PT KDB Tifa Finance Tbk (IDX:TIFA)

PT KDB Tifa Finance Tbk Income Statement

Financials in millions IDR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	179,677	181,049	163,323	142,602	112,851	149,331
Total Interest Expense	32,734	32,686	26,094	8,206	19,878	55,806
Net Interest Income	146,943	148,363	137,228	134,396	92,973	93,525
Gain (Loss) on Sale of Investments	481.46	481.46	1,236	1,237	197.67	1,009
Other Revenue	1,054	997.74	6,266	12,186	1,341	4,119
Revenue Before Loan Losses	148,478	149,842	144,731	147,819	94,512	98,654
Provision for Loan Losses	10,162	5,081	13,884	19,470	8,781	20,842
Revenue	138,316	144,761	130,847	128,350	85,731	77,811
Revenue Growth (YoY)	2.86%	10.63%	1.95%	49.71%	10.18%	-14.88%
Salaries & Employee Benefits	44,337	43,214	39,402	35,000	31,820	30,525
Cost of Services Provided	11,099	11,322	10,714	11,281	13,267	9,240
Other Operating Expenses	-	-2.82	-2,843	-2,644	-865.4	-831.4
Total Operating Expenses	61,865	61,156	52,946	49,856	50,902	43,412
Operating Income	76,452	83,605	77,901	78,493	34,829	34,399
Currency Exchange Gain (Loss)	-99.78	-151.69	-161.45	161.44	-496.7	-584.93
EBT Excluding Unusual Items	74,811	80,943	74,833	72,423	32,480	27,656
Pretax Income	74,967	80,943	74,845	72,555	32,607	24,515
Income Tax Expense	15,352	15,894	14,949	15,651	5,876	9,629
Net Income	59,615	65,049	59,896	56,904	26,732	14,885
Net Income to Common	59,615	65,049	59,896	56,904	26,732	14,885
Net Income Growth	1.35%	8.60%	5.26%	112.87%	79.58%	-54.94%
Shares Outstanding (Basic)	3,552	3,552	3,552	3,552	1,805	1,080
Shares Outstanding (Diluted)	3,552	3,552	3,552	3,552	1,805	1,080
Shares Change (YoY)	-	-	-	96.85%	67.13%	-
EPS (Basic)	16.78	18.31	16.86	16.02	14.81	13.79
EPS (Diluted)	16.78	18.31	16.86	16.02	14.81	13.79
EPS Growth	1.35%	8.60%	5.26%	8.14%	7.45%	-54.94%
Free Cash Flow	6,373	-98,648	-207,991	-205,147	-205,964	326,459
Free Cash Flow Per Share	1.79	-27.77	-58.55	-57.75	-114.14	302.36
Dividend Per Share	18.000	18.000	-	-	-	-
Operating Margin	55.27%	57.75%	59.54%	61.16%	40.63%	44.21%
Profit Margin	43.10%	44.94%	45.78%	44.34%	31.18%	19.13%
Free Cash Flow Margin	4.61%	-68.14%	-158.96%	-159.83%	-240.24%	419.55%
Effective Tax Rate	20.48%	19.64%	19.97%	21.57%	18.02%	39.28%
Revenue as Reported	181,382	182,531	173,680	158,963	115,383	158,890

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.