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Verena Oto Finance

Verena Oto Finance's price/earnings (P/E) rose 31,072% yoy to 121 in 3Q2019

By Helgi Analytics - March 4, 2020

Verena Oto Finance stock traded at IDR 124 per share at the end third quarter of 2019 implying a market capitalization of USD 49.7 mil. ...

Verena Oto Finance's market capitalisation (end of period) rose 187% yoy to USD 49.7 mil in 3Q2019

By Helgi Analytics - March 4, 2020

Verena Oto Finance stock traded at IDR 124 per share at the end of third quarter of 2019 implying a market capitalization of USD 49....

Verena Oto Finance's net profit rose 101% yoy to IDR 1.46 bil in 3Q2019

By Helgi Analytics - March 4, 2020

Verena Oto Finance made a net profit of IDR 1.46 bil in the third quarter of 2019, up 101% when compared to the same period of la...

Profit Statement Mar 2019 Jun 2019 Sep 2019
Provisions IDR bil 13.4 13.4 5.91
Net Profit IDR bil -12.3 -19.7 1.46
Balance Sheet Mar 2019 Jun 2019 Sep 2019
Customer Loans IDR bil 2,364 2,283 2,429
Total Assets IDR bil 2,780 2,608 2,732
Shareholders' Equity IDR bil 660 636 637
Interbank Borrowing IDR bil 0 0 0
Customer Deposits IDR bil 0 0 0
Issued Debt Securities IDR bil 2,050 1,906 2,016
Ratios Mar 2019 Jun 2019 Sep 2019
ROE % -10.5 -12.2 0.915
ROA % -2.26 -2.93 0.218
Costs (As % Of Assets) % 5.71 5.40 4.76
NPLs (As % Of Loans) % ... ... ...
Provisions (As % Of NPLs) % ... ... ...
Valuation Mar 2019 Jun 2019 Sep 2019
Price/Earnings (P/E) -15.9 -8.65 121
Price/Book Value (P/BV) 1.18 1.07 1.11
Dividend Yield % ... ... ...
Earnings Per Share (EPS) IDR -8.60 -13.9 1.02
Book Value Per Share IDR 116 112 112
Dividend Per Share IDR ... ... ...

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summary Unit Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
income statement                                                                                          
Net Profit IDR bil                                                                             0.653 -6.69 -165 -21.8 -12.3    
balance sheet                                                                                          
Customer Loans IDR bil                                                                             1,498 1,330 856 1,291 2,364    
Debt Securities IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         0 0 0 0 0    
Total Assets IDR bil                                                                             1,679 1,517 1,184 1,565 2,780    
Shareholders' Equity IDR bil                                                                             465 458 292 271 660    
Interbank Borrowing IDR bil   ...       ...                                                                 0 0 0 0 0    
Customer Deposits IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0    
Issued Debt Securities IDR bil                                                                             1,158 1,020 857 1,255 2,050    
ratios                                                                                          
ROE % ...                                                                           0.562 -5.80 -176 -30.9 -10.5    
ROA % ...                                                                           0.152 -1.67 -48.9 -6.33 -2.26    
Costs (As % Of Assets) % ...                                                                           6.07 5.37 7.44 4.91 5.71    
Equity (As % Of Assets) %                                                                             27.7 30.2 24.7 17.3 23.8    
Loans (As % Assets) %                                                                             89.2 87.7 72.3 82.5 85.0    
NPLs (As % Of Loans) %                                                                   ... ... ... ... ... ... ... ... ... ... ... ...
Provisions (As % Of NPLs) %                     ...       ...       ...                             ... ... ... ... ... ... ... ... ... ... ... ...
valuation                                                                                          
Market Capitalisation (End Of Period) USD mil                                                                             17.6 14.3 17.3 20.8 54.7    
Number Of Shares (Average) mil ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ... ...                                     2,585 2,585 2,585 2,585 5,687    
Share Price (End Of Period) IDR                                                                             94.0 79.0 100 116 137    
Earnings Per Share (EPS) IDR ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ... ...                                     1.00 -10.3 -256 -33.7 -8.60    
Book Value Per Share IDR ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ... ...                                     180 177 113 105 116    
Dividend Per Share IDR ... ... ... ... ... ...     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ... ...                                     94.0 -7.64 -0.391 -3.45 -15.9    
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ... ...                                     0.523 0.446 0.884 1.11 1.18    
Dividend Yield % ... ... ... ... ... ...     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                             -70.8 -696 -3,528 -1,050 -960   ...
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                             -36.9 -36.8 -67.5 -10.7 -35.4    
income statement Unit Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
income statement                                                                                          
Operating Cost IDR bil                                                                             26.0 21.5 25.1 16.9 31.0    
Provisions IDR bil                                                                             11.0 11.7 174 18.8 13.4    
Pre-Tax Profit IDR bil                                                                             0.872 -7.34 -173 -13.7 -12.1    
Tax IDR bil                                                                             0.219 -0.655 -8.24 8.05 0.101    
Minorities IDR bil                                                                             0 0 0 0 0    
Net Profit IDR bil                                                                             0.653 -6.69 -165 -21.8 -12.3    
Dividends IDR bil ... ... ... ... ... ...     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
growth rates                                                                                          
Operating Cost Growth % ... ... ... ...                                                                     -8.01 -32.7 -14.0 -35.4 19.1    
Pre-Tax Profit Growth % ... ... ... ...                                                                     -27.1 -870 -5,304 -383 -1,494    
Net Profit Growth % ... ... ... ...                                                                     -24.2 -1,034 -6,784 -721 -1,976    
market share                                                                                          
Market Share in Net Profit % ... ... ... ... ... ... ... ... ... ... ... ... ... ...                           ...           ... ... ... ... ... ... ... ... ... ... ... ...
balance sheet Unit Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
balance sheet                                                                                          
Cash IDR bil                                                                             16.0 24.4 12.7 5.38 220    
Customer Loans IDR bil                                                                             1,498 1,330 856 1,291 2,364    
Retail Loans IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1,430 1,280 860 1,251 1,194    
Corporate Loans IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       106 91.1 25.3 70.1 1,246    
Debt Securities IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         0 0 0 0 0    
Fixed Assets IDR bil                                                                             31.8 29.5 28.5 27.4 43.5    
Total Assets IDR bil                                                                             1,679 1,517 1,184 1,565 2,780    
Shareholders' Equity IDR bil                                                                             465 458 292 271 660    
Of Which Minority Interest IDR bil                                                                             0 0 0 0 0    
Liabilities IDR bil                                                                             1,214 1,059 891 1,294 2,120    
Interbank Borrowing IDR bil   ...       ...                                                                 0 0 0 0 0    
Customer Deposits IDR bil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0    
Issued Debt Securities IDR bil                                                                             1,158 1,020 857 1,255 2,050    
asset quality                                                                                          
Non-Performing Loans IDR bil                                                                   ... ... ... ... ... ... ... ... ... ... ... ...
Gross Loans IDR bil                                                                             1,537 1,371 885 1,321 2,440    
Total Provisions IDR bil                     ...       ...                                               38.3 40.5 29.3 30.4 75.8    
growth rates                                                                                          
Customer Loan Growth % ... ... ... ...                                                                     -0.779 -14.7 -44.3 -15.1 57.8    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -9.05 -39.8 -12.4 -16.5    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -48.1 -81.3 -39.4 1,073    
Total Asset Growth % ... ... ... ...                                                                     -1.41 -17.5 -31.4 -10.6 65.5    
Shareholders' Equity Growth % ... ... ... ...                                                                     61.8 -0.860 -36.5 -41.6 42.0    
market share                                                                                          
Market Share in Customer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ...                                         ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Total Assets % ... ... ... ... ... ... ... ... ... ... ... ... ...                                         ... ... ... ... ... ... ... ... ... ... ... ...
ratios Unit Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
ratios                                                                                          
ROE % ...                                                                           0.562 -5.80 -176 -30.9 -10.5    
ROA % ...                                                                           0.152 -1.67 -48.9 -6.33 -2.26    
Costs (As % Of Assets) % ...                                                                           6.07 5.37 7.44 4.91 5.71    
Equity (As % Of Assets) %                                                                             27.7 30.2 24.7 17.3 23.8    
Loans (As % Assets) %                                                                             89.2 87.7 72.3 82.5 85.0    
NPLs (As % Of Loans) %                                                                   ... ... ... ... ... ... ... ... ... ... ... ...
Provisions (As % Of NPLs) %                     ...       ...       ...                             ... ... ... ... ... ... ... ... ... ... ... ...
Provisions (As % Of Loans) %                     ...       ...                                               2.55 3.05 3.43 2.35 3.21    
Cost of Provisions (As % Of Loans) % ...                                                                           2.93 3.30 63.6 7.02 2.93    
other data Unit Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
other data                                                                                          
Employees                                                                             638 463 463 474 533    
Return on Loans % ... ... ...                                                                       0.487 -0.004 -15.3 -18.0 -11.3    
Costs (As % Of Loans) % ... ... ...                                                                       7.41 6.99 7.59 7.19 6.47    
Equity (As % Of Loans) %                                                                             31.0 34.4 34.2 21.0 27.9    

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Verena Oto Finance's equity (as % of assets) fell 5.63% yoy to 23.3% in 3Q2019

By Helgi Analytics - March 4, 2020

Verena Oto Finance's Equity reached 23.3% of total assets in the 3Q2019, down from 24.7% for the previous year. As a share of net customer loans, the ratio amounted to 26.2% at the end of the third quarter of 2019. ...

Verena Oto Finance's net profit fell 2,656% yoy to IDR -193 bil in 2018

By Helgi Analytics - March 4, 2020

Verena Oto Finance made a net profit of IDR -193 bil under revenues of IDR 114 bil in 2018, up -2,656% and -36.4% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of IDR 34.6 bil in 2013 and an all time low of I...

Verena Oto Finance's net interest margin fell 23.1% yoy to 4.46% in 2018

By Helgi Analytics - March 4, 2020

Verena Oto Finance's net interest margin amounted to 4.46% in 2018, down from 5.80% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 21.2% in 2006 and an all time low of 4.46% in 2018. The average m...

Verena Oto Finance's net interest income fell 28.0% yoy to IDR 74.0 bil in 2018

By Helgi Analytics - March 4, 2020

Verena Oto Finance generated total banking revenues of IDR 114 bil in 2018, down 36.4% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of IDR 187 bil in 2014 and...

Verena Oto Finance's total revenues rose 17.9% yoy to IDR 179 bil in 2017

By Helgi Analytics - March 4, 2020

Verena Oto Finance generated total banking revenues of IDR 179 bil in 2017, up 17.9% compared to the previous year. Indonesian banking sector banking sector generated total revenues of IDR 516,680,067 mil in 2017, up 2.44% when compared to the last ye...

Verena Oto Finance's price/earnings (P/E) rose 5.80% yoy to 24.4 in 2017

By Helgi Analytics - March 4, 2020

Verena Oto Finance stock traded at IDR 93.0 per share at the end 2017 implying a market capitalization of USD 17.7 mil. Since the end of 2012, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company ro...

Verena Oto Finance's customer loans fell 5.35% yoy to IDR 1,520 bil in 2017

By Helgi Analytics - March 4, 2020

Verena Oto Finance's customer loans reached IDR 1,520 bil in 2017, down 5.35% compared to the previous year. Indonesian banking sector provided customer loans of IDR 4,736,963 bil in 2017, up 8.70% when compared to the last year. Verena Oto Finance accoun...

Verena Oto Finance's share price (end of period) fell 37.2% yoy to IDR 93.0 in 2017

By Helgi Analytics - March 4, 2020

Verena Oto Finance stock traded at IDR 93.0 per share at the end of 2017 implying a market capitalization of USD 17.7 mil. Since the end of 2012, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the company ...

Verena Oto Finance's npls (as % of loans) rose 6.19% yoy to 0.531% in 3Q2016

By Helgi Analytics - March 4, 2020

Verena Oto Finance's non-performing loans reached 0.531% of total loans at the end of 2016-09-30, up from 0.500% compared to the previous year. Historically, the NPL ratio hit an all time high of 2.26% in 2008-12-31 and an all time low of 0.315% in 2012-12-31. ...

Verena Oto Finance's customer loans fell 11.7% yoy to IDR 1,645 bil in 3Q2016

By Helgi Analytics - March 4, 2020

Verena Oto Finance's customer loans reached IDR 1,645 bil in 2016-09-30, down 0.182% compared to the previous year. Indonesian banking sector provided customer loans of IDR 4,266,074 bil in 2016-09-30, up 1.34% when compared to the last year. Verena Oto F...

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