Stock

PT Magna Investama Mandiri Tbk

MGNA.JK

Financial - Credit Services · Financial Services

Price

96.00 IDR

+0.00 (+0.00%)

Market Cap

327.47B IDR

Exchange

Indonesia Stock Exchange

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Data as of Sep 6, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality

Mixed

Growth

Weak

Cash Flow

Weak

Stability

Weak

Valuation

Data not available

Track this stock — start free trial

Share count rising — dilution

+240.0% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 1.00B (2021) → 3.41B (2025)

§Winston Score History

The full picture

Headquartered in Jakarta Selatan, Indonesia, PT Magna Investama Mandiri Tbk provides a diverse array of financial services, including consumer lending, leasing, and factoring, to individuals and corporate clients across the nation. A cornerstone of its business lies in offering financing solutions primarily for pre-owned vehicles. The company operates an extensive network of 29 branches and representative offices strategically located throughout Java, Sumatera, and Borneo. Originally established in 1984 as PT Magna Finance Tbk, the firm officially adopted its present name, PT Magna Investama Mandiri Tbk, in November 2017.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-1.8% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-107.4% YoY

YoY Growth Rate

Earnings declining

R&D Spend

0 IDR/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Runway

~10 years

56.8B IDR cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

56.8B IDR cash & investments at current burn rate

Revenue declining

PT Magna Investama Mandiri Tbk's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

50.0%

Healthy — 50.0% gross margin

Profit after running costs

Operating Margin

14.1%

Healthy — 14.1% operating margin

Return on the money invested

ROCE

7.7%

Weak — 7.7% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth

Sales YoY

-6.7%

Shrinking sales (-6.7% YoY)

Profit growth

EPS YoY

-169.0%

Earnings shrinking (-169.0% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

-3.5%

Burning cash (-3.5%)

Free cash flow is negative. They are burning cash, not generating it.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

What it owes vs what it owns

Debt / Equity

2.22

Heavy debt load (2.22)

Covers its interest

Interest Cover

0.74x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Not applicable for this business.

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial