+5.0%)
|
1.58T
est: 1.53T (+3.3%)
|
1.67T
1.49T – 1.84T
+9.0% YoY
|
1.67T
1.65T – 2.10T
+0.0% YoY
|
1.90T
1.75T – 2.12T
+13.9% YoY
|
| SGA |
217.58B
est: 180.71B (+20.4%)
|
264.22B
est: 229.40B (+15.2%)
|
341.11B
est: 282.63B (+20.7%)
|
372.17B
est: 375.15B (-0.8%)
|
514.75B
est: 390.51B (+31.8%)
|
334.03B
est: 344.10B (-2.9%)
|
445.68B
est: 385.70B (+15.6%)
|
532.69B
est: 403.13B (+32.1%)
|
548.08B
est: 413.97B (+32.4%)
|
527.84B
est: 531.91B (-0.8%)
|
613.92B
est: 567.02B (+8.3%)
|
590.78B
545.22B – 622.55B
+4.2% YoY
|
626.03B
562.39B – 659.60B
+6.0% YoY
|
655.80B
655.80B – 655.80B
+4.8% YoY
|
| EPS |
41.70
est: 37.83 (+10.2%)
|
52.00
est: 50.70 (+2.6%)
|
79.00
est: 75.70 (+4.4%)
|
98.09
est: 90.95 (+7.9%)
|
47.56
est: 48.40 (-1.7%)
|
46.88
est: 43.02 (+9.0%)
|
75.60
est: 70.85 (+6.7%)
|
120.65
est: 104.94 (+15.0%)
|
109.31
est: 98.49 (+11.0%)
|
104.05
est: 99.08 (+5.0%)
|
102.74
est: 105.00 (-2.2%)
|
105.77
96.96 – 119.82
+0.7% YoY
|
120.87
107.17 – 136.48
+14.3% YoY
|
125.30
113.80 – 137.55
+3.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-26 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-25 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-22 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-21 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-20 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-19 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-18 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-13 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-12 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-11 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-08 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-07 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-06 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-05 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-04 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-15 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-14 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-13 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-10 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Budi Darwan Munthe | Head of Corporate Compliance, Head of Corporate Secretariat & Corporate Secretary | — | male |
| Francisca Susilawati | Head of Corporate Communication & CSR | — | — |
| Ika Santi | Head of Insurance & Operation Service | — | female |
| Jefry Suryo | Head of Financial Planning & Control | — | male |
| Margaretha Tarigan | Head of Operations & Service Excellence | — | — |
| Ng Koon Pek | Head of Investor Relations | — | female |
| Sudjono | Finance Director & Director | — | male |
| Sutadi | President Director | — | male |
| Tan Rudy Eddywidjaja | Business Director & Director | — | male |
| Ute Gerdanovita | Head of Human Capital | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BFIN.JK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
