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BBTN.JK$1280.00+0.79%
Fair $1280.00+0.0%

BBTN.JK

PT Bank Tabungan Negara (Persero) Tbk

Financial Services / Banks - RegionalJakarta

$1280.00

+10.00 (+0.79%)

Fairly Valued+0.0%Fair Value $1280.00Fund rank 24/100 · Data gapFallback financials|
SA 34/D
F-Score: 7/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 42.0/100

Data gap 24/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 24/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

34/100

D

Piotroski

7/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · BBTN.JKLocal privado en este navegador · PT Bank Tabungan Negara (Persero) Tbk
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$17.96T

P/E

4.8x

↓

EV/EBITDA

N/A

•

ROE

9.7%

↑

Gross Margin

N/A

•

Debt/Equity

1.32

↑
52-Week Range$1280
$1055$1505

TradingView lightweight chart

BBTN.JK price, volumen y niveles de valoración

Último $1,280Periodo +78.4%
Fair value: $1,280

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+9.4%

FCF CAGR

+365.5%

FCF margin

105.7%

FCF / Net income

6.41x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $21.23T · net income $3.50T · FCF $22.45T

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

16.5%-2.3% pts

FCF margin

105.7%+104.4% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$21232.15B$21232.15B$14647.18B$16287.83B$16223.11B
Net Income$3501.15B$3501.15B$3007.33B$3500.99B$3045.07B
EPS249.00249.00214.00249.00255.86
Net Margin16.5%16.5%20.5%21.5%18.8%
Balance Sheet
Debt/Equity1.321.321.391.681.65
Cash Flow
Free Cash Flow$22450.52B$22450.52B$-10390.14B$4320.86B$222.61B
Returns
ROE9.7%9.7%9.2%11.5%11.8%
Valuation
P/E4.854.855.545.205.24
P/B0.500.500.510.600.62
Growth & Yield
Revenue Growth45.0%45.0%-10.1%0.4%—
EPS Growth16.4%16.4%-14.1%-2.7%—
Dividend Yield4.0%4.0%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-23.0%

fácil

EPS terminal req.

$113.58

Spread vs growth

39.4%

5Y implied EPS CAGR

-11.2%

fácil

EPS terminal req.

$137.43

Spread vs growth

27.6%

10Y implied EPS CAGR

-1.2%

fácil

EPS terminal req.

$221.33

Spread vs growth

17.5%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +7.2%

Total return

+7.2%

Start / end P/E

5.8x → 5.1x

EPS bridge

214.00 → 249.00

Residual

-1.8%

EPS growth+16.4%
Multiple rerating-11.3%
Dividend+4.0%
Residual / FX / buybacks / cross-term-1.8%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.