PT Bank Tabungan Negara (Persero) Tbk

IDX:BBTN Stock Report

Market Cap: Rp14.7t

Bank Tabungan Negara (Persero) Past Earnings Performance

Past criteria checks 2/6

Bank Tabungan Negara (Persero) has been growing earnings at an average annual rate of 30%, while the Banks industry saw earnings growing at 21.5% annually. Revenues have been growing at an average rate of 12.7% per year. Bank Tabungan Negara (Persero)'s return on equity is 10.2%, and it has net margins of 22.9%.

Key information

30.0%

Earnings growth rate

24.1%

EPS growth rate

Banks Industry Growth13.2%
Revenue growth rate12.7%
Return on equity10.2%
Net Margin22.9%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank Tabungan Negara (Persero) makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

IDX:BBTN Revenue, expenses and earnings (IDR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2414,289,6643,270,6606,004,0580
30 Jun 2414,328,0673,528,4726,075,3870
31 Mar 2413,889,0743,560,2945,506,2230
31 Dec 2313,550,2603,500,9885,263,3240
30 Sep 2312,235,4813,082,9954,767,9890
30 Jun 2312,430,0203,048,5254,731,5350
31 Mar 2312,696,1773,071,5374,953,8920
31 Dec 2212,689,5033,045,0734,853,3230
30 Sep 2213,306,6513,135,6304,758,6730
30 Jun 2212,746,7722,927,0864,531,1100
31 Mar 2212,075,2052,525,5624,441,0610
31 Dec 2111,726,3932,376,2274,437,1700
30 Sep 2110,819,3901,997,9324,757,5700
30 Jun 2110,197,8191,754,8465,682,4720
31 Mar 219,859,1831,770,3504,862,1530
31 Dec 209,180,6791,602,3585,073,9240
30 Sep 207,951,500527,6225,210,5320
30 Jun 206,717,294-329,4925,104,5630
31 Mar 207,039,303-56,7865,203,0650
31 Dec 197,584,988209,2635,252,6600
30 Sep 199,831,8292,213,5215,804,6290
30 Jun 1910,450,9862,690,5445,781,2420
31 Mar 1910,626,5782,846,7275,554,9890
31 Dec 1810,446,4402,807,9235,177,8500
30 Sep 189,874,3912,418,0593,622,3710
30 Jun 1810,725,0573,180,0994,170,0430
31 Mar 1810,355,6233,117,4243,989,7200
31 Dec 1710,060,6543,027,4663,841,3440
30 Sep 179,872,9903,002,8154,424,5480
30 Jun 179,393,8362,847,7102,963,3880
31 Mar 179,075,0362,722,1943,069,8490
31 Dec 168,738,8292,618,9053,156,7940
30 Sep 167,925,2142,249,8993,080,8970
30 Jun 167,533,2312,062,0253,597,6840
31 Mar 167,325,5531,939,7413,594,3340
31 Dec 157,016,0911,850,9073,511,7350
30 Sep 156,572,8211,612,4603,391,6500
30 Jun 156,265,3431,437,8843,412,3800
31 Mar 155,764,0731,206,6543,277,4040
01 Jan 155,583,9311,145,5723,203,1280
30 Sep 145,750,0961,260,6163,654,5810
30 Jun 145,881,3231,427,6553,132,2990
31 Mar 145,900,4741,569,6283,156,0930

Quality Earnings: BBTN has a large one-off loss of IDR1,782.6B impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: BBTN's current net profit margins (22.9%) are lower than last year (25.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BBTN's earnings have grown significantly by 30% per year over the past 5 years.

Accelerating Growth: BBTN's earnings growth over the past year (6.1%) is below its 5-year average (30% per year).

Earnings vs Industry: BBTN earnings growth over the past year (6.1%) exceeded the Banks industry 4.4%.

Return on Equity

High ROE: BBTN's Return on Equity (10.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/01 12:21
End of Day Share Price 2025/01/31 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

PT Bank Tabungan Negara (Persero) Tbk is covered by 31 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Thomas QuarmbyBarclays
Handy NoverdaniusCGS International
Sarina LesminaCLSA