PT Bank JTrust Indonesia Tbk
IDX:BCIC.JK
190 (IDR) • At close November 14, 2024
Overview | Financials
Numbers are in millions (except for per share data and ratios) IDR.
| 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | 2018 Q4 | 2018 Q3 | 2018 Q2 | 2018 Q1 | 2017 Q4 | 2017 Q3 | 2017 Q2 | 2017 Q1 | 2016 Q4 | 2016 Q3 | 2016 Q2 | 2016 Q1 | 2015 Q4 | 2015 Q3 | 2015 Q2 | 2015 Q1 | 2014 Q4 | 2014 Q3 | 2014 Q2 | 2014 Q1 | 2013 Q4 | 2013 Q3 | 2013 Q2 | 2013 Q1 | 2012 Q4 | 2012 Q3 | 2012 Q2 | 2011 Q4 | 2011 Q3 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 259,853 | 772,736 | 214,292 | 916,901 | 213,367 | 211,710 | 200,299 | 204,058 | 196,192 | 160,876 | 138,350 | 55,033 | 61,077 | 26,002 | 885 | 28,840 | 18,965 | -153,379 | 110,692 | -2,178 | 27,185 | 43,636 | 41,879 | 10,948 | 136,411 | 124,663 | 135,872 | 126,346 | 149,989 | 134,709 | 170,512 | 109,442 | 159,220 | 95,763 | 97,911 | -62,385 | 174,941 | 44,115 | 51,692 | -17,601 | 34,886 | 65,152 | 54,392 | 162,402 | -23,875 | 117,478 | 109,369 | 214,858 | 50,761 | 0 | 151,510 | -767,032 |
| Cost of Revenue
| -564,408 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit
| 824,261 | 772,736 | 214,292 | 916,901 | 213,367 | 211,710 | 200,299 | 204,058 | 196,192 | 160,876 | 138,350 | 55,033 | 61,077 | 26,002 | 885 | 28,840 | 18,965 | -153,379 | 110,692 | -2,178 | 27,185 | 43,636 | 41,879 | 10,948 | 136,411 | 124,663 | 135,872 | 126,346 | 149,989 | 134,709 | 170,512 | 109,442 | 159,220 | 95,763 | 97,911 | -62,385 | 174,941 | 44,115 | 51,692 | -17,601 | 34,886 | 65,152 | 54,392 | 162,402 | -23,875 | 117,478 | 109,369 | 214,858 | 50,761 | 0 | 151,510 | -767,032 |
| Gross Profit Ratio
| 3.172 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 1 |
| Reseach & Development Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & Administrative Expenses
| 50,260 | 45,257 | 41,423 | 57,717 | 51,313 | 45,978 | 39,559 | 36,780 | 43,926 | 42,096 | 33,065 | 57,773 | 43,421 | 29,173 | 32,566 | 61,567 | 40,316 | 22,532 | 42,121 | 67,462 | 67,934 | 49,111 | 76,712 | 92,147 | 43,699 | 20,324 | 58,616 | 81,717 | 21,381 | 44,447 | 33,182 | 66,310 | 46,086 | 44,274 | 33,295 | 88,150 | 43,031 | 30,370 | 26,027 | 236,049 | 21,944 | 17,381 | 20,890 | 73,955 | 18,416 | 13,493 | 19,045 | 25,666 | 10,291 | 0 | 124,291 | 19,877 |
| Selling & Marketing Expenses
| 5,060 | 3,724 | 3,314 | 9,991 | 7,555 | 3,736 | 8,225 | 6,319 | 8,948 | 4,018 | 2,008 | 10,288 | 5,586 | 4,048 | 2,300 | 8,725 | 4,804 | 1,618 | 1,255 | 2,660 | 1,277 | 1,147 | 3,997 | 17,422 | 16,681 | 5,509 | 13,915 | 24,767 | 9,975 | 3,106 | 6,205 | 27,611 | 2,431 | 2,851 | 1,223 | 2,351 | 2,154 | 1,529 | 990 | 4,760 | 3,275 | 5,664 | 353 | 12,386 | 4,185 | 7,780 | 274 | -505 | 7,194 | 0 | -18,172 | 5,632 |
| SG&A
| 55,320 | 48,981 | 44,737 | 67,708 | 58,868 | 49,714 | 47,784 | 43,099 | 52,874 | 46,114 | 35,073 | 68,061 | 49,007 | 33,221 | 34,866 | 70,292 | 45,120 | 24,150 | 43,376 | 70,122 | 69,211 | 50,258 | 80,709 | 109,569 | 60,380 | 25,833 | 72,531 | 106,484 | 104,527 | 112,670 | 39,387 | 93,921 | 48,517 | 47,125 | 34,518 | 90,501 | 45,185 | 31,899 | 27,017 | 240,809 | 25,219 | 23,045 | 21,243 | 86,341 | 22,601 | 21,273 | 19,319 | 25,161 | 17,485 | 0 | 106,119 | 25,509 |
| Other Expenses
| 204,533 | -65,887 | -22 | -407,596 | -1,053 | -1,032 | 109,530 | 222,272 | 102,609 | 98,186 | 97,652 | -2,814 | 1,063 | 714 | 8,583 | 364 | -3,969 | 16,674 | 10,384 | -12,375 | -4,125 | 164,624 | -5,746 | -41,919 | -2,822 | -525 | 11,125 | 44,665 | 0 | 0 | 11,210 | -567 | -4,169 | -2,385 | -3,611 | 22,096 | -6,540 | -136 | -2,538 | 2,869 | -34,477 | 17,925 | -17,562 | -88,140 | 66,851 | 7,710 | -5,212 | -5,640 | -9,235 | 0 | 11,001 | -5,333 |
| Operating Expenses
| 259,853 | 65,887 | 169,392 | 407,596 | 183,225 | 170,426 | 157,314 | 265,371 | 155,483 | 144,300 | 132,725 | 256,233 | 139,535 | 129,052 | 128,980 | 190,341 | 135,626 | 131,746 | 145,409 | 170,483 | 153,719 | 143,834 | 184,600 | 168,380 | 158,447 | 134,551 | 147,239 | 182,141 | 118,829 | 113,480 | 109,883 | 159,309 | 131,107 | 122,221 | 130,318 | 231,138 | 171,513 | 119,573 | 108,259 | 271,605 | 149,262 | 109,099 | 107,048 | 157,142 | 95,684 | 105,492 | 88,428 | 107,607 | 83,149 | 0 | 107,992 | 86,613 |
| Operating Income
| 93,474 | 34,925 | 44,015 | -86,489 | 20,716 | 36,187 | 416,734 | 292,327 | 339,767 | 248,434 | 217,316 | 9,251 | 161,223 | 75,192 | 94,635 | 106,092 | 145,810 | -76,630 | 195,954 | 252,153 | 406,799 | 342,817 | 129,517 | 118,106 | -9,173 | 262,984 | 259,774 | 281,013 | 19,804 | 24,400 | 302,267 | -359,058 | 248,495 | 155,280 | 200,088 | 7,963 | 19,109 | 95,113 | 148,152 | -180,841 | 39,516 | 308,846 | 291,217 | -169,806 | -454,885 | 287,478 | 252,886 | 225,518 | 262,409 | 0 | 183,526 | 1,080,417 |
| Operating Income Ratio
| 0.36 | 0.045 | 0.205 | -0.094 | 0.097 | 0.171 | 2.081 | 1.433 | 1.732 | 1.544 | 1.571 | 0.168 | 2.64 | 2.892 | 106.932 | 3.679 | 7.688 | 0.5 | 1.77 | -115.773 | 14.964 | 7.856 | 3.093 | 10.788 | -0.067 | 2.11 | 1.912 | 2.224 | 0.132 | 0.181 | 1.773 | -3.281 | 1.561 | 1.622 | 2.044 | -0.128 | 0.109 | 2.156 | 2.866 | 10.274 | 1.133 | 4.74 | 5.354 | -1.046 | 19.053 | 2.447 | 2.312 | 1.05 | 5.17 | 0 | 1.211 | -1.409 |
| Total Other Income Expenses Net
| -18,743 | 42,474 | 44,015 | -89,525 | 20,716 | 36,187 | -362,302 | -330,140 | -270,424 | -231,989 | -218,044 | -219,780 | -203,641 | -221,609 | -243,743 | -267,744 | -248,990 | -248,773 | -187,150 | -251,087 | -262,049 | -272,453 | -296,398 | -276,496 | -251,250 | -255,709 | -251,817 | -256,770 | 11,356 | -3,171 | -260,500 | -256,993 | -237,039 | -228,801 | -234,160 | -219,696 | -222,740 | -234,866 | -244,785 | -265,304 | -278,874 | -305,388 | -279,106 | -297,660 | -249,369 | -247,399 | -234,221 | -225,027 | -206,177 | 0 | -225,727 | -999,512 |
| Income Before Tax
| 74,731 | 42,474 | 44,015 | -89,525 | 20,716 | 36,187 | 54,432 | -37,813 | 69,343 | 16,445 | -728 | -210,529 | -42,418 | -146,417 | -149,108 | -161,652 | -103,180 | -325,403 | 8,804 | 1,066 | 144,750 | 70,364 | -166,881 | -158,390 | -260,423 | 7,275 | 7,957 | 24,243 | 31,160 | 21,229 | 41,767 | -616,051 | 11,456 | -73,521 | -34,072 | -211,733 | -203,631 | -139,753 | -96,633 | -446,145 | -239,358 | 3,458 | 12,111 | -467,466 | -704,254 | 40,079 | 18,665 | 491 | 56,232 | 0 | -42,201 | 80,905 |
| Income Before Tax Ratio
| 0.288 | 0.055 | 0.205 | -0.098 | 0.097 | 0.171 | 0.272 | -0.185 | 0.353 | 0.102 | -0.005 | -3.826 | -0.695 | -5.631 | -168.484 | -5.605 | -5.441 | 2.122 | 0.08 | -0.489 | 5.325 | 1.613 | -3.985 | -14.467 | -1.909 | 0.058 | 0.059 | 0.192 | 0.208 | 0.158 | 0.245 | -5.629 | 0.072 | -0.768 | -0.348 | 3.394 | -1.164 | -3.168 | -1.869 | 25.348 | -6.861 | 0.053 | 0.223 | -2.878 | 29.498 | 0.341 | 0.171 | 0.002 | 1.108 | 0 | -0.279 | -0.105 |
| Income Tax Expense
| 0 | -9,959 | 44,015 | -6,092 | 20,716 | 18,799 | -18,799 | -39,374 | 270,424 | 231,989 | 218,044 | -103,049 | 0 | 484 | -484 | -96,990 | 0 | 0 | -11,065 | 895 | 1,150 | -1,151 | -1,090 | -3,443 | 1,079 | -1,079 | 963 | -3,135 | 11,356 | 453 | -453 | 6,534 | 0 | 0 | 0 | 24,260 | 0 | 0 | 0 | -7,928 | 0 | 0 | 0 | 23,069 | 0 | 0 | 0 | -1,514 | 0 | 0 | -17,158 | 0 |
| Net Income
| 74,731 | 42,474 | 44,015 | -83,433 | 20,716 | 17,388 | 73,231 | 1,561 | -201,081 | -215,544 | -218,772 | -107,480 | -42,418 | -146,901 | -148,624 | -64,662 | -103,180 | -325,403 | 8,804 | 171 | 143,600 | 71,515 | -165,791 | -154,947 | -261,502 | 8,354 | 6,994 | 27,378 | 31,160 | 20,776 | 42,220 | -622,585 | 11,456 | -73,521 | -34,072 | -235,993 | -203,631 | -139,753 | -96,633 | -438,217 | -239,358 | 3,458 | 12,111 | -490,535 | -704,254 | 40,079 | 18,665 | 2,005 | 56,232 | 0 | -25,043 | 80,905 |
| Net Income Ratio
| 0.288 | 0.055 | 0.205 | -0.091 | 0.097 | 0.082 | 0.366 | 0.008 | -1.025 | -1.34 | -1.581 | -1.953 | -0.695 | -5.65 | -167.937 | -2.242 | -5.441 | 2.122 | 0.08 | -0.079 | 5.282 | 1.639 | -3.959 | -14.153 | -1.917 | 0.067 | 0.051 | 0.217 | 0.208 | 0.154 | 0.248 | -5.689 | 0.072 | -0.768 | -0.348 | 3.783 | -1.164 | -3.168 | -1.869 | 24.897 | -6.861 | 0.053 | 0.223 | -3.02 | 29.498 | 0.341 | 0.171 | 0.009 | 1.108 | 0 | -0.165 | -0.105 |
| EPS
| 4.13 | 2.35 | 2.43 | -4.61 | 1.14 | 0.96 | 4.04 | 0.086 | -19.03 | -20.67 | -20.7 | -10.73 | -4.24 | -14.67 | -14.84 | -6.46 | -10.31 | -32.5 | 0.88 | 0.017 | 14.34 | 7.14 | -16.56 | -15.48 | -26.12 | 0.83 | 0.7 | 2.73 | 3.11 | 2.3 | 5 | -71.46 | 1.27 | -8.85 | -4.1 | -28.39 | -24.5 | -16.81 | -11.63 | -54.69 | -29.87 | 0.51 | 1.8 | -72.54 | -104.14 | 5.69 | 2.65 | 0.28 | 7.98 | 0 | -3.55 | 11.48 |
| EPS Diluted
| 4.13 | 2.35 | 2.43 | -4.61 | 1.14 | 0.96 | 4.04 | 0.086 | -19.03 | -20.4 | -20.7 | -10.73 | -4.24 | -14.67 | -14.84 | -6.46 | -10.31 | -32.5 | 0.88 | 0.017 | 14.34 | 7.14 | -16.56 | -15.48 | -26.12 | 0.83 | 0.7 | 2.73 | 3.11 | 2.3 | 5 | -68.91 | 1.27 | -8.85 | -4.1 | -28.39 | -24.5 | -16.81 | -11.63 | -52.72 | -28.8 | 0.51 | 1.8 | -72.24 | -103.71 | 5.69 | 0.81 | 0.28 | 7.98 | 0 | -3.55 | 11.48 |
| EBITDA
| 93,474 | 7,549 | 61,635 | 9,148 | 38,196 | 53,546 | 434,058 | 308,540 | 356,516 | 265,550 | 234,860 | 27,148 | 179,619 | 93,939 | 113,585 | 125,097 | 182,209 | -66,082 | 203,681 | 259,220 | 413,816 | 349,711 | 136,284 | 124,514 | -3,359 | 268,553 | 264,905 | 284,696 | 11,356 | -3,171 | 305,503 | -356,162 | 251,266 | 158,006 | 203,018 | 10,910 | 21,813 | 100,275 | 153,163 | -175,471 | 44,749 | 315,167 | 296,165 | -164,550 | -449,469 | 292,762 | 258,833 | 241,673 | 262,614 | 0 | 183,526 | 1,087,427 |
| EBITDA Ratio
| 0.36 | 0.01 | 0.288 | 0.01 | 0.179 | 0.253 | 2.167 | 1.512 | 1.817 | 1.651 | 1.698 | 0.493 | 2.941 | 3.613 | 128.345 | 4.338 | 9.608 | 0.431 | 1.84 | -119.017 | 15.222 | 8.014 | 3.254 | 11.373 | -0.025 | 2.154 | 1.95 | 2.253 | 0.076 | -0.024 | 1.792 | -3.254 | 1.578 | 1.65 | 2.073 | -0.175 | 0.125 | 2.273 | 2.963 | 9.969 | 1.283 | 4.837 | 5.445 | -1.013 | 18.826 | 2.492 | 2.367 | 1.125 | 5.174 | 0 | 1.211 | -1.418 |