StockAnalyzer

Financial Analysis

DashboardSectorsComparablesScreenerUniverseMicrocapsAI 2nd OrderTheme MapEnergy & MaterialsMacroWatchlistCompareMi CarteraPortfolio

Recent

v0.1
CFIN.JK$342.00+1.18%
Fair $342.00+0.0%

CFIN.JK

PT. Clipan Finance Indonesia Tbk

Financial Services / Credit ServicesJakarta

$342.00

+4.00 (+1.18%)

Fairly Valued+0.0%Fair Value $342.00Fund rank 23/100 · Data gapFallback financials|
SA 48/C
F-Score: 3/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 20.0/100

Data gap 23/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 1/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

48/100

C

Piotroski

3/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is 3.7%, below the 5% threshold
Thesis & Journal · CFIN.JKLocal privado en este navegador · PT. Clipan Finance Indonesia Tbk
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$1.36T

P/E

5.8x

↓

EV/EBITDA

6.1x

↓

ROE

3.7%

↓

Gross Margin

62.4%

↑

Debt/Equity

0.60

↑
52-Week Range$342
$286$400

TradingView lightweight chart

CFIN.JK price, volumen y niveles de valoración

Último $342.00Periodo +230.6%
Fair value: $342.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+2.7%

FCF CAGR

—

FCF margin

57.6%

FCF / Net income

3.86x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $1.42T · net income $212.22B · FCF $819.18B

2022-FY → 2025-FY

Gross margin

62.4%-7.8% pts

Operating margin

52.0%-1.4% pts

Net margin

14.9%-8.8% pts

FCF margin

57.6%+100.1% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$1421.63B$1421.63B$1601.61B$1559.01B$1310.52B
Net Income$212.22B$212.22B$214.80B$815.01B$310.72B
EBITDA$794.01B$794.01B$869.36B$898.44B$741.69B
EPS53.2653.2653.91204.5477.98
Gross Margin62.4%62.4%63.2%68.1%70.2%
Operating Margin52.0%52.0%51.2%54.8%53.4%
Net Margin14.9%14.9%13.4%52.3%23.7%
Balance Sheet
Debt/Equity0.600.600.710.730.49
Current Ratio33.4033.40———
Cash Flow
Free Cash Flow$819.18B$819.18B$-77.29B$-1100.91B$-556.83B
Returns
ROE3.7%3.7%3.7%14.7%6.1%
Valuation
P/E5.765.765.822.473.77
EV/EBITDA6.056.056.126.694.90
P/B0.240.240.220.360.23
Growth & Yield
Revenue Growth-11.2%-11.2%2.7%19.0%—
EPS Growth-1.2%-1.2%-73.6%162.3%—
Dividend Yield14.8%14.8%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-17.1%

fácil

EPS terminal req.

$30.35

Spread vs growth

15.9%

5Y implied EPS CAGR

-7.2%

fácil

EPS terminal req.

$36.72

Spread vs growth

6.0%

10Y implied EPS CAGR

1.1%

fácil

EPS terminal req.

$59.14

Spread vs growth

-2.3%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +19.7%

Total return

+19.7%

Start / end P/E

6.0x → 6.4x

EPS bridge

53.91 → 53.26

Residual

-0.1%

EPS growth-1.2%
Multiple rerating+6.2%
Dividend+14.8%
Residual / FX / buybacks / cross-term-0.1%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.