Tifa Finance Tbk (TIFA) - Net Assets

Latest as of December 2025: Rp1.22 Trillion IDR ≈ $71.39 Million USD

Based on the latest financial reports, Tifa Finance Tbk (TIFA) has net assets worth Rp1.22 Trillion IDR (≈ $71.39 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rp2.04 Trillion ≈ $119.58 Million USD) and total liabilities (Rp822.33 Billion ≈ $48.19 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check financial resilience of Tifa Finance Tbk to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rp1.22 Trillion
% of Total Assets	59.7%
Annual Growth Rate	14.09%
5-Year Change	17.94%
10-Year Change	299.34%
Growth Volatility	43.03

Tifa Finance Tbk - Net Assets Trend (2008–2025)

This chart illustrates how Tifa Finance Tbk's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Tifa Finance Tbk for the complete picture of this company's asset base.

Annual Net Assets for Tifa Finance Tbk (2008–2025)

The table below shows the annual net assets of Tifa Finance Tbk from 2008 to 2025. For live valuation and market cap data, see Tifa Finance Tbk market capitalisation.

Year	Net Assets	Change
2025-12-31	Rp1.22 Trillion ≈ $71.39 Million	+0.23%
2024-12-31	Rp1.22 Trillion ≈ $71.22 Million	+5.72%
2023-12-31	Rp1.15 Trillion ≈ $67.37 Million	+5.47%
2022-12-31	Rp1.09 Trillion ≈ $63.88 Million	+5.52%
2021-12-31	Rp1.03 Trillion ≈ $60.53 Million	+182.88%
2020-12-31	Rp365.20 Billion ≈ $21.40 Million	-1.49%
2019-12-31	Rp370.71 Billion ≈ $21.72 Million	-14.58%
2018-12-31	Rp433.99 Billion ≈ $25.43 Million	+48.15%
2017-12-31	Rp292.95 Billion ≈ $17.17 Million	-3.98%
2016-12-31	Rp305.10 Billion ≈ $17.88 Million	+2.99%
2015-12-31	Rp296.24 Billion ≈ $17.36 Million	+3.04%
2014-12-31	Rp287.49 Billion ≈ $16.85 Million	+10.38%
2013-12-31	Rp260.45 Billion ≈ $15.26 Million	+8.67%
2012-12-31	Rp239.66 Billion ≈ $14.04 Million	+16.31%
2011-12-31	Rp206.05 Billion ≈ $12.07 Million	+24.28%
2010-12-31	Rp165.80 Billion ≈ $9.72 Million	+14.70%
2009-12-31	Rp144.55 Billion ≈ $8.47 Million	+11.47%
2008-12-31	Rp129.67 Billion ≈ $7.60 Million	--

Equity Component Analysis

This analysis shows how different components contribute to Tifa Finance Tbk's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 1902.5% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	Rp456.96 Billion	37.51%
Common Stock	Rp355.22 Billion	29.16%
Other Comprehensive Income	Rp1.65 Billion	0.14%
Other Components	Rp404.53 Billion	33.20%
Total Equity	Rp1.22 Trillion	100.00%

Tifa Finance Tbk Competitors by Market Cap

The table below lists competitors of Tifa Finance Tbk ranked by their market capitalization.

Company	Market Cap
Bibica Corp VN:BBC	$69.11 Million
Xin Chio Global Co Ltd TWO:3171	$69.13 Million
Stonebridge Acquisition Corp NASDAQ:APAC	$69.15 Million
Shinil Electronics Co KO:002700	$69.15 Million
Woowon Development Co. Ltd KQ:046940	$69.08 Million
CONCORD ENVIRO SYSTEMS L NSE:CEWATER	$69.08 Million
Taekyung Chem KO:006890	$69.05 Million
Il Sung Const KO:013360	$69.05 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Tifa Finance Tbk's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 1,215,511,805,000 to 1,218,357,006,000, a change of 2,845,201,000 (0.2%).
Net income of 66,306,266,000 contributed positively to equity growth.
Dividend payments of 63,939,834,000 reduced retained earnings.
Other comprehensive income increased equity by 995,904,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	Rp66.31 Billion	+5.44%
Dividends Paid	Rp63.94 Billion	-5.25%
Other Comprehensive Income	Rp995.90 Million	+0.08%
Other Changes	Rp-517.13 Million	-0.04%
Total Change	Rp-	0.23%

Book Value vs Market Value Analysis

This analysis compares Tifa Finance Tbk's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 0.97x
The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
The price-to-book ratio has decreased from 1.38x to 0.97x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2013-12-31	Rp241.22	Rp332.00	x
2014-12-31	Rp266.27	Rp332.00	x
2015-12-31	Rp274.38	Rp332.00	x
2016-12-31	Rp1299.65	Rp332.00	x
2017-12-31	Rp1511.51	Rp332.00	x
2018-12-31	Rp1403.14	Rp332.00	x
2019-12-31	Rp343.34	Rp332.00	x
2020-12-31	Rp338.24	Rp332.00	x
2021-12-31	Rp572.48	Rp332.00	x
2022-12-31	Rp306.89	Rp332.00	x
2023-12-31	Rp323.68	Rp332.00	x
2024-12-31	Rp342.18	Rp332.00	x
2025-12-31	Rp342.99	Rp332.00	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Tifa Finance Tbk utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 5.44%
The company has moderate efficiency in generating returns from equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 37.53%
• Asset Turnover: 0.09x
• Equity Multiplier: 1.67x
Recent ROE (5.44%) is below the historical average (8.35%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2008	9.17%	22.36%	0.16x	2.51x	Rp-1.07 Billion
2009	12.52%	28.27%	0.15x	2.87x	Rp3.65 Billion
2010	17.03%	26.20%	0.15x	4.47x	Rp11.65 Billion
2011	19.07%	25.80%	0.15x	4.92x	Rp18.69 Billion
2012	18.08%	25.11%	0.16x	4.53x	Rp19.37 Billion
2013	12.13%	40.48%	0.08x	3.96x	Rp5.54 Billion
2014	12.63%	49.64%	0.07x	3.76x	Rp7.55 Billion
2015	6.77%	6.91%	0.22x	4.54x	Rp-9.56 Billion
2016	1.72%	8.07%	0.72x	0.29x	Rp-116.17 Billion
2017	1.89%	8.85%	0.87x	0.25x	Rp-132.33 Billion
2018	2.45%	9.20%	0.74x	0.36x	Rp-114.43 Billion
2019	8.91%	9.27%	0.29x	3.27x	Rp-4.04 Billion
2020	4.08%	9.68%	0.14x	3.02x	Rp-21.63 Billion
2021	2.59%	23.47%	0.08x	1.35x	Rp-76.57 Billion
2022	5.22%	37.78%	0.09x	1.47x	Rp-52.11 Billion
2023	5.21%	36.22%	0.09x	1.57x	Rp-55.08 Billion
2024	5.35%	36.59%	0.09x	1.69x	Rp-56.50 Billion
2025	5.44%	37.53%	0.09x	1.67x	Rp-55.53 Billion

Industry Comparison

This section compares Tifa Finance Tbk's net assets metrics with peer companies in the Credit Services industry.

Industry Context

Industry: Credit Services
Average net assets among peers: $1,926,312,615,569
Average return on equity (ROE) among peers: 9.81%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Tifa Finance Tbk (TIFA)	Rp1.22 Trillion	9.17%	0.67x	$69.10 Million
Adira Dinamika Multi Finance (ADMF)	$11.56 Trillion	12.17%	1.82x	$632.22 Million
Buana Finance Tbk (BBLD)	$-313.70 Billion	0.00%	0.00x	$64.13 Million
BFI Finance Indonesia Tbk (BFIN)	$611.95 Billion	16.06%	0.84x	$704.07 Million
Batavia Prosperindo Finance (BPFI)	$130.28 Billion	12.93%	0.80x	$41.68 Million
Clipan Finance Indonesia Tbk (CFIN)	$4.71 Trillion	7.68%	1.58x	$78.45 Million
Danasupra Erapacific Tbk (DEFI)	$59.97 Billion	14.75%	0.02x	$6.34 Million
Fuji Finance Indonesia Tbk PT (FUJI)	$98.96 Billion	2.38%	0.00x	$24.83 Million
Radana Bhaskara Finance Tbk (HDFA)	$255.34 Billion	5.88%	5.22x	$42.55 Million
Intan Baruprana Finance Tbk (IBFN)	$564.52 Billion	10.76%	4.39x	$7.02 Million
Mandala Multifinance Tbk (MFIN)	$1.59 Trillion	15.46%	1.88x	$232.92 Million

About Tifa Finance Tbk

JK:TIFA Indonesia Credit Services

Market Cap

$69.10 Million

Rp1.18 Trillion IDR

Market Cap Rank

#20617 Global

#389 in Indonesia

Share Price

Rp332.00

Change (1 day)

-5.14%

52-Week Range

Rp328.00 - Rp740.00

All Time High

Rp1705.00