Income Statement PT Radana Bhaskara Finance Tbk

Stocks

HDFA

ID1000118805

Consumer Lending

End-of-day quote INDONESIA S.E. 2026-10-08			5-day change	1st Jan Change
98.00 ^IDR	+3.16%		+5.38%	-22.22%

07-31	PT Radana Bhaskara Finance Tbk Reports Earnings Results for the Half Year Ended June 30, 2026	CI
04-30	PT Radana Bhaskara Finance Tbk Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

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Published financial data: PT RADANA BHASKARA FINANCE TBK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (IDR)	2022 (IDR)	2023 (IDR)	2024 (IDR)	2025 (IDR)
Interest and Dividend Income, Total	126B	185B	236B	348B	410B
Interest Expense, Total	28.28B	74.68B	135B	225B	278B
Net Interest Income	98.06B	111B	101B	123B	132B
Other Revenues, Total	840M	741M	761M	1.6B	1.87B
Revenues Before Provison For Loan Losses	98.9B	111B	102B	124B	134B
Provision For Loan Losses	1.74B	-3.35B	10.18B	18.96B	86.7B
Total Revenues	97.16B	115B	91.49B	105B	46.89B
Salaries And Other Employee Benefits	-	-	-	-	-
Cost of Services Provided, Total	74.18B	71B	111B	140B	151B
Other Operating Expenses	4.96B	-9.15B	-22.8B	-39.89B	-12.44B
Total Operating Expenses	79.15B	61.85B	88.56B	100B	138B
Operating Income	18.02B	52.81B	2.92B	5.06B	-91.46B
Currency Exchange Gains (Loss)	10.09B	2.27B	-26.91M	2.14M	-2.45B
Other Non Operating Income (Expenses)	-	-	-	-4B	-3.14B
EBT, Excl. Unusual Items	28.11B	55.07B	2.9B	1.07B	-97.05B
Gain (Loss) on Sale of Assets	3.19B	269M	1.22B	12.5M	-450M
Asset Writedown	-	-	-	-	-
Other Unusual Items	-38.47M	-	-	-	-
EBT, Incl. Unusual Items	31.26B	55.34B	4.12B	1.08B	-97.5B
Income Tax Expense	-4.22B	13.53B	61.21B	44.24B	-15.95B
Earnings From Continuing Operations	35.48B	41.81B	-57.09B	-43.16B	-81.55B
Net Income to Company	35.48B	41.81B	-57.09B	-43.16B	-81.55B
Net Income - (IS)	35.48B	41.81B	-57.09B	-43.16B	-81.55B
Net Income to Common Incl Extra Items	35.48B	41.81B	-57.09B	-43.16B	-81.55B
Net Income to Common Excl. Extra Items	35.48B	41.81B	-57.09B	-43.16B	-81.55B
Per Share Items
Net EPS - Basic	5.42	6.39	-8.73	-6.6	-12.46
Basic EPS - Continuing Operations	5.42	6.39	-8.73	-6.6	-12.46
Basic Weighted Average Shares Outstanding	6.54B	6.54B	6.54B	6.54B	6.54B
Net EPS - Diluted	5.42	6.39	-8.73	-6.6	-12.46
Diluted EPS - Continuing Operations	5.42	6.39	-8.73	-6.6	-12.46
Diluted Weighted Average Shares Outstanding	6.54B	6.54B	6.54B	6.54B	6.54B
Normalized Basic EPS	2.69	5.26	0.28	0.1	-9.27
Normalized Diluted EPS	2.69	5.26	0.28	0.1	-9.27
Payout Ratio	-	-	-	-	-
Supplemental Items
Total Revenues (As Reported)	155B	200B	260B	387B	417B
Effective Tax Rate - (Ratio)	-13.5	24.45	1.49K	4.11K	16.36
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	-	-	-	-	-
Deferred Domestic Taxes	-4.95B	13.12B	-	-	-
Total Deferred Taxes	-4.95B	13.12B	60.97B	43.92B	-16.35B
Normalized Net Income	17.57B	34.42B	1.81B	666M	-60.66B
Non-Cash Pension Expense	-8.02B	-2.19B	-	47.02M	-258M

Fiscal Period: December	2021 (IDR)	2022 (IDR)	2023 (IDR)	2024 (IDR)	2025 (IDR)
Assets
Cash And Equivalents	90.22B	105B	67.72B	153B	149B
Trading Asset Securities, Total	11.63B	-	-	-	-
Loans and Lease Receivables - (FS Template)	982B	1,439B	1,954B	2,643B	2,909B
Other Receivables	597M	482M	239B	262B	167B
Gross Property Plant And Equipment	112B	106B	85.38B	89.72B	89.87B
Accumulated Depreciation	-75.36B	-73.62B	-70.69B	-77.34B	-68.04B
Net Property Plant And Equipment	36.99B	32.53B	14.69B	12.38B	21.84B
Restricted Cash	12.25B	-	-	-	-
Other Current Assets, Total	33.93B	50.61B	135B	115B	121B
Deferred Tax Assets Long-Term (Collected)	112B	110B	48.98B	5.01B	21.41B
Other Long-Term Assets, Total	6.39M	166M	167M	314M	334M
Total Assets	1,280B	1,737B	2,460B	3,191B	3,389B
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	21.76B	10.42B	15.02B	17.07B	14.38B
Short-Term Borrowings	779M	-	49.99B	25B	20B
Current Portion of Long-Term Debt	433B	699B	1,290B	1,795B	2,431B
Current Portion of Leases	-	-	-	1.1B	2.78B
Long-Term Debt	113B	317B	457B	741B	370B
Long-Term Leases	10.95B	8.44B	5.04B	-	11.88B
Current Income Taxes Payable	518M	470M	598M	119M	404M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	59.72B	20.51B	18.74B	27.26B	40.62B
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	8.4B	2.98B	2.36B	2.87B	2.74B
Other Non Current Liabilities	2.95B	5.45B	5.8B	8.71B	3.64B
Total Liabilities	651B	1,064B	1,844B	2,618B	2,898B
Common Stock, Total	654B	654B	654B	654B	654B
Additional Paid In Capital	335B	335B	335B	335B	335B
Retained Earnings	-356B	-314B	-371B	-414B	-496B
Comprehensive Income and Other	-4.5B	-2.63B	-2.69B	-2.53B	-2.69B
Total Common Equity	629B	673B	616B	573B	491B
Total Equity	629B	673B	616B	573B	491B
Total Liabilities And Equity	1,280B	1,737B	2,460B	3,191B	3,389B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	6.54B	6.54B	6.54B	6.54B	6.54B
ECS Total Common Shares Outstanding	6.54B	6.54B	6.54B	6.54B	6.54B
Book Value / Share	96.18	102.85	94.12	87.54	75.05
Tangible Book Value	629B	673B	616B	573B	491B
Tangible Book Value Per Share	96.18	102.85	94.12	87.54	75.05
Total Debt	557B	1,024B	1,802B	2,562B	2,836B
Debt Equivalent of Unfunded Proj. Benefit Obligation	8.4B	2.98B	-	2.87B	2.74B
Net Debt	455B	920B	1,734B	2,409B	2,687B
Full Time Employees	191	138	145	153	153
Assets under Capital Lease - Gross	-	-	-	-	-
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: December	2021 (IDR)	2022 (IDR)	2023 (IDR)	2024 (IDR)	2025 (IDR)
Net Income	35.48B	41.81B	-57.09B	-43.16B	-81.55B
Depreciation, Depletion & Amortization	6.9B	7.15B	6.77B	6.87B	6.89B
Total Depreciation, Depletion & Amortization	6.9B	7.15B	6.77B	6.87B	6.89B
Other Operating Activities	-670B	-502B	-774B	-633B	-182B
Cash from Operations	-628B	-453B	-825B	-670B	-256B
Capital Expenditure	-3.22B	-3.37B	-1.75B	-4.56B	-98.87M
Sale of Property, Plant, and Equipment	3.51B	950M	14.04B	12.5M	169M
Other Investing Activities, Total	-203M	-	-	-	-
Cash from Investing	89.76M	-2.42B	12.29B	-4.55B	70.55M
Long-Term Debt Issued, Total	705B	1,562B	1,866B	2,858B	4,276B
Total Debt Issued	705B	1,562B	1,866B	2,858B	4,276B
Long-Term Debt Repaid, Total	-352B	-1,105B	-1,091B	-2,098B	-4,023B
Total Debt Repaid	-352B	-1,105B	-1,091B	-2,098B	-4,023B
Issuance of Common Stock	89.09B	-	-	-	-
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Other Financing Activities, Total	10.02B	12.25B	-	-	-
Cash from Financing	453B	470B	776B	760B	253B
Foreign Exchange Rate Adjustments	-	-	-	-	-732M
Net Change in Cash	-175B	14.35B	-36.85B	85.55B	-3.98B
Supplemental Items
Cash Interest Paid	47.95B	73.41B	121B	225B	276B
Cash Income Tax Paid (Refund)	-	7.75B	243M	444M	545M
Net Debt Issued / Repaid	353B	457B	776B	760B	253B

Fiscal Period: December	2021 (IDR)	2022 (IDR)	2023 (IDR)	2024 (IDR)	2025 (IDR)
Profitability
Return on Assets	3.46	2.77	-2.72	-1.53	-2.48
Return On Equity %	6.25	6.42	-8.86	-7.26	-15.33
Return on Common Equity	6.25	6.42	-8.86	-7.26	-15.33
Margin Analysis
Gross Profit Margin %	100	100	100	100	100
SG&A Margin	76.35	61.93	121.72	133.02	321.55
Income From Continuing Operations Margin %	36.52	36.47	-62.41	-40.93	-173.91
Net Income Margin %	36.52	36.47	-62.41	-40.93	-173.91
Net Avail. For Common Margin %	36.52	36.47	-62.41	-40.93	-173.91
Normalized Net Income Margin	18.08	30.02	1.98	0.63	-129.35
Asset Turnover
Asset Turnover	0.09	0.08	0.04	0.04	0.01
Short Term Liquidity
Current Ratio	2.19	2.18	1.74	1.7	1.33
Quick Ratio	2.1	2.11	1.65	1.64	1.29
Operating Cash Flow to Current Liabilities	-1.22	-0.62	-0.6	-0.36	-0.1
Long Term Solvency
Total Debt/Equity	88.56	152.21	292.63	447.37	577.59
Total Debt / Total Capital	46.97	60.35	74.53	81.73	85.24
LT Debt/Equity	19.65	48.31	75.01	129.42	77.84
Long-Term Debt / Total Capital	10.42	19.16	19.1	23.64	11.49
Total Liabilities / Total Assets	50.83	61.26	74.97	82.05	85.51
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	3.04K	19.14	-20.21	10.54	-55.53
Gross Profit, 1 Yr. Growth %	3.04K	19.14	-20.21	10.54	-55.53
Earnings From Cont. Operations, 1 Yr. Growth %	-135.67	17.85	-236.54	-24.4	88.93
Net Income, 1 Yr. Growth %	-135.67	17.85	-236.54	-24.4	88.93
Normalized Net Income, 1 Yr. Growth %	-123.58	95.94	-94.74	-63.24	-9.21K
Diluted EPS Before Extra, 1 Yr. Growth %	-133.25	11.16	-236.54	-24.4	88.86
Common Equity, 1 Yr. Growth %	24.23	6.94	-8.49	-6.98	-14.27
Total Assets, 1 Yr. Growth %	65.73	35.73	41.63	29.71	6.2
Tangible Book Value, 1 Yr. Growth %	24.23	6.94	-8.49	-6.98	-14.27
Cash From Operations, 1 Yr. Growth %	-620.74	-27.89	82.12	-18.81	-61.73
Capital Expenditures, 1 Yr. Growth %	-61.35	4.62	-48.11	160.65	-97.83
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	342.2	508.42	-2.5	-4.1	-29.89
Gross Profit, 2 Yr. CAGR %	342.2	508.42	-2.5	-4.1	-29.89
Earnings From Cont. Operations, 2 Yr. CAGR %	-57.85	-35.16	26.85	1.6	19.51
Net Income, 2 Yr. CAGR %	-57.85	-35.16	26.85	1.6	19.51
Normalized Net Income, 2 Yr. CAGR %	-62.6	-32.03	-67.89	-86.09	478.74
Diluted EPS Before Extra, 2 Yr. CAGR %	-74.19	-37.41	23.2	1.62	19.49
Common Equity, 2 Yr. CAGR %	2.9	15.26	-1.08	-7.74	-10.7
Total Assets, 2 Yr. CAGR %	3.65	49.98	38.65	35.54	17.37
Tangible Book Value, 2 Yr. CAGR %	2.9	15.26	-1.08	-7.74	-10.7
Cash From Operations, 2 Yr. CAGR %	-15.53	93.78	14.6	21.6	-44.26
Capital Expenditures, 2 Yr. CAGR %	-5.81	-36.41	-26.32	16.3	-76.23
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-10.57	184.69	209.12	3.1	-25.77
Gross Profit, 3 Yr. CAGR %	-10.57	184.69	209.12	3.1	-25.77
Earnings From Cont. Operations, 3 Yr. CAGR %	-49.88	-40.62	-16.89	6.75	24.94
Net Income, 3 Yr. CAGR %	-49.88	-40.62	-16.89	6.75	24.94
Normalized Net Income, 3 Yr. CAGR %	-56.45	-35.05	-71.03	-66.41	20.78
Diluted EPS Before Extra, 3 Yr. CAGR %	-64.47	-57.18	-18.82	4.71	24.94
Common Equity, 3 Yr. CAGR %	39.42	4.23	6.73	-3.09	-9.97
Total Assets, 3 Yr. CAGR %	-17.28	13.39	47.14	35.6	24.96
Tangible Book Value, 3 Yr. CAGR %	39.42	4.23	6.73	-3.09	-9.97
Cash From Operations, 3 Yr. CAGR %	-28.18	-19.87	89.81	2.16	-17.28
Capital Expenditures, 3 Yr. CAGR %	-23.57	-2.45	-40.58	12.27	-69.16
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-18.91	-14.77	-7.6	84.23	72.2
Gross Profit, 5 Yr. CAGR %	-18.91	-14.77	-7.6	84.23	72.2
Earnings From Cont. Operations, 5 Yr. CAGR %	6.72	18.55	-27.33	-26.39	-3.89
Net Income, 5 Yr. CAGR %	6.72	18.55	-27.33	-26.39	-3.89
Normalized Net Income, 5 Yr. CAGR %	-0.66	19.64	-61.45	-64.94	-4.03
Diluted EPS Before Extra, 5 Yr. CAGR %	-13.19	-3.57	-40.89	-39.5	-5.24
Common Equity, 5 Yr. CAGR %	4.16	5.1	21.54	-0.74	-0.62
Total Assets, 5 Yr. CAGR %	-18.7	-14.72	1.7	21.78	34.42
Tangible Book Value, 5 Yr. CAGR %	4.16	5.1	21.54	-0.74	-0.62
Cash From Operations, 5 Yr. CAGR %	9.4	20.72	-13.42	-5.32	16.27
Capital Expenditures, 5 Yr. CAGR %	-25.6	-25.1	-24.68	4.65	-58.81