MCOR — Income Statement (Laba Rugi)
Laporan Keuangan Ringkasan laba rugi, neraca, dan arus kas — MCOR PT Bank China Construction Bank Indonesia Tbk
| Dalam Jutaan IDR | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|
| ▼ Total Pendapatan | 561,316 | 2,180,379 | 1,628,430 | 1,086,133 | 550,731 | 2,141,940 | 1,572,065 | 1,035,836 | 497,833 |
| Pendapatan Bunga | 561,316 | 2,180,379 | 1,628,430 | 1,086,133 | 550,731 | 2,141,940 | 1,572,065 | 1,035,836 | 497,833 |
| Provisi Dan Komisi Kredit | - | - | - | - | - | - | - | - | - |
| Total Pendapatan | 561,316 | 2,180,379 | 1,628,430 | 1,086,133 | 550,731 | 2,141,940 | 1,572,065 | 1,035,836 | 497,833 |
| ▼ Total Beban Pokok Penjualan | (306,389) | (1,228,609) | (913,147) | (614,812) | (313,693) | (1,146,130) | (825,091) | (520,522) | (252,888) |
| Beban Bunga | (306,389) | (1,228,609) | (913,147) | (614,812) | (313,693) | (1,146,130) | (825,091) | (520,522) | (252,888) |
| Beban Provisi Dan Komisi | - | - | - | - | - | - | - | - | - |
| Total Beban Pokok Penjualan | (306,389) | (1,228,609) | (913,147) | (614,812) | (313,693) | (1,146,130) | (825,091) | (520,522) | (252,888) |
| Laba Kotor | 254,927 | 951,770 | 715,283 | 471,321 | 237,038 | 995,810 | 746,974 | 515,314 | 244,945 |
| ▼ Total Beban Usaha | (155,729) | (565,415) | (425,494) | (275,630) | (136,763) | (620,268) | (448,098) | (305,635) | (153,686) |
| ▼ Pendapatan Operasional Lainnya | (18,061) | (26,367) | 42,560 | (9,024) | (4,787) | (66,244) | 75,354 | (25,983) | (10,903) |
| Provisi Dan Komisi Lainnya | - | - | - | - | - | - | - | - | - |
| Keuntungan Transaksi Perdagangan | - | - | - | - | - | - | - | - | - |
| Pendapatan Dividen | - | - | - | - | - | - | - | - | - |
| Keuntungan (Rugi) Atas Transaksi Derivatif | - | - | - | - | - | - | - | - | - |
| Others | (18,061) | (26,367) | 42,560 | (9,024) | (4,787) | (66,244) | 75,354 | (25,983) | (10,903) |
| Total Pendapatan Operasional | (18,061) | (26,367) | 42,560 | (9,024) | (4,787) | (66,244) | 75,354 | (25,983) | (10,903) |
| ▼ Beban Operasional Lainnya | (137,668) | (539,048) | (468,054) | (266,606) | (131,976) | (554,024) | (523,452) | (279,652) | (142,783) |
| Beban Penyisihan Kerugian Penurunan Nilai | - | - | (61,320) | - | - | - | (106,982) | - | - |
| Beban Umum Dan Administrasi | (58,439) | (234,199) | (177,976) | (115,722) | (57,371) | (243,880) | (181,434) | (122,225) | (63,914) |
| Others | (79,229) | (304,849) | (228,758) | (150,884) | (74,605) | (310,144) | (235,036) | (157,427) | (78,869) |
| Total Beban Operasional | (137,668) | (539,048) | (468,054) | (266,606) | (131,976) | (554,024) | (523,452) | (279,652) | (142,783) |
| Total Beban Usaha | (155,729) | (565,415) | (425,494) | (275,630) | (136,763) | (620,268) | (448,098) | (305,635) | (153,686) |
| Laba Usaha | 99,198 | 386,355 | 289,789 | 195,691 | 100,275 | 375,542 | 298,876 | 209,679 | 91,259 |
| ▼ Penghasilan/Beban Lain-Lain | 1,017 | 6,804 | 6,206 | 5,770 | 411 | 6,747 | (15,553) | (19,851) | 3,063 |
| Others | 1,017 | 6,804 | 6,206 | 5,770 | 411 | 6,747 | (15,553) | (19,851) | 3,063 |
| Total Penghasilan/Beban Lain-Lain | 1,017 | 6,804 | 6,206 | 5,770 | 411 | 6,747 | (15,553) | (19,851) | 3,063 |
| Laba Sebelum Pajak | 100,215 | 393,159 | 295,995 | 201,461 | 100,686 | 382,289 | 283,323 | 189,828 | 94,322 |
| ▼ Beban Pajak Penghasilan | (22,047) | (91,211) | (65,119) | (44,321) | (22,151) | (86,887) | (62,331) | (41,762) | (20,751) |
| Pajak Kini | - | - | - | - | - | - | - | - | - |
| Pajak Tangguhan | - | - | - | - | - | - | - | - | - |
| Total Beban Pajak Penghasilan | (22,047) | (91,211) | (65,119) | (44,321) | (22,151) | (86,887) | (62,331) | (41,762) | (20,751) |
| Laba Bersih Tahun Berjalan | 78,168 | 301,948 | 230,876 | 157,140 | 78,535 | 295,402 | 220,992 | 148,066 | 73,571 |
| ▼ Pendapatan Komprehensif Lain | (9,532) | 1,774 | 12,353 | 13,135 | 13,956 | 5,837 | 6,411 | (1,800) | 4,416 |
| Others | (9,532) | 1,774 | 12,353 | 13,135 | 13,956 | 5,837 | 6,411 | (1,800) | 4,416 |
| Total Pendapatan Komprehensif Lain | (9,532) | 1,774 | 12,353 | 13,135 | 13,956 | 5,837 | 6,411 | (1,800) | 4,416 |
| Jumlah Laba Komprehensif | 68,636 | 303,722 | 243,229 | 170,275 | 92,491 | 301,239 | 227,403 | 146,266 | 77,987 |
| ▼ Laba Bersih Yang Dapat Diatribusikan | 78,168 | 301,948 | 230,876 | 157,140 | 78,535 | 295,402 | 220,992 | 148,066 | 73,571 |
| Pemilik Entitas Induk | 78,168 | 301,948 | 230,876 | 157,140 | 78,535 | 295,402 | 220,992 | 148,066 | 73,571 |
| Kepentingan Non-Pengendali | - | - | - | - | - | - | - | - | - |
| Total Laba Bersih Yang Dapat Diatribusikan | 78,168 | 301,948 | 230,876 | 157,140 | 78,535 | 295,402 | 220,992 | 148,066 | 73,571 |
| ▼ Laba Komprehensif Yang Dapat Diatribusikan | 68,636 | 303,722 | 243,229 | 170,275 | 92,491 | 301,239 | 227,403 | 146,266 | 77,987 |
| Pemilik Entitas Induk | 68,636 | 303,722 | 243,229 | 170,275 | 92,491 | 301,239 | 227,403 | 146,266 | 77,987 |
| Kepentingan Non-Pengendali | - | - | - | - | - | - | - | - | - |
| Total Laba Komprehensif Yang Dapat Diatribusikan | 68,636 | 303,722 | 243,229 | 170,275 | 92,491 | 301,239 | 227,403 | 146,266 | 77,987 |
Key Ratios — MCOR
| Rasio | Q1 2026 ×4 | Q4 2025 | Q3 2025 ×1⅓ | Q2 2025 ×2 | Q1 2025 ×4 | Q4 2024 | Q3 2024 ×1⅓ | Q2 2024 ×2 | Q1 2024 ×4 |
|---|---|---|---|---|---|---|---|---|---|
| Profitabilitas | |||||||||
| Gross Margin (%) | 45.42% | 43.65% | 43.92% | 43.39% | 43.04% | 46.49% | 47.52% | 49.75% | 49.20% |
| Operating Margin (%) | 17.67% | 17.72% | 17.80% | 18.02% | 18.21% | 17.53% | 19.01% | 20.24% | 18.33% |
| Net Margin (%) | 13.93% | 13.85% | 14.18% | 14.47% | 14.26% | 13.79% | 14.06% | 14.29% | 14.78% |
| ROE (%) | 4.33% | 4.23% | 4.34% | 4.48% | 4.53% | 4.32% | 4.35% | 4.43% | 4.45% |
| ROA (%) | 0.84% | 0.79% | 0.90% | 0.94% | 0.92% | 0.88% | 0.92% | 0.94% | 0.99% |
| Per Lembar Saham | |||||||||
| EPS (Rp) | 8,33 | 8,04 | 8,20 | 8,37 | 8,37 | 7,87 | 7,85 | 7,89 | 7,84 |
| BVPS (Rp) | 192,17 | 190,34 | 188,73 | 186,79 | 184,71 | 182,25 | 180,28 | 178,12 | 176,30 |
| Valuasi | |||||||||
| PER (x) | 8.16x | 8.46x | 8.29x | 8.12x | 8.12x | 8.64x | 8.66x | 8.62x | 8.67x |
| PBV (x) | 0.35x | 0.36x | 0.36x | 0.36x | 0.37x | 0.37x | 0.38x | 0.38x | 0.39x |
| Struktur Modal | |||||||||
| DER (x) | 4.14x | 4.33x | 3.84x | 3.76x | 3.94x | 3.90x | 3.75x | 3.71x | 3.51x |