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Laba Bersih PT Pegadaian Tembus Rp 8,34 Triliun pada 2025

Laba Bersih PT Pegadaian Tembus Rp 8,34 Triliun pada 2025

PT Pegadaian (Persero) mencatatkan laba bersih Rp8,34 triliun sepanjang 2025, tumbuh 42,6% dari Rp5,85 triliun pada 2024. Pencapaian ini didorong oleh ekspansi aset, pinjaman, dan layanan Bank Emas yang sukses, meski dibandingkan semester I-2025 laba Rp3,58 triliun. Kinerja solid ini perkuat posisi Pegadaian sebagai akselerator inklusi keuangan di Indonesia.

Kinerja Keuangan Utama

Pendapatan usaha melonjak berkat penjualan emas dan sewa modal, dengan aset capai Rp121 triliun per semester I. ROA naik ke 6,7% dan ROE 21,73%, ditopang penurunan NPL dari 0,63% jadi 0,38%. Ekuitas tumbuh stabil, sementara liabilitas naik akibat ekspansi agresif.

Faktor Pendorong

Penjualan emas: Kontribusi terbesar, tumbuh ratusan persen YoY di semester I.

Outstanding loan: Naik 31,8% YoY jadi Rp101,5 triliun per Juni 2025.

Layanan baru seperti pinjaman modal kerja emas dan titipan emas korporasi dorong nasabah bertambah. Ekosistem emas jadi penopang utama di tengah fluktuasi pasar.

Prospek 2026

Target laba tetap optimis meski ada risiko beban usaha tinggi dari harga pokok emas. Pegadaian fokus inklusi keuangan via digitalisasi, potensial dukung pertumbuhan UMKM di tengah ekonomi Indonesia yang pulih. Investor pantau rilis laporan lengkap 2025 untuk validasi tren positif ini.

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