WOM Finance Reveals Most Profitable Motorcycle Loan Segment

Motorcycle Financing Continues to Drive Portfolio

WOM Finance, a leading financing company in Indonesia, has reported that motorcycle financing remains a cornerstone of its business portfolio. The company's financial performance continues to be supported by strong demand for motorcycle financing, particularly for matic motorcycles which remain the most popular choice among consumers. According to Cincin Lisa Hadi, WOM Finance's Finance Director, the preference for matic motorcycles hasn't changed significantly as they are considered more practical and efficient for daily mobility needs.

Stable Growth Through Strategic Partnerships

To maintain growth momentum, WOM Finance has been strengthening its partnerships with motorcycle dealers and brand agents. The company has also been focusing on enhancing its digital processes to improve efficiency and customer experience. While challenges persist in the form of selective consumer spending and market price dynamics, WOM Finance believes it can maintain growth quality through effective risk management and competitive services. The company's non-performing financing (NPF) ratio remains under control due to robust credit initiation processes and effective collection methods.

Financial Performance Highlights

As of September 2025, WOM Finance reported revenue of Rp1.62 trillion, representing a 0.62% year-on-year growth. Operating expenses increased by 76.6% to Rp1.48 trillion, while net profit for the period reached Rp103.4 billion. The company's financial performance is supported by the overall motorcycle sales trend in Indonesia. According to the Indonesian Motorcycle Industry Association (AISI), motorcycle sales in October 2025 reached 590,362 units, a 4.09% month-on-month increase, with matic motorcycles accounting for nearly 95% of total sales.

Market Outlook

The motorcycle financing market remains promising despite challenges. WOM Finance continues to focus on maintaining its market position through strategic partnerships and digital innovation. The company's ability to manage risks effectively while providing competitive services will be crucial in sustaining its growth in the competitive financing market.