Pegadaian Records Rp8.34 Trillion Net Profit in 2025, Surging 42.6 Per Cent

Jakarta, VIVA – PT Pegadaian recorded a 42.6 per cent year-on-year increase in net profit for 2025, booking Rp8.34 trillion compared with Rp5.85 trillion in 2024.

Pegadaian President Director Damar Latri Setiawan said the positive performance was driven by the company’s total assets reaching Rp151.7 trillion, representing growth of 47.8 per cent year-on-year from Rp102.6 trillion in 2024.

He added that this was also supported by gross Outstanding Loans (OSL) of Rp126 trillion, which surged 47.5 per cent compared with the previous year’s figure of Rp85.4 trillion. With these achievements, the company successfully improved its Return on Assets (ROA) to 6.7 per cent and Return on Equity (ROE) to 21.73 per cent.

Meanwhile, the non-performing loan (NPL) ratio fell significantly from 0.63 per cent in 2024 to 0.38 per cent in 2025, reflecting improving financing quality and increasingly sound business management.

“Pegadaian remains committed to supporting people’s economic growth through inclusive pawn products, accessible micro-lending services, and reliable Pegadaian Gold Bank services,” Damar said in Jakarta on 18 February 2026.

He stated that the public can meet urgent funding needs without losing their assets through pawn product services. Meanwhile, through micro-lending services, MSME operators can gain affordable access to working capital to increase business capacity and enterprise development.

The public is also finding it increasingly easy to plan, manage and optimise gold investment portfolios, both physically and digitally, through the gold bank service.

“Pegadaian is here to meet the public’s trust with a range of products and services tailored to their needs,” Damar Latri Setiawan said.

Regarding performance targets for 2026, Pegadaian Director of Finance and Strategic Planning Ferdian Timur Satyagraha expressed optimism that the company’s business can continue to grow despite ongoing challenges posed by domestic economic conditions and global geopolitics.

“Through the implementation of an adaptive corporate strategy, the strengthening of solution-based services, regulatory compliance, and sustainable corporate culture transformation, Pegadaian will be able to meet every challenge in order to continue delivering growing performance, expanding business, sound governance and safe operational services,” he said.