Tifa Finance Tbk

TIFA · JK · Financial Services / Credit Services

278.00IDR+6.00 (+2.21%)

Price History

Full chart

Market Stats

Previous Close272.00

Open272.00

Day Range258.00 – 298.00

52-Week Range200.00 – 630.45

Volume97.10K

Market Cap1.17T

P/E (TTM)18.27

Forward P/E0.00

EPS17.95

Dividend Yield1.23%

Beta-0.21

50-Day Avg319.32

200-Day Avg345.37

About

PT KDB Tifa Finance Tbk engages in the investment financing, working capital financing, and multipurpose financing businesses in Indonesia. The company operates through four segments: Finance Lease, Multipurpose Financing, Sharia Financing, and Treasury. The company offers Finance Lease, Installment, Opeating Lease, and infrastructure Financing; Business Capital Facility; Factoring with Recourse, as well as Sharia financing comprising Ijarah Muntahiyah Bit Tamlik and Murabahah services. The company was formerly known as PT Tifa Finance Tbk and changed its name to PT KDB Tifa Finance Tbk in September 2020. The company was founded in 1989 and is headquartered in Jakarta Selatan, Indonesia. PT KDB Tifa Finance Tbk operates as a subsidiary of The Korea Development Bank.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Cho Jaeseong
Employees91
HeadquartersEquity Tower, Jakarta Selatan, Indonesia, 12190, Indonesia
Websitehttps://www.kdbtifa.co.id

Leadership

Mr. Cho JaeseongPresident Director
Ms. Ina Dashinta HamidHead of Operation Management & Director · b. 1962
Ms. Ester GunawanDirector of Finance & Information Technology · b. 1961
Mr. Kyung Woo KimDirector of Sales, Marketing & Business Development · b. 1974
Mr. Hartadi YusriHead of Human Resource & General Affairs
Ryan YusufSharia Business Unit
Feby FebrianChairman of Internal Audit
Meiliza YuniarHead of Treasury
Ms. Dwi IndriyanieCorporate Secretary · b. 1981
Darwin TanamasHead of Tax, Finance & Accounting

Financials

Income Statement

Currency: IDR	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	53.20B	64.04B	107.75B	152.30B	172.58B	78.01B	73.13B	290.20B	299.35B	348.57B	402.86B	356.19B	153.80B	113.89B	150.62B	165.38B	177.76B	176.67B
Growth (%)	-	+20.37%	+68.26%	+41.35%	+13.31%	-54.80%	-6.26%	+296.82%	+3.15%	+16.44%	+15.58%	-11.59%	-56.82%	-25.95%	+32.25%	+9.80%	+7.49%	-0.61%
Cost of Revenue	-	-	-	-	-	-	-	783.35M	2.30B	2.22B	2.14B	-	60.56B	20.23B	42.57B	64.29B	74.54B	5.75B
Gross Profit	-	-	-	-	-	78.01B	73.13B	290.20B	299.35B	348.57B	402.86B	356.19B	93.24B	93.66B	108.05B	101.09B	103.22B	170.92B
Gross Margin	-	-	-	-	-	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	60.62%	82.23%	71.74%	61.13%	58.07%	96.75%
Operating Expense	-	-	-	-	-	27.25B	23.50B	261.82B	169.69B	190.84B	216.78B	215.98B	68.73B	61.05B	18.13B	17.60B	19.30B	63.49B
Operating Income	37.02B	47.87B	89.50B	131.71B	148.84B	50.76B	49.63B	28.38B	129.66B	157.72B	186.09B	140.21B	24.51B	32.61B	89.92B	83.50B	83.91B	107.43B
Operating Margin	69.58%	74.76%	83.07%	86.48%	86.25%	65.07%	67.87%	9.78%	43.31%	45.25%	46.19%	39.36%	15.94%	28.63%	59.70%	50.49%	47.21%	60.81%
EBITDA	-	-	-	-	-	120.68B	144.94B	157.66B	234.85M	188.23B	245.31B	303.19B	89.56B	59.52B	96.14B	89.17B	90.54B	113.26B
EBITDA Margin	-	-	-	-	-	154.70%	198.19%	54.33%	0.08%	54.00%	60.89%	85.12%	58.23%	52.26%	63.83%	53.92%	50.93%	64.11%
Net Income	11.90B	18.10B	28.23B	39.30B	43.33B	31.58B	36.30B	20.06B	24.16B	30.86B	37.07B	33.03B	14.89B	26.73B	56.90B	59.90B	65.05B	66.31B
Net Income Margin	22.36%	28.27%	26.20%	25.80%	25.11%	40.48%	49.64%	6.91%	8.07%	8.85%	9.20%	9.27%	9.68%	23.47%	37.78%	36.22%	36.59%	37.53%
Interest Expense	0	0	0	0	0	0	0	0	392.89M	556.75M	562.46M	96.15B	60.56B	20.23B	8.21B	25.77B	104.84M	29.95B
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.16%	0.14%	26.99%	39.38%	17.77%	5.45%	15.58%	0.06%	16.95%

Balance Sheet

Currency: IDR	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	325.90B	415.20B	741.47B	1.01T	1.09T	1.03T	1.08T	1.35T	413.07B	400.92B	541.96B	1.21T	1.10T	1.40T	1.60T	1.80T	2.06T	2.04T
Total Liabilities	196.23B	270.66B	575.67B	808.08B	846.48B	770.09B	793.25B	1.05T	107.97B	107.97B	107.97B	841.36B	738.62B	363.49B	511.31B	651.59B	842.44B	822.33B
Total Equity	129.67B	144.55B	165.80B	206.05B	239.66B	260.45B	287.49B	296.24B	1.40T	1.63T	1.51T	370.71B	365.20B	1.03T	1.09T	1.15T	1.22T	1.22T
Cash	23.62B	2.89B	8.51B	11.65B	13.69B	30.24B	60.15B	109.62B	32.04B	15.75B	13.88B	12.17B	253.29B	250.44B	196.72B	112.55B	98.26B	12.36B
Total Debt	-	-	-	-	-	735.85B	635.95B	1.01T	698.81M	1.88B	1.01T	696.53B	671.62B	297.14B	788.72B	1.16T	798.14B	733.45B
Net Debt	-	-	-	-	-	705.62B	575.79B	898.54B	-31.34B	-13.87B	997.32B	684.36B	418.33B	44.84B	243.23B	1.05T	699.88B	721.09B

Cash Flow

Currency: IDR	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-	-	-	-	-	236.68B	86.24B	100.97B	90.03B	-117.75B	94.34B	288.44B	327.26B	-201.33B	-204.51B	-204.74B	-98.08B	59.67B
Investing Cash Flow	-	-	-	-	-	-102.92B	-69.21B	-337.16B	-218.94B	-152.84B	63.45M	-841.72M	11.50B	-124.72B	65.43B	18.98B	-83.42B	-8.34B
Financing Cash Flow	-	-	-	-	-	-118.41B	12.46B	280.87B	49.86B	253.65B	-65.22B	-318.54B	-213.97B	323.58B	115.07B	147.71B	199.63B	-140.57B
Capital Expenditure	0	0	0	0	0	103.91B	69.79B	338.84B	218.60B	153.38B	222.55M	850.84M	801.31M	4.89B	639.61M	3.25B	569.83M	189.17M
Free Cash Flow	-	-	-	-	-	132.77B	16.44B	-237.87B	-128.58B	-271.13B	94.12B	287.59B	326.46B	-206.22B	-205.15B	-207.99B	-98.65B	59.48B
Dividends Paid	-	-	-	-	-	10.80B	9.72B	10.80B	7.56B	6.48B	6.48B	7.56B	-	-	-	-	-	63.94B
FCF to OCF	-	-	-	-	-	56.10%	19.07%	-235.58%	-142.82%	230.26%	99.76%	99.71%	99.76%	102.43%	100.31%	101.59%	100.58%	99.68%
Dividend Paid to FCF	-	-	-	-	-	8.13%	59.09%	-4.54%	-5.88%	-2.39%	6.88%	2.63%	-	-	-	-	-	107.51%

Earnings

Report Date	Mar 31, 2017	Jun 30, 2017	Sep 30, 2017	Dec 31, 2017	Mar 31, 2018	Jun 30, 2018	Sep 30, 2018	Dec 31, 2018	Mar 31, 2019	Jun 30, 2019	Sep 30, 2019	Dec 31, 2019	Mar 31, 2020	Jun 30, 2020	Sep 30, 2020	Dec 31, 2020	Mar 31, 2021	Jun 30, 2021	Sep 30, 2021	Dec 31, 2021	Mar 31, 2022	Jun 30, 2022	Sep 30, 2022	Dec 31, 2022	Mar 31, 2023	Jun 30, 2023
EPS Estimate	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EPS Actual	2.67	2.17	2.48	1.01	2.76	2.85	2.84	1.63	2.91	3.35	3.15	2.55	2.41	2.61	2.20	-1.84	2.73	2.96	0.20	2.89	3.63	4.52	5.41	2.47	4.31	4.04
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap1.17T

Enterprise Value1.69T

Trailing P/E18.27

Forward P/E0.00

Price / Sales7.55

Price / Book0.89

EPS17.95

Book Value344.22

Revenue (TTM)154.35B

Gross Profit (TTM)151.61B

Profit Margin45.11%

Operating Margin60.51%

Return on Equity5.80%

Return on Assets3.73%

Shares Outstanding3.55B

Shares Float266.59M

Beta-0.21

Dividend Yield1.23%

Dividend Rate4.00

Payout Ratio20.41%

Dividends

20261×

4.00Jun 23, 2026

20251×

18.00Jun 18, 2025

20191×

2.74Jun 12, 2019

20181×

2.35Jun 26, 2018

20171×

2.35Jun 12, 2017

20161×

2.74Jun 27, 2016

20151×

3.91Jun 9, 2015

20141×

3.52Jul 21, 2014

20131×

3.91May 22, 2013

20121×

3.52May 15, 2012