PT Woori Finance Indonesia Tbk

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.

24681012ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: BPFI

Development
Market Cap.
IDR 882.42Billion

~$54.18M USD

Industry
Consumer Financing
Sub-Industry
Consumer Financing
Sector
Financials

Valuation

BPFI Valuation Metrics

330

IDR
-5.7%

Closing Price on 2024-07-19

Price to Equity

10.18

P/E

At 10.18x P/E TTM, BPFI.JK is trading in line with its peers in the Financing Service sector.

Price to Book

0.82

P/B

At 0.82x P/B TTM, BPFI.JK is trading at a discount to its peers in the Financing Service sector.

Price to Sales

2.80

P/S

At 2.80x 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-2.58x
Price/Forward Earnings-
PEG Ratio0.00x

Intrinsic Value

Last closing: IDR3302024-07-19
IDR 325.93

Fairly Close to Intrinsic Value: Analyst's intrinsic value is of BPFI is IDR326, which is 0% lower than BPFI's last closing price of IDR330 (as of 2024-07-19).

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 10.18x is above the ID market average of 8.44x but is trading in a P/E range similar to its peers in the Financing Service sector (9.87x).

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 0.82x is similar to the peers average of 0.97x 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 2.80x is similar to the peers average of 2.80x 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 -2.58x is considered healthy by analysts.

Medium
Fairly Close to Intrinsic Value: Analyst's intrinsic value is of BPFI is IDR 325.93, which is 0% lower than BPFI's last closing price of IDR 330.00.

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.1,245.08T1,408.11T 101.91T 48.64T 25.605.14
BBRIPT Bank Rakyat Indonesia (Persero) Tbk738.88T1,989.07T 178.91T 59.88T 12.342.52
BMRIPT Bank Mandiri (Persero) Tbk611.33T2,174.22T 123.24T 55.06T 11.102.34
BBNIPT Bank Negara Indonesia (Persero) Tbk189.03T1,066.72T 60.27T 21.08T 8.971.30
BRISPT Bank Syariah Indonesia Tbk113.02T357.90T 19.39T 5.91T 19.132.79
SMMAPT Sinar Mas Multiartha Tbk92.97T116.18T 25.19T 0.45T 207.773.97
DNETPT Indoritel Makmur Internasional Tbk.70.21T20.44T 1.40T 0.58T 120.885.44
MEGABank Mega Tbk58.70T126.53T 7.85T 3.60T 16.322.94
BNGAPT Bank CIMB Niaga Tbk44.76T332.99T 19.03T 6.58T 6.800.87
BFINBFI Finance Indonesia Tbk12.71T24.17T 6.06T 1.50T 8.491.29
Competitiveness Recap of BPFI stock
WeightNotesScore
High
At a market cap of IDR 882.42 billion, BPFI.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.

High
At a PE of 10.18, BPFI.JK ranks 8 out of 10 companies in the Financials sector for P/E value. The average PE is 43.91 (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 Sinar Mas Multiartha Tbk (207.77) in the Financials sector.

Medium
At a PE of 10.18, BPFI.JK is trading at a higher PE than that of its subsector peers in Financing Service (median of 9.87). false

Medium
At a revenue of IDR 0.32 trillion, BPFI.JK ranks 10 in Revenue out of 10 companies in the Financials sector.

Medium
At a profit of IDR 0.09 trillion, BPFI.JK ranks 10 in Profit out of 10 companies in the Financials sector.

Future

Future Growth of BPFI

Growth Forecasts

Analyst Ratings

No analyst ratings available yet.

Sector Benchmark

Financing Service companies in Indonesia are shrinking at a projected rate of -16.12% against the IDX average of +13.8%.

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 -16.12% is below the ID market average of 13.82%.

High
The Financing Service sub-sector is projected to grow revenue by 0.55% in 2025. This number is higher than the previous year 2024's growth rate of -9.99%. false

Medium
The Financing Service sub-sector is projected to increase earnings by 14.59% in 2025. This number is higher than the previous year 2024's EPS growth of 0.73%. This bodes well for BPFI's earnings growth prospects in the next 2 years.

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 2025. Specifically, earnings are projected to increase by 15.70% in 2025 while revenue growth is projected to increase by 24.44%. These macroeconomic trends will likely be a tailwind for BPFI's earnings growth prospects in the next 2 years.

Technical

Daily Technical Ratings of BPFI

Oscillators

Neutral

Sell

1

Neutral

8

Buy

2

Summary

Sell

Sell

15

Neutral

9

Buy

2

Moving Averages

Strong Sell

Sell

14

Neutral

1

Buy

0

Summary

Technical Ratings of BPFI
IndicatorSummarySellNeutralBuy
SummarySell1592
OscillatorsNeutral182
Moving AveragesStrong Sell1410

Last Update: 2024-07-19

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Management

Executive Management

President Director

Heon Joo Rhee15.2 years
Jasin HermawanDirector
Hady SutionoDirector
Yunseong LeeDirector
NamePositionShares%Stock Value
(in Billion IDR)
No data is available for BPFI at the moment.

Ownership

BPFI Ownership

NameNumber of SharesOwnership (%)Value
Woori Card Co., Ltd2,259,723,66884.51745.71B
Batavia Prosperindo Internasional,Pt325,618,04412.18107.45B
Public (Scripless)88,653,6503.3129.26B

BPFI Filings

No noteworthy filings to report on

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