BST:5BB

Stock Analysis Report

Executive Summary

PT Bank Bukopin Tbk., together with its subsidiaries, provides banking products and services in Indonesia.

Rewards

PE ratio (13.4x) is below the German market (20.7x)

Earnings are forecast to grow 36.37% per year

Earnings grew by 179.5% over the past year

Risk Analysis

Highly volatile share price over past 3 months

Shareholders have been diluted in the past year



Snowflake Analysis

Good value with reasonable growth potential.


Similar Companies

Bank OCBC NISP

IDX:NISP

Share Price & News

How has Bank Bukopin's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 5BB's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

8.3%

5BB

1.2%

DE Banks

0.2%

DE Market


1 Year Return

-18.8%

5BB

-18.6%

DE Banks

13.6%

DE Market

Return vs Industry: 5BB underperformed the German Banks industry which returned -18.6% over the past year.

Return vs Market: 5BB underperformed the German Market which returned 13.6% over the past year.


Shareholder returns

5BBIndustryMarket
7 Day8.3%1.2%0.2%
30 Day-18.8%-5.6%-0.08%
90 Day-34.3%-2.9%6.0%
1 Year-18.8%-18.8%-16.0%-18.6%17.1%13.6%
3 Year-81.1%-82.4%-20.9%-24.6%19.6%9.0%
5 Year-80.0%-83.3%-3.5%-26.6%38.9%20.0%

Price Volatility Vs. Market

How volatile is Bank Bukopin's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank Bukopin undervalued compared to its fair value and its price relative to the market?

13.4x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 5BB (€0.01) is trading above our estimate of fair value (€0)

Significantly Below Fair Value: 5BB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 5BB is good value based on its PE Ratio (13.4x) compared to the Banks industry average (16.2x).

PE vs Market: 5BB is good value based on its PE Ratio (13.4x) compared to the German market (20.7x).


Price to Earnings Growth Ratio

PEG Ratio: 5BB is good value based on its PEG Ratio (0.4x)


Price to Book Ratio

PB vs Industry: 5BB is good value based on its PB Ratio (0.3x) compared to the DE Banks industry average (0.8x).


Next Steps

Future Growth

How is Bank Bukopin forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

36.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 5BB's forecast earnings growth (36.4% per year) is above the savings rate (-0.4%).

Earnings vs Market: 5BB's earnings (36.4% per year) are forecast to grow faster than the German market (13.2% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: 5BB's revenue (17.6% per year) is forecast to grow faster than the German market (4.9% per year).

High Growth Revenue: 5BB's revenue (17.6% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 5BB's Return on Equity is forecast to be low in 3 years time (8.2%).


Next Steps

Past Performance

How has Bank Bukopin performed over the past 5 years?

-37.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 5BB has high quality earnings.

Growing Profit Margin: 5BB's current net profit margins (7.4%) are higher than last year (2.7%).


Past Earnings Growth Analysis

Earnings Trend: 5BB's earnings have declined by -37.7% per year over the past 5 years.

Accelerating Growth: 5BB's earnings growth over the past year (179.5%) exceeds its 5-year average (-37.7% per year).

Earnings vs Industry: 5BB earnings growth over the past year (179.5%) exceeded the Banks industry 3.9%.


Return on Equity

High ROE: 5BB's Return on Equity (2.3%) is considered low.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is Bank Bukopin's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: 5BB has a low level of unsold assets or inventory.

Debt Coverage by Assets: 5BB's debt is covered by short term assets (assets are 2.2x debt).


Financial Institutions Analysis

Asset Level: 5BB's level of assets compared to its equity is moderate.

Allowance for Bad Loans: 5BB has a low allowance for bad loans.

Low Risk Liabilities: 5BB's liabilities are made up of primarily low risk sources of funding.

Loan Level: 5BB has an acceptable proportion of non-loan assets held.

Low Risk Deposits: 5BB's loans are broadly funded by customer deposits.

Level of Bad Loans: 5BB has a high level of bad loans (5.89%)


Next Steps

Dividend

What is Bank Bukopin's current dividend yield, its reliability and sustainability?

17.90%

Forecast Dividend Yield


Dividend Yield vs Market

company0%marketbottom25%1.3%markettop25%3.6%industryaverage3.8%forecastin3Years17.9%

Current dividend yield vs market & industry

Notable Dividend: Unable to evaluate 5BB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate 5BB's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 5BB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 5BB's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 5BB is not paying a notable dividend for the German market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 5BB's dividend in 3 years as they are not forecast to pay a notable one for the German market.


Next Steps

Management

What is the CEO of Bank Bukopin's salary, the management and board of directors tenure and is there insider trading?

1.8yrs

Average management tenure


CEO

Eko Gindo (49yo)

1.9yrs

Tenure

0

Mr. Eko Rachmansyah Gindo has been the President Director at PT Bank Bukopin Tbk since January 10, 2018 and served as its Director of Finance and Planning since August 18, 2015. Mr. Gindo served as the Pr ...


Management Age and Tenure

1.8yrs

Average Tenure

53yo

Average Age

Experienced Management: 5BB's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.


Board Age and Tenure

1.6yrs

Average Tenure

56yo

Average Age

Experienced Board: 5BB's board of directors are not considered experienced ( 1.6 years average tenure), which suggests a new board.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5.8%.


Management Team

  • Eko Gindo (49yo)

    President Director

    • Tenure: 1.9yrs
  • Adhi Brahmantya (55yo)

    Director of Operation & Information Technology and Director

    • Tenure: 6.5yrs
  • Muhammad Kaimuddin (39yo)

    Director of Finance & Planning and Director

    • Tenure: 1.6yrs
  • Hari Wurianto (53yo)

    Director of Compliance & Risk Management and Director

    • Tenure: 1.6yrs
  • Heri Purwanto (57yo)

    Director of Small & Medium Enterprise and Director

    • Tenure: 4.6yrs
  • Indra Adestira

    Head of Marketing Management Division

    • Tenure: 0yrs
  • Maya Darlina

    Head of Human Resources Management Division

    • Tenure: 0yrs
  • Arief Hartono

    Head of Compliance/Pkpn Division

    • Tenure: 0yrs
  • Helmi Fahrudin

    Head of Financial Planning & Accounting Division

    • Tenure: 0yrs
  • Suleman Batubara

    Head of Corporate Legal Division

    • Tenure: 0yrs

Board Members

  • Eko Gindo (49yo)

    President Director

    • Tenure: 1.9yrs
  • Adhi Brahmantya (55yo)

    Director of Operation & Information Technology and Director

    • Tenure: 6.5yrs
  • Muhammad Kaimuddin (39yo)

    Director of Finance & Planning and Director

    • Tenure: 1.6yrs
  • Karya Budiana (61yo)

    Independent Commissioner

    • Tenure: 0yrs
  • Mustafa Abubakar (70yo)

    Independent President Commissioner

    • Tenure: 1.6yrs
  • Ahmad Fuad (65yo)

    Independent Commissioner

    • Tenure: 0.9yrs
  • Hari Wurianto (53yo)

    Director of Compliance & Risk Management and Director

    • Tenure: 1.6yrs
  • Heri Purwanto (57yo)

    Director of Small & Medium Enterprise and Director

    • Tenure: 4.6yrs
  • Rivan Purwantono

    Director of Consumer Business & Director

    • Tenure: 0yrs
  • Moch Santoso

    Independent Commissioner

    • Tenure: 0.9yrs

Company Information

PT Bank Bukopin Tbk's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PT Bank Bukopin Tbk
  • Ticker: 5BB
  • Exchange: BST
  • Founded: 1970
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: Rp2.727t
  • Listing Market Cap: Rp175.093m
  • Shares outstanding: 11.65b
  • Website: https://www.bukopin.co.id

Number of Employees


Location

  • PT Bank Bukopin Tbk
  • Jalan M.T. Haryono Kav. 50-51
  • South Jakarta
  • 12770
  • Indonesia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BBKPIDX (Indonesia Stock Exchange)YesClass B Common SharesIDIDRJul 2006
5BBBST (Boerse-Stuttgart)YesClass B Common SharesDEEURJul 2006

Biography

PT Bank Bukopin Tbk., together with its subsidiaries, provides banking products and services in Indonesia. The company offers current, personal, and corporate accounts, as well as time deposits; car loan,  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/12/11 21:34
End of Day Share Price2019/12/11 00:00
Earnings2019/09/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.