Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BBTN.JK
Strong BuyUnloved QualityPT Bank Tabungan Negara (Persero) Tbk · Financial Services · Indonesia · $980M · Avg Vol: $968K/d
88
StockRankGet insider-trade alerts
Q
59
V
81
M
47
P/E (TTM)
4.1x
ROE
11.7%
D/E
1.3x
Dividend %
—
COMPANY DESCRIPTION
PT Bank Tabungan Negara (Persero) Tbk provides various banking products and services in Indonesia. The company offers savings, current, demand, and deposit accounts; and consumer and commercial loans. It also provides fund transfer transaction, safety deposit box, and other services.
FINANCIAL SUMMARY (IDR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 16.2T | 16.3T | 14.6T | 21.2T | 9.4% | 17.5T | 20.9T | 22.4T | 2.7% |
| EPS (IDR) | 255.86 | 249.00 | 214.00 | 249.00 | -0.9% | 298.00 | 327.48 | 309.44 | 11.5% |
| Shares | 10.6B | 14.0B | 14.0B | 14.0B | +32.5% | 14.0B | — | — | — |
| Debt | 42.8T | 51.3T | 45.4T | 47.6T | 3.6% | 67.5T | — | — | — |
| Equity | 25.9T | 30.5T | 32.6T | 36.2T | 11.8% | — | — | — | — |
| Op CF | 1.3T | 6.6T | -8.8T | 24.3T | 167.9% | -44.0T | — | — | — |
| Inv CF | -2.4T | -4.4T | -5.3T | -6.6T | — | — | — | — | — |
| Fin CF | 1.4T | 9.3T | -3.5T | -1.8T | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+1.2%
SMA 50SMA 200
Close
$0.0703
RSI (14)
58.3
52W High
$0.086
From 52W High
0.8%
SCORE BREAKDOWN
Quality
59
ROIC (ROA)
0.8%*31.5
ROE
11.7%59.7
GP/Assets
3.1%N/A
Op. Margin
48.0%67.8
FCF/Assets
4.3%N/A
Piotroski
797.1
Int. Cover
—50.0
D/E Ratio
1.32xN/A
Current Ratio
bankN/A
Value
81
P/E (TTM)
4.1x95.3
EV/EBITDA
bankN/A
P/FCF
0.8xN/A
P/B
0.5x93.4
P/S
1.0x90.0
Div Yield
—N/A
Momentum
47
52W High %
82%28.8
RS 6M
13%76.4
SMA 50/200
0.97x23.1
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
-5%17.6
Q Growth
61%77.3
FUNDAMENTALS
Market Cap
$980M
P/E (Forward)
4.3x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BBTN.JK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BBTN.JK | PT Bank Tabungan Negara (Persero) Tbk(you) | $980M | 88 | Strong Buy |
| BNII.JK | PT Bank Maybank Indonesia Tbk | $835M | 83 | Strong Buy |
| NISP.JK | PT Bank OCBC NISP Tbk | $1.6B | 85 | Strong Buy |
| BTPS.JK | PT Bank BTPN Syariah Tbk | $457M | 88 | Strong Buy |
| BDMN.JK | PT Bank Danamon Indonesia Tbk | $2.5B | 91 | Strong Buy |
| BJTM.JK | PT Bank Pembangunan Daerah Jawa Timur Tbk | $452M | 94 | Strong Buy |
| BJBR.JK | PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk | $481M | 99 | Strong Buy |
| BNGA.JK | PT Bank CIMB Niaga Tbk | $2.5B | 96 | Strong Buy |
| PNBN.JK | PT Bank Pan Indonesia Tbk | $1.2B | 66 | Buy |
| NOBU.JK | PT Bank Nationalnobu Tbk | $234M | 86 | Strong Buy |
Peer medians: ROE 5.5% · P/E 9.4x · Gross margin 44.7%