PT Woori Finance Indonesia Tbk

bpfi

+1.05%

Overview

BPFI Overview

PT Woori Finance Indonesia Tbk is an Indonesia-based finance company. The Company’s products and services include investment, working capital, and multifunction. The Company provides various financing facilities, including multipurpose financing for new and used cars, and investment financing in the form of heavy equipment. It also supports refinancing for working capital. The Company has developed its financing services through an online platform known as the My Credit WFI Mobile application to provide financing solutions for the people of Indonesia. Its office operates in South Jakarta with an office network of one office apart from branch offices (KSKC). The Company operates approximately 72 branch offices spread throughout Indonesia.

246810ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: BPFI

Development
Market Cap.
IDR 1.03Trillion

~$64.17M USD

Industry
Consumer Financing
Sub-Industry
Consumer Financing
Sector
Financials

Valuation

BPFI Valuation Metrics

384

IDR
+1.1%

Closing Price on 2024-04-18

Price to Equity

16.14

P/E

At 16.14x P/E TTM, BPFI.JK is trading at a premium to its peers in the Financing Service sector (avg 10.7x).

Price to Book

0.99

P/B

At 0.99x P/B TTM, BPFI.JK is trading in line with its peers in the Financing Service sector.

Price to Sales

3.66

P/S

At 3.66x P/S TTM, BPFI.JK is trading in line with its peers in the Financing Service sector.

Valuing PT Woori Finance Indonesia Tbk based on its trailing twelve months (TTM) valuation metrics against its peers in the Financing Service sector

Historical Price to Earnings

Other Valuation Metrics

Valuing PT Woori Finance Indonesia Tbk relative to other stocks in the Financing Service sector

Price/Cash Flow
-2.28x
Price/Forward Earnings
-
PEG Ratio
-1.08x

Analyst Ratings

No analyst ratings available yet.

Last closing: IDR3842024-04-18
IDR 215.07

Considerably Lower Intrinsic Value: Analyst's intrinsic value is of BPFI is IDR215, which is 43% lower than BPFI's last closing price of IDR384 (as of 2024-04-18).

Valuation Recap of BPFI stock
WeightNotesScore
High
The P/E ratio is calculated by dividing the market price of a company's stock by its earnings per share (EPS). It is a key tool for investors and analysts to assess whether a stock is overvalued, undervalued, or fairly valued. A P/E ratio of 16.14x is above the ID market average of 8.46x and is trading at a premium to peers in the Financing Service sector (10.75x).

High
The P/B ratio is calculated by dividing the market price of a company's stock by its book value per share (BVPS). It measures the company's stock value relative to its assets minus liabilities. A P/B ratio of 0.99x is similar to the peers average of 1.02x in the Financing Service sector.

Medium
The P/S ratio is calculated by dividing the market price of a company's stock by its sales per share. It measures the company's stock value relative to its sales. A P/S ratio of 3.66x is similar to the peers average of 3.91x in the Financing Service sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of BPFI's valuation relative to its current sales and future earnings growth.

Low
The Price/Cash Flow ratio (P/CF) is calculated by dividing the market price of a company's stock by its cash flow per share. It measures the company's stock value relative to its cash flow, and is sometimes said to be a more objective measure of a company's value because cash flows cannot be manipulated as easily as earnings, which considers non-cash items such as depreciation and amortization. BPFI's P/CF ratio of -2.28x is considered healthy by analysts.

Medium
Considerably Lower Intrinsic Value: Analyst's intrinsic value is of BPFI is IDR 215.07, which is 43% lower than BPFI's last closing price of IDR 384.00.

Peers

BPFI Peers and Comparison

Peer Companies

Supertype Fuzzy Search
SymbolCompany Name
Market Cap
(in Trillion IDR)
Total Assets
(in Trillion IDR)
Total Revenue
(in Trillion IDR)
Profit and Loss
(in Trillion IDR)
P/E
P/B
BBCAPT Bank Central Asia Tbk.1,168.03T1,381.45T 98.47T 48.20T 24.234.95
BBRIPT Bank Rakyat Indonesia (Persero) Tbk825.58T1,851.96T 175.51T 56.01T 14.742.69
BMRIPT Bank Mandiri (Persero) Tbk634.67T2,007.16T 135.73T 49.58T 12.802.61
BBNIPT Bank Negara Indonesia (Persero) Tbk197.25T1,086.66T 61.51T 20.91T 9.431.31
BRISPT Bank Syariah Indonesia Tbk119.94T319.85T 19.34T 5.26T 22.823.23
SMMAPT Sinar Mas Multiartha Tbk92.97T106.59T 28.35T 1.10T 84.384.30
DNETPT Indoritel Makmur Internasional Tbk.65.53T20.71T 1.39T 0.72T 90.885.11
MEGABank Mega Tbk60.47T132.12T 7.81T 3.51T 17.222.78
BNGAPT Bank CIMB Niaga Tbk50.38T329.13T 18.53T 6.10T 8.261.07
BFINBFI Finance Indonesia Tbk17.67T23.99T 6.15T 1.64T 10.751.86
Competitiveness Recap of BPFI stock
WeightNotesScore
High
At a market cap of IDR 1,026.82 billion, BPFI.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.

High
At a PE of 16.14, BPFI.JK ranks 6 out of 10 companies in the Financials sector for P/E value. The average PE is 30.09 (unadjusted). A high P/E ratio often indicates higher growth expectation, or other qualitative factors that led investors to believe that the company has a defensible competitive advantage compared to its peers in Financials. In this regard, it trails behind sector leaders such as PT Indoritel Makmur Internasional Tbk. (90.88) in the Financials sector.

Medium
At a PE of 16.14, BPFI.JK is trading at a higher PE than that of its subsector peers in Financing Service (median of 10.75). false

Medium
At a revenue of IDR 0.28 trillion, BPFI.JK ranks 10 in Revenue out of 10 companies in the Financials sector.

Medium
At a profit of IDR 0.06 trillion, BPFI.JK ranks 10 in Profit out of 10 companies in the Financials sector.

Future

Future Growth of BPFI

Growth Forecasts

No data available

Sector Benchmark

Financing Service companies in Indonesia are shrinking at a projected rate of -18.69% against the IDX average of +7.6%.

Financing Service sector overview
No data is available for BPFI at the moment.
Future growth prospect of BPFI
WeightNotesScore
High
BPFI's projected growth rate of -18.69% is below the ID market average of 7.62%.

Medium
BPFI and its peers in the Financing Service sub-sector belongs to the Financials sector. Companies in the Financials sector are projected to have a fruitful year heading into 2024. Specifically, earnings are projected to increase by 72.75% in 2024 while revenue growth is projected to increase by 34.06%. These macroeconomic trends will likely be a tailwind for BPFI's earnings growth prospects in the next 2 years.

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Management

Executive Management

President Director

Hyeok Jin Seo15.2 years
Jeong Dae Kim
Director
Jasin Hermawan
Director
Hady Sutiono
Director
NamePositionShares%
No data is available for BPFI at the moment.
Expressed in millions IDR, unless otherwise stated

Ownership

BPFI Ownership

Others
3.32%
Insiders
96.68%
Institutions
0%
NameNumber of SharesOwnership (%)Value
Woori Card Co., Ltd2,259,723,66884.51867.73B
Batavia Prosperindo Internasional,Pt325,618,04412.18125.04B
Public (Scripless)88,653,6503.3134.04B
No data is available for BPFI at the moment.