Executive Summary
PT Bank Maspion Indonesia Tbk provides various banking products and services. More Details
Snowflake Analysis
Adequate balance sheet with questionable track record.
Share Price & News
How has Bank Maspion Indonesia's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BMAS is more volatile than 90% of ID stocks over the past 3 months, typically moving +/- 23% a week.
Volatility Over Time: BMAS's weekly volatility has increased from 16% to 23% over the past year.
Market Performance
7 Day Return
69.7%
BMAS
1.4%
ID Banks
0.9%
ID Market
1 Year Return
331.3%
BMAS
37.1%
ID Banks
27.3%
ID Market
Return vs Industry: BMAS exceeded the ID Banks industry which returned 35.5% over the past year.
Return vs Market: BMAS exceeded the ID Market which returned 26.8% over the past year.
Shareholder returns
| BMAS | Industry | Market | |
|---|---|---|---|
| 7 Day | 69.7% | 1.4% | 0.9% |
| 30 Day | -15.5% | -7.9% | -3.3% |
| 90 Day | 115.6% | -4.8% | -4.1% |
| 1 Year | 331.3%331.3% | 45.1%37.1% | 31.7%27.3% |
| 3 Year | 223.2%208.0% | 27.6%16.1% | 2.2%-6.1% |
| 5 Year | 119.9%109.5% | 125.9%91.7% | 38.5%21.0% |
Long-Term Price Volatility Vs. Market
How volatile is Bank Maspion Indonesia's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Bank Maspion Indonesia undervalued compared to its fair value and its price relative to the market?
68.63x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate BMAS's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate BMAS's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: BMAS is poor value based on its PE Ratio (64.8x) compared to the ID Banks industry average (32.8x).
PE vs Market: BMAS is poor value based on its PE Ratio (64.8x) compared to the ID market (22.6x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BMAS's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BMAS is overvalued based on its PB Ratio (2.9x) compared to the ID Banks industry average (1.6x).
Future Growth
How is Bank Maspion Indonesia forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
24.7%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bank Maspion Indonesia has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Past Performance
How has Bank Maspion Indonesia performed over the past 5 years?
1.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BMAS has high quality earnings.
Growing Profit Margin: BMAS's current net profit margins (20.8%) are lower than last year (27.6%).
Past Earnings Growth Analysis
Earnings Trend: BMAS's earnings have grown by 5% per year over the past 5 years.
Accelerating Growth: BMAS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BMAS had negative earnings growth (-24.1%) over the past year, making it difficult to compare to the Banks industry average (-29.9%).
Return on Equity
High ROE: BMAS's Return on Equity (4.5%) is considered low.
Financial Health
How is Bank Maspion Indonesia'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
Financial Institutions Analysis
Asset Level: BMAS's Assets to Equity ratio (6.8x) is low.
Allowance for Bad Loans: BMAS has a low allowance for bad loans (12%).
Low Risk Liabilities: 97% of BMAS's liabilities are made up of primarily low risk sources of funding.
Loan Level: BMAS has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: BMAS's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: BMAS has a high level of bad loans (2.4%).
Dividend
What is Bank Maspion Indonesia current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate BMAS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate BMAS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if BMAS's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BMAS's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BMAS's dividend in 3 years as they are not forecast to pay a notable one for the ID market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
19.3yrs
Average management tenure
CEO
Herman Halim (66 yo)
29.33yrs
Tenure
Mr. Herman Halim has been the President Director of PT Bank Maspion Indonesia Tbk since December 21, 1991. Mr. Halim started his professional career as the Accounting Manager at Saritama Group in 1974 - 19...
Leadership Team
Experienced Management: BMAS's management team is seasoned and experienced (19.3 years average tenure).
Board Members
Experienced Board: BMAS's board of directors are seasoned and experienced ( 12.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
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 not been meaningfully diluted in the past year.
Top Shareholders
Company Information
PT Bank Maspion Indonesia Tbk's company bio, employee growth, exchange listings and data sources
Key Information
- Name: PT Bank Maspion Indonesia Tbk
- Ticker: BMAS
- Exchange: IDX
- Founded: 1989
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: Rp4.599t
- Shares outstanding: 4.44b
- Website: https://www.bankmaspion.co.id
Number of Employees
Location
- PT Bank Maspion Indonesia Tbk
- Jalan Basuki Rahmat No. 50-54
- Surabaya
- Jawa Timur
- 60262
- Indonesia
Listings
Biography
PT Bank Maspion Indonesia Tbk provides various banking products and services. It offers savings and current accounts; time deposits; working capital, investment, consumer, general personal, and car loans; ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/04/11 10:16 |
| End of Day Share Price | 2021/04/09 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.