PT Bank Permata Tbk

IDX:BNLI Stock Report

Market Cap: Rp35.1t

Bank Permata Past Earnings Performance

Past criteria checks 5/6

Bank Permata has been growing earnings at an average annual rate of 22.1%, while the Banks industry saw earnings growing at 20.7% annually. Revenues have been growing at an average rate of 8.5% per year. Bank Permata's return on equity is 7.7%, and it has net margins of 32.6%.

Key information

22.1%

Earnings growth rate

14.7%

EPS growth rate

Banks Industry Growth13.2%
Revenue growth rate8.5%
Return on equity7.7%
Net Margin32.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank Permata makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

IDX:BNLI Revenue, expenses and earnings (IDR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 249,910,1803,230,3214,911,7740
31 Mar 249,044,0052,636,5874,901,5040
31 Dec 239,052,5282,585,2184,946,9950
30 Sep 238,244,2471,910,7954,932,5130
30 Jun 238,409,5421,990,8344,901,7300
31 Mar 238,403,1252,019,0914,802,2990
31 Dec 228,247,3592,013,4134,682,1210
30 Sep 228,563,4552,642,8884,473,6570
30 Jun 227,620,1232,021,5354,438,3640
31 Mar 226,902,1701,487,6684,381,1620
31 Dec 216,549,6911,231,1274,338,7400
30 Sep 217,322,0911,123,2034,481,9380
30 Jun 217,063,727993,8924,401,4150
31 Mar 217,229,3421,213,5774,403,2250
31 Dec 206,836,656721,5874,363,3500
30 Sep 206,147,392837,5624,194,1130
30 Jun 206,586,7981,155,5084,236,6400
31 Mar 206,541,3861,124,7934,222,2790
31 Dec 196,748,3671,500,4204,194,1400
30 Sep 196,593,9231,499,7184,048,8020
30 Jun 196,270,3081,323,8003,971,0280
31 Mar 196,017,6361,114,9733,939,7790
31 Dec 185,685,060901,2513,927,3580
30 Sep 185,208,316535,0773,976,7410
30 Jun 185,075,295416,7094,001,0190
31 Mar 185,072,104459,4263,977,3060
31 Dec 175,453,087748,4333,962,5870
30 Sep 17-1,588,872-4,542,2923,827,0280
30 Jun 17-2,257,607-5,026,8473,816,7960
31 Mar 17-2,923,863-5,654,1853,842,5310
31 Dec 16-4,055,436-6,483,0843,831,1110
30 Sep 161,888,263-1,924,3663,805,4230
30 Jun 162,607,403-1,425,8663,806,3280
31 Mar 163,441,905-696,6273,821,0750
31 Dec 154,671,434247,1123,807,9840
30 Sep 156,032,5031,287,2273,879,5930
30 Jun 156,390,8331,624,3213,837,2050
31 Mar 156,547,8041,788,2303,791,7660
31 Dec 146,209,4161,587,7713,733,3680
30 Sep 146,263,7641,642,8743,734,9130
30 Jun 146,283,6031,708,9163,689,3200
31 Mar 146,190,5601,737,1633,594,2740

Quality Earnings: BNLI has high quality earnings.

Growing Profit Margin: BNLI's current net profit margins (32.6%) are higher than last year (23.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BNLI's earnings have grown significantly by 22.1% per year over the past 5 years.

Accelerating Growth: BNLI's earnings growth over the past year (69.1%) exceeds its 5-year average (22.1% per year).

Earnings vs Industry: BNLI earnings growth over the past year (69.1%) exceeded the Banks industry 5.7%.

Return on Equity

High ROE: BNLI's Return on Equity (7.7%) 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 Analysis2025/01/02 18:26
End of Day Share Price 2025/01/02 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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 Permata Tbk is covered by 5 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Erwan TeguhCGS International
Timothy HandersonCGS International
Erni SiahaanPT Ciptadana Securities