Key Performance Indicators

Real-time financial metrics and performance indicators

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Total Revenue

Rp 0

+0% YoY

Net Profit

Rp 0

+0% YoY

Profit Margin

0%

+0pp

ROE

0%

+0pp

Financial Health Score

0

Poor

Based on 5 key metrics

Performance Metrics

Current Ratio 0x

Quick Ratio 0x

Debt to Equity 0

ROA 0%

Asset Turnover 0x

Operating Margin 0%

Key Metrics Summary

Metric	Current	Previous	Change	Status
Revenue Growth	0%	0%	+0pp	N/A
Profit Margin	0%	0%	+0pp	N/A
Return on Equity	0%	0%	+0pp	N/A
Current Ratio	0x	0x	+0	N/A

Composite Score (0-100) based on internationally recognized financial analysis frameworks

Scoring Components (20 points each):

1. Profitability Analysis

Metric: Net Profit Margin

>15%: Excellent (20pts)
10-15%: Good (16pts)
5-10%: Fair (12pts)
0-5%: Poor (8pts)

Reference: Industry benchmarks for Financial Technology sector

2. Liquidity Analysis

Metric: Current Ratio

>2.5x: Excellent (20pts)
2.0-2.5x: Good (16pts)
1.5-2.0x: Fair (12pts)
1.0-1.5x: Poor (8pts)

Reference: GAAP & IFRS liquidity standards

3. Return on Equity

Metric: ROE (%)

>25%: Excellent (20pts)
20-25%: Good (16pts)
15-20%: Fair (12pts)
10-15%: Poor (8pts)

Reference: DuPont Analysis Framework

4. Leverage Analysis

Metric: Debt-to-Equity Ratio

<0.3: Excellent (20pts)
0.3-0.5: Good (16pts)
0.5-1.0: Fair (12pts)
1.0-1.5: Poor (8pts)

Reference: Modigliani-Miller Capital Structure Theory

5. Asset Efficiency

Metric: Return on Assets (ROA)

>15%: Excellent (20pts)
12-15%: Good (16pts)
8-12%: Fair (12pts)
5-8%: Poor (8pts)

Reference: Asset Management Efficiency Standards

Score Interpretation

80-100: Excellent Financial Health
60-79: Good Financial Health
40-59: Fair Financial Health
0-39: Poor Financial Health

Methodology: Equal-weighted composite scoring with industry-adjusted benchmarks

Academic & Professional References:

DuPont Analysis: Financial performance decomposition framework (DuPont Corporation, 1920s)
Liquidity Ratios: Generally Accepted Accounting Principles (GAAP) & International Financial Reporting Standards (IFRS)
Capital Structure: Modigliani-Miller Theorem on optimal capital structure
Industry Benchmarks: Financial Technology sector analysis (McKinsey Global Institute, 2023)
Risk Assessment: Basel III regulatory framework for financial institutions

Key Financial Ratios based on internationally recognized financial analysis standards

Liquidity Ratios

Current Ratio

Formula: Current Assets ÷ Current Liabilities

Interpretation:

>2.0: Excellent liquidity
1.5-2.0: Good liquidity
1.0-1.5: Adequate liquidity
<1.0: Poor liquidity

Quick Ratio

Formula: (Current Assets - Inventory) ÷ Current Liabilities

Purpose: More conservative liquidity measure

Reference: GAAP & IFRS liquidity analysis standards

Leverage Ratios

Debt-to-Equity Ratio

Formula: Total Debt ÷ Total Equity

Interpretation:

<0.3: Conservative financing
0.3-0.6: Moderate leverage
0.6-1.0: High leverage
>1.0: Very high risk

Industry Context: Fintech companies typically maintain lower leverage due to regulatory requirements

Reference: Modigliani-Miller capital structure theory & Basel III guidelines

Profitability Ratios

Return on Assets (ROA)

Formula: Net Income ÷ Total Assets

Benchmark (Fintech):

>15%: Excellent efficiency
10-15%: Good efficiency
5-10%: Average efficiency
<5%: Below average

Operating Margin

Formula: (Revenue - COGS - OpEx) ÷ Revenue

Purpose: Operational efficiency measurement

Reference: DuPont Analysis & McKinsey profitability frameworks

Efficiency Ratios

Asset Turnover

Formula: Revenue ÷ Total Assets

Interpretation:

>2.0x: Excellent asset utilization
1.5-2.0x: Good utilization
1.0-1.5x: Average utilization
<1.0x: Poor utilization

Industry Note: Fintech companies typically have higher asset turnover due to asset-light business models

Reference: Asset management efficiency standards (CFA Institute)

Academic & Professional Standards:

Financial Ratio Analysis: Brigham & Houston "Fundamentals of Financial Management"
Liquidity Standards: International Accounting Standards (IAS 1) - Presentation of Financial Statements
Leverage Analysis: Basel III Capital Requirements Directive (CRD IV)
Profitability Benchmarks: CFA Institute Financial Analysis Standards
Industry Comparisons: S&P Global Market Intelligence sector analysis
Risk Assessment: COSO Enterprise Risk Management Framework

Important Notes:

Ratios should be compared within the same industry and time period
Financial Technology sector typically shows different patterns than traditional industries
Regulatory requirements may affect optimal ratio ranges for fintech companies
Economic cycles and market conditions influence ratio interpretation

Key Performance Indicators

Total Revenue

Rp 0

Net Profit

Rp 0

Profit Margin

0%

ROE

0%

Financial Health Score

0

Performance Metrics

Key Metrics Summary

Financial Health Score Methodology

Scoring Components (20 points each):

Academic & Professional References:

Performance Metrics Methodology

Current Ratio

Quick Ratio

Debt-to-Equity Ratio

Return on Assets (ROA)

Operating Margin

Asset Turnover

Academic & Professional Standards:

Important Notes: