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Finance

Clipan Finance Indonesia has been growing its revenues and asset by 21.8% and 18.6% a year on average in the last 3 years. Its loans and deposits have grown by 14.1% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of 6.29% in the last three years with net profit growing 2.14% a year on average. In terms of operating efficiency, its cost to income ratio reached 35.4% in 2018, compared to 32.3% average in the last three years.

Equity represented 39.2% of total assets or 45.6% of loans at the end of 2018. Clipan Finance Indonesia's non-performing loans were 1.28% of total loans while provisions covered some 155% of NPLs at the end of 2018.

Valuation

Clipan Finance Indonesia stock traded at RUB 314 per share at the end of 2018 resulting in a market capitalization of USD 92.4 mil. Over the previous five years, stock price fell by 18.4% or 4% a year on average. That’s compared to an average ROE of 8.09% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 4.10x and price to book value (PBV) of 0.288x in 2018.