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Page 1
27 February 2026




FY/4Q 2025
Earnings Call
LPPF.IJ / LPPF.JK
Page 2
Executive Summary
                                                                      MACROECONOMIC COMMENTARY
                                                                      •   Softening consumer demand, as reflected in declining personal savings rates.
                        Income Statement
                                                                      •   Weakening labor market conditions, characterized by: higher proportion of informal workers, increased
 FY25 Sales: IDR 11.1Tn (-10.2% and -7.5% SSSG vs. LY),                   share of employees earning below minimum wage, and the highest youth unemployment rate in
 with broad-based weakness across regions (-8.0% SSSG in Java             Southeast Asia.
 and -7.0% SSSG outside Java).                                        •   Continued pressure from illegal imports, evidenced by a persistent export-import gap.
 Gross Margin: 34.7% (vs. FY24: 34.6%), supported by a higher
 private label mix and disciplined pricing.                           STRATEGIC INITIATIVES
                                                                      Key milestones of 2025 priorities were achieved:
 EBITDA: IDR 1.2Tn (-16.9% vs. FY24: IDR 1.4Tn) reflecting lower      •   Merchandise: Expanded SUKO and ZES assortments. Refreshed key private labels and introduced new
 sales, partially offset by a 6.6% reduction in OPEX vs. LY.              brands under MU+KU to strengthen overall assortment relevance and appeal.

 Net Income: IDR 725Bn (-12.4% vs. FY24: IDR 828Bn) supported         •   Store Network Optimization: Closed seven underperforming stores. Opened five SUKO and two ZES mono-
                                                                          stores. Launched MU+KU multi-brand stores, successfully attracting new customer segments while
 by lower interest expenses, reduced depreciation, and one-off
                                                                          maintaining strong retention among existing MDS customers.
 reversal of stores closure provisions.
                                                                      •   Improved Economics: Secured structural cost efficiencies through rental savings, manpower optimization,
                                                                          and supplier consolidation initiatives.
                           Balance Sheet
                                                                      •   Omnichannel: Delivered online sales growth driven by higher Shop&Talk penetration, stronger customer
 Inventory: IDR 1.0Tn (vs. 2024: IDR 0.7Tn), primarily due to the         engagement, and expanded livestreaming activities.
 early Lebaran timing and investments in new brands.
                                                                      2026 priorities include:
 Cash: IDR 448Bn (vs. 2024: IDR 399Bn) with IDR 1.7Tn in unutilized   •   Merchandise: Further broaden SUKO and ZES assortments alongside expansion of the MU+KU collection.
 credit facilities.                                                       Increase private label penetration and curate differentiated assortments to drive topline growth.
                                                                      •   Store Network Optimization: Accelerate expansion of SUKO and ZES mono-stores. Scale the MU+KU
                             Cash Flow                                    concept in strategic malls. Renovate selected MDS stores to enhance customer experience and better
                                                                          capture younger demographics.
 Capital Expenditures: Continued investment in new store
                                                                      •   Improved Economics: Increase private label space allocation through selective brand introductions.
 expansion, store maintenance, and technology upgrades.                   Actively manage category productivity through regular space reviews to improve GMROS.
 Dividends: Proposed dividend of IDR 250/share for 2026               •   Omnichannel: Expand online assortment with competitive pricing. Align offline and online marketing to
 distribution.                                                            improve advertising effectiveness. Leverage social media more effectively to drive online traffic and
                                                                          conversion.


                                                                                                                                                                                    2
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Consumer Savings Decline
Personal savings in both low- and high-income segments declined.

Savings Index

110.0




        101.1                                                                                                                                                          101.2
                                                                                     101.5
        98.8

                                                                                                                                                                       92.0
                                                                                     94.9
 90.0

                                                                                     83.6
          82.1




 70.0                                                                                                                                                                   72.4
                        Mar                 Jun                 Sep                 Dec                  Mar                 Jun                 Sep                 Dec
                                              2024                                                                             2025

                                                                          Low        Middle       High



 Source: Mandiri Institute

                        *Low: average savings balance of <IDR 1mn per year; Middle: average savings balance IDR 1-10mn per year; High: average savings balance of >IDR 10mn per year   3
Page 4
Competition from Improperly Declared Imports
Meaningful gap in exports/imports data suggest significant illicit imports.

Illegal Imports
Million USD


120                                                                                                                                                             120
             Import Indonesia from China              Gap of Exp CN-ID and Imp ID-CN

             Export China to Indonesia                                                                                                                          100



                                                                                                                                                          61    80
                                                                                                                                                     41
                                                                                        9          31         30
                                                                                   36                   35
 60                                                                                                                44               37    34                    60
                                                                            28
                                          17                         26                                                        37              39
        30
                                 19                           25
                  21     17
                                                       22
                                                25                                                                                                              40
                                                                                        64   29
                                                                                                   53         54                                     54
                                          45                                       47                   49                                                50
                                                                     42     44                                     40               42    44                    20
        37        35     38      38                           36                                                               37              36
                                                       33
                                                26
                                                                                             18
 -                                                                                                                                                              -
       Feb              Apr              Jun          Aug           Oct           Dec        Feb        Apr        Jun              Aug        Oct        Dec
                                               2024                                                                     2025



Source: Trade Map, Statistics Indonesia

                                                                                                                                                                      4
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Financial Highlights: Income Statement
Macroeconomic challenges reflected in profitability decline.

                                                                    Q4                                              FY
                In IDR Bn
                                                  2025                   2024            % Growth    2025            2024           % Growth

Gross Sales                                              2,541                  2,828       -10.2%      11,052           12,307        -10.2%
 SSSG %                                                  -7.8%                  -2.0%                    -7.5%            -1.7%
Gross Profit*                                            879                  974            -9.8%      3,830            4,253         -10.0%
 Gross Margin %                                        34.6%                34.4%                       34.7%            34.6%
OPEX                                                     (632)                  (663)        -4.7%      (2,668)          (2,855)        -6.6%
 Personnel Expenses                                       (195)                  (196)       -0.7%        (881)            (953)        -7.6%
 Occupancy Expenses                                       (346)                  (372)       -7.1%      (1,421)          (1,511)        -6.0%
 Marketing Expenses                                      (35.9)                 (35.1)        2.2%      (140.2)          (153.3)        -8.5%
 Others                                                    (56)                   (60)       -7.2%        (226)            (238)        -5.0%
EBITDA                                                    247                    311        -20.6%          1,162           1,398      -16.9%
  EBITDA Margin %                                         9.7%                  11.0%                       10.5%           11.4%
Net Income (Loss)                                         124                    200        -37.8%           725              828      -12.4%
 Net Income Margin %                                      4.9%                   7.1%                        6.6%            6.7%

*Improvement a result of higher DP mix and greater pricing discipline.



                                                                                                                                           5
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Geographic Sales Performance
Weakness observed consistently across regions.

% YTD Same-store Sales Growth (SSSG)*                                                                                    Gross Sales by
                                                                                                                          Region (%)
                                                                                                       Greater Jakarta      20.8%
                                                                                                       Java ex Jakarta      35.4%
                   Outside
                    Java                                                                               Outside Java         43.8%
                   -7.0%                                                                               Total Sales          100.0%




                    Greater                                         Java
                    Jakarta                                      ex Jakarta
                    -7.3%                                         -8.4%



                 *%SSSG 4Q25: Greater Jakarta -5.9%; Java ex Jakarta -11.0%; and Outside Java -6.4%.                                  6
Page 7
Financial Highlights: Balance Sheet
Net cash at IDR 448Bn with unused Bank Loan Facility of IDR 1.7Tn.

                                      ASSET                                           LIABILITIES & EQUITY
              In IDR Bn                       Dec-25    Dec-24             In IDR Bn               Dec-25      Dec-24
Cash and Bank Balance                             448       399   Bank Loan*                             -         -

Trade Receivables                                  27        40   CV Trade Payables                      639       469

Inventories                                       955       728   DP Trade Payables                      667       567

Right-of-Use Assets                             1,940     2,177   Lease Liabilities                    2,570     2,843

Other Assets                                    1,233     1,193   Other Liabilities                      990       935

Fixed Assets                                      536       604   Equity                                 273       326

Total Asset                                     5,139     5,141   Total Liabilities & Equity           5,139     5,141

* Unutilized facility at IDR 1.7Tn.


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Financial Highlights: Cash Flow Statement
Cautious capex spending and other capital outlay in light of economic condition.

                                                      Q4                                   FY
                 In IDR Bn
                                            2025      2024        % Growth    2025        2024        % Growth

Cash Flow from Operating Activities            847       716         18.2%     1,668       1,810         (7.9%)

Cash Flow from Investing Activities            (36)        (41)     (12.3%)     (137)       (140)        (2.1%)

Cash Flow from Financing Activities           (484)     (399)        21.3%    (1,481)      (1,779)      (16.8%)
 Share Repurchase                               -         -           0.0%        (62)          (2)    4019.8%
 Dividends                                      -         -           0.0%      (668)        (452)       47.9%
 Other Cash Flow for Financing Activities     (484)     (399)        21.3%      (750)      (1,326)      (43.4%)

Cash Increase (Decrease)                       327       277         18.3%           49     (109)      (145.5%)

Beginning Cash Balance                         121       122         (1.0%)      399            508     (21.4%)

Ending Cash Balance                            448       399         12.4%       448            399      12.4%




                                                                                                                 8
Page 9
Capital Allocation
Proposed dividend balanced against projected capital expenditure needs.



                      Capex Plan

            New store opening

            Store refurbishment

Technology & maintenance

     Exploring new concepts

                                                         Dividend*

                                                         Proposed IDR 250/share as

                                                         dividend payout

*subject to AGMS Approval

                                                                                     9
Page 10
Key Initiatives
2025 Updates and 2026 Priorities.




                             Store Network    Improved   Omnichannel
   Merchandise                Optimization   Economics




                                                                       10
Page 11
Merchandise
Diversifying and scaling successes.



2025 Progress                         2026 Priorities
• Revamped private labels and         •   Sharpen private label collections
 launched new brands across key           by developing strong hero SKUs
 categories.                              at compelling price points,
                                          streamlining underperforming
• Expanded SUKO into new sub-             assortments, and enhancing
 categories to reach broader              product quality and consistency.
 consumer segments.

• Strengthened merchandising          •   Continue structured test-and-
 capabilities with a specialist-led       learn initiatives to refine product-
 structure to drive private label         market fit.
 growth.




                                                                                 11
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Store Network Optimization
Improving productivity and brand reach.




2025 Progress                                      2026 Priorities
• Closed seven underperforming stores to enhance   • Expand MU+KU in strategic malls with strong traffic
 overall network health.                             potential.
   Merchandise                                     • Accelerate mono-brand expansion in selected
• Advanced MU+KU multi-brand concept and
                                                     catchments.
 expanded mono-brand formats (SUKO & ZES).
                                                   • Renovate selected Matahari stores to elevate shopping
• Supported store performance uplift with a          experience.
 refreshed marketing playbook.                     • Increase ‘test-and-learn’ concept to strengthen brand
                                                     visibility and awareness.

                                                                                                             12
Page 13
Improved Economics
Driving efficiency and mix enhancement.



                            2025 Progress                      2026 Priorities
                            • Reduced operating costs          • Conduct comprehensive
                             through rental and manpower         space productivity reviews
                             optimization.                       to improve GMROS.

                            • Improved margin through
                             supplier consolidation and        • Optimize consignment
                             space rationalization.              brand portfolio.

                            • Transitioned private labels to
                                                               • Increase private label mix
                             net pricing structure.
                                                                 in selected stores to support
                                                                 margin resilience.
                            • Increased consignment brand
                             participation in store-wide
                             promotions.




                                                                                                 13
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Omnichannel
Scaling digital with discipline.


2025 Progress                            2026 Priorities
• Shop&Talk grew 64.7%, driven by        • Curate focused subcategories with
  direct WhatsApp engagement and          competitive pricing versus top sellers.
  livestreaming.
                                         • Ensure consistent product presentation
• Marketplace sales expanded through      and design language online.
  scaled channel presence.
                                         • Allocate sufficient inventory to sustain
• Improved customer engagement via        product lifecycle and improve algorithm
  integrated marketing and back-end       performance.
  technology rollout.
                                         • Further integrate offline and online
• Piloted traffic-counter analytics to    marketing to enhance ROAS and
  enhance data-driven decisions.          conversion efficiency.




                                                                                      14
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Closing Remarks

Macro challenges                                       Progress and Challenges of Strategic Initiatives
o Consumer demand remains soft amid                    2025 Milestones
  constrained income growth and limited
                                                       o Merchandise: Expanded SUKO and ZES assortments, refreshed core private labels,
  savings recovery.
                                                         and launched new brands within MU+KU. Long merchandising lead times continue
                                                         to limit private label agility.
Impact on performance                                  o Store Network Optimization: Closed seven underperforming stores and expanded
o FY25 sales declined 10.2% YoY to IDR 11.1 Tn, with     mono-brand and multi-brand concepts. Securing high-quality mall locations
  SSSG of -7.5% across regions.                          remains competitive and selective.
o Gross margin remained stable at 34.7%, reflecting    o Improved Economics: Achieved occupancy, manpower, and supplier cost
  improved mix and pricing discipline.                   efficiencies. Long-term lease structures continue to constrain full cost flexibility.
                                                       o Omnichannel: Delivered double-digit Shop&Talk growth and stronger customer
o EBITDA declined 16.9% to IDR 1.2 Tn, partially
                                                         engagement. Technology and data capability gaps remain key areas of focus.
  offset by 6.6% OPEX efficiencies.
o Net income stood at IDR 725 Bn, supported by         2026 Priorities
  lower depreciation, interest expenses, and one-      o Merchandise: Accelerate private label penetration and curated assortment
  off provision reversals.                               development.
                                                       o Store Network Optimization: Expand SUKO, ZES, and MU+KU footprint in strategic
Dividends                                                locations.
o Proposed dividend of IDR 250 per share for           o Improved Economics: Drive space productivity and GMROS improvement.
  2026 distribution.                                   o Omnichannel: Strengthen omnichannel execution through assortment discipline
                                                         and tighter offline–online marketing integration.




                                                                                                                                                 15
Page 16
Contact us

PT Matahari Department Store Tbk

Menara Matahari 12th Floor,
Jl Boulevard Palem Raya No.7
Karawaci, Tangerang 15811, Indonesia

Phone: +6221 547 5228 | +62811 9610 1111
Email: ir@matahari.com

www.matahari.com


DISCLAIMER: This presentation has been prepared by PT Matahari Department Store Tbk (“LPPF” or “Company”) for
informational purposes. Neither this presentation nor any of its content may be reproduced, disclosed or used
without the prior written consent of the Company.

This presentation may contain forward looking statements which represent the Company’s present views on the
probable future events and financial plans. These views are based on current assumptions, are exposed to various
risks, and are subject to considerable changes at any time. The Company warrants no assurance that such outlook
will, in part or as a whole, eventually be materialized. Actual results may differ materially from those projected.

The information is current only as of its date and shall not, under any circumstances, create any implication that the
information contained therein is correct as of any time subsequent to the date thereof or that there has been no
change in the financial condition or affairs of LPPF since such date. This presentation may be updated from time to
time and there is no undertaking by LPPF to post any such amendments or supplements on this presentation.

The Company will not be responsible for any consequences resulting from the use of this presentation as well as the
reliance upon any opinion or statement contained herein or for any omission.



                                                                                                                         16
Page 17
Thank you

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