IBFN.JK(IBFN.JK)

$63.00—Stale · unknown old

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IBFN.JK(IBFN.JK)

JKT • Last print unknown ago

$63.00—Stale · unknown old

WatchlistAsk SA Chart Studio

IBFN.JK(IBFN.JK)

IBFN.JK

9/26/26

PT Intan Baru Prana Tbk (IBFN.JK)

Saturday

6:46 PM

ThesisThe recent surge in loan applications and potential regulatory easing has shifted sentiment positively, indicating a robust growth trajectory.

Revenue Outlook

Metric	FY2024	FY2025
Revenue	$32.8B	$200.4B
Rev. Growth	+42.2%	+510%
EPS	$-66.77	$-27.43
EPS Growth	-49.4%	+58.9%
P/E	—	—

What’s Driving the Stock

01The company reported a 30% increase in loan applications in Q2 2026, indicating strong consumer demand.
02New partnerships with e-commerce platforms could drive a 25% increase in personal loan disbursements by the end of 2026.
03Regulatory changes expected to ease lending restrictions could enhance loan growth potential significantly.
04A recent upgrade in credit rating could lower borrowing costs by 50 basis points, improving margins.
05Digital transformation in financial services
06Increased consumer reliance on credit
07Changes in consumer credit demand in Indonesia
08Regulatory changes affecting lending practices

FY2025 Snapshot

Revenue: $200.4B
Rev. Growth: +510%
Gross Margin: 20.5%
Op. Margin: 24.4%
Net Margin: -20.8%
Net Income: $-41.6B
NI Growth: +58.9%
EPS: $-27.43
1Y Return: +385%

IBFN.JK Chart

My Notes

"Management noted, 'We are seeing unprecedented demand for our services, positioning us for substantial growth.'"
Moat: The company's digital-first approach and focus on underbanked consumers provide a sustainable competitive advantage.
growth - The company’s rapid revenue growth and expansion into underbanked markets appeal to growth-oriented investors.
Rising interest rates can negatively impact borrowing demand, but they may also improve net interest margins for the company…
Watch on earnings: Loan origination volume, Net interest margin, Default rates on loans.

One Sentence Summary:

PT Intan Baru Prana Tbk: the setup is constructive — the company reported a 30% increase in loan applications in q2 2026, indicating strong consumer demand.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

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Metric

FY2024

FY2025

P/E

—

What’s Driving the Stock

01The company reported a 30% increase in loan applications in Q2 2026, indicating strong consumer demand.

02New partnerships with e-commerce platforms could drive a 25% increase in personal loan disbursements by the end of 2026.

03Regulatory changes expected to ease lending restrictions could enhance loan growth potential significantly.

04A recent upgrade in credit rating could lower borrowing costs by 50 basis points, improving margins.

05Digital transformation in financial services

06Increased consumer reliance on credit

07Changes in consumer credit demand in Indonesia

08Regulatory changes affecting lending practices

My Notes

"Management noted, 'We are seeing unprecedented demand for our services, positioning us for substantial growth.'"

Moat: The company's digital-first approach and focus on underbanked consumers provide a sustainable competitive advantage.

growth - The company’s rapid revenue growth and expansion into underbanked markets appeal to growth-oriented investors.

Rising interest rates can negatively impact borrowing demand, but they may also improve net interest margins for the company…

Watch on earnings: Loan origination volume, Net interest margin, Default rates on loans.