Q4 2025
BTPNPT Bank SMBC Indonesia Tbk
Laba Rugi
Neraca
Margin Profitabilitas
Return on Assets & Equity
Leverage
Income Statement Flow
Q4 2025
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Dupont Ratio
| Dupont Ratio | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 65.7% | 64.5% | 64.0% | 73.5% | 75.6% | 64.8% | 57.9% | 68.0% | 67.8% | 64.7% |
| Operating Profit Margin | 1.3% | 17.4% | 18.4% | 29.3% | 27.2% | 16.0% | 21.1% | 21.8% | 14.1% | 19.1% |
| Net Profit Margin | -0.4% | 13.6% | 14.3% | 22.8% | 21.0% | 12.2% | 15.7% | 16.0% | 10.1% | 13.7% |
| Other Burdens | -31.5% | 78.4% | 77.5% | 77.9% | 77.4% | 76.2% | 74.2% | 73.3% | 71.9% | 71.9% |
| Total Asset Turnover | 0.10x | 0.10x | 0.09x | 0.08x | 0.08x | 0.09x | 0.11x | 0.14x | 0.15x | 0.15x |
| Equity Multiplier | 4.60x | 4.40x | 4.88x | 5.31x | 5.32x | 5.56x | 5.77x | 5.26x | 5.55x | 5.60x |
| Return on Asset | 0.1% | 1.7% | 1.7% | 2.2% | 2.1% | 1.4% | 2.2% | 3.0% | 2.1% | 2.9% |
| Return on Equity | 0.6% | 7.5% | 8.4% | 11.8% | 11.1% | 8.0% | 12.8% | 15.9% | 11.5% | 16.0% |
| Debt to Equity | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
Ratio
| Ratio | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Liquidity Ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Interest Coverage | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Cash Flow to Investing Cash Flow | -240.0% | 64.6% | 608.4% | 140.1% | 187.8% | 490.5% | 105.9% | 799.4% | 81.8% | 192.3% |
| Quality of Earnings | -4780.5% | 336.7% | -89.4% | -121.7% | 423.6% | 930.5% | -400.0% | 203.1% | 79.2% | 143.0% |
| Cash received to Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Financial
Format: Triliun (T)
| Rupiah | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Pendapatan | 24,24 | 23,59 | 18,82 | 15,9 | 14,75 | 16,4 | 19,08 | 14,13 | 14,05 | 13,7 |
| Laba Kotor | 15,91 | 15,21 | 12,04 | 11,68 | 11,14 | 10,62 | 11,05 | 9,6 | 9,52 | 8,85 |
| Laba Usaha | 0,32 | 4,1 | 3,46 | 4,66 | 4,01 | 2,63 | 4,03 | 3,08 | 1,98 | 2,61 |
| Laba Bersih | -0,1 | 3,22 | 2,68 | 3,63 | 3,1 | 2,01 | 2,99 | 2,26 | 1,42 | 1,88 |
| Aset | 245,85 | 241,1 | 201,45 | 209,17 | 191,92 | 183,17 | 181,63 | 101,92 | 95,49 | 91,37 |
| Ekuitas | 53,46 | 54,75 | 41,28 | 39,41 | 36,08 | 32,96 | 31,47 | 19,36 | 17,2 | 16,31 |
| Liabilitas | 192,38 | 186,34 | 160,15 | 169,74 | 155,84 | 150,2 | 150,16 | 82,55 | 78,29 | 75,06 |
| Operating Cash Flow | 4,88 | 10,83 | -2,4 | -4,42 | 13,15 | 18,66 | -11,97 | 4,59 | 1,13 | 2,68 |
| Investing Cash Flow | 2,03 | -16,76 | 0,39 | 3,15 | -7 | -3,81 | 11,3 | -0,57 | -1,38 | -1,39 |
| Financing Cash Flow | -6,27 | 8,62 | -13,89 | 9,06 | 0,22 | -9,46 | 0,12 | 1,51 | 0,98 | 0,54 |
Financial Growth
| Growth % | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Pendapatan | 2.7% | 25.4% | 18.3% | 7.8% | -10.1% | -14.0% | 35.1% | 0.6% | 2.6% | 0.0% |
| Laba Kotor | 4.6% | 26.3% | 3.1% | 4.8% | 4.9% | -3.8% | 15.1% | 0.8% | 7.5% | 0.0% |
| Laba Usaha | -92.1% | 18.6% | -25.7% | 16.2% | 52.4% | -34.8% | 31.0% | 55.6% | -24.2% | 0.0% |
| Laba Bersih | -103.2% | 19.9% | -26.1% | 16.9% | 54.8% | -33.0% | 32.5% | 58.8% | -24.2% | 0.0% |
| Aset | 2.0% | 19.7% | -3.7% | 9.0% | 4.8% | 0.8% | 78.2% | 6.7% | 4.5% | 0.0% |
| Ekuitas | -2.4% | 32.6% | 4.7% | 9.2% | 9.4% | 4.7% | 62.5% | 12.6% | 5.4% | 0.0% |
| Liabilitas | 3.2% | 16.4% | -5.6% | 8.9% | 3.8% | 0.0% | 81.9% | 5.4% | 4.3% | 0.0% |
| Operating Cash Flow | -54.9% | -551.8% | -45.7% | -133.6% | -29.5% | -255.9% | -361.0% | 307.3% | -58.0% | 0.0% |
| Investing Cash Flow | -112.1% | -4354.8% | -87.5% | -145.0% | 84.0% | -133.7% | -2069.9% | -58.3% | -1.3% | 0.0% |
| Financing Cash Flow | -172.7% | -162.1% | -253.3% | 3955.1% | -102.4% | -7836.3% | -91.9% | 53.3% | 80.8% | 0.0% |