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Market Cap

Rp11.6t

Last Updated

2021/04/11 10:25 UTC

Data Sources

Company Financials

Executive Summary

PT Bank Sinarmas Tbk provides various banking products and services in Indonesia. More Details


Snowflake Analysis

Adequate balance sheet with questionable track record.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: BSIM is more volatile than 75% of ID stocks over the past 3 months, typically moving +/- 14% a week.

Volatility Over Time: BSIM's weekly volatility has increased from 9% to 14% over the past year.


Market Performance


7 Day Return

11.7%

BSIM

1.4%

ID Banks

0.9%

ID Market


1 Year Return

35.6%

BSIM

37.1%

ID Banks

27.3%

ID Market

Return vs Industry: BSIM matched the ID Banks industry which returned 35.5% over the past year.

Return vs Market: BSIM exceeded the ID Market which returned 26.8% over the past year.


Shareholder returns

BSIMIndustryMarket
7 Day11.7%1.4%0.9%
30 Day-10.7%-7.9%-3.3%
90 Day27.6%-4.8%-4.1%
1 Year35.6%35.6%45.1%37.1%31.7%27.3%
3 Year9.8%9.8%27.6%16.1%2.2%-6.1%
5 Year57.1%56.5%125.9%91.7%38.5%21.0%

Long-Term Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

123.33x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate BSIM's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate BSIM's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: BSIM is poor value based on its PE Ratio (123.3x) compared to the ID Banks industry average (32.8x).

PE vs Market: BSIM is poor value based on its PE Ratio (123.3x) compared to the ID market (22.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate BSIM's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: BSIM is overvalued based on its PB Ratio (2x) compared to the ID Banks industry average (1.6x).


Future Growth

How is Bank Sinarmas 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 Sinarmas 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 Sinarmas performed over the past 5 years?

-33.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BSIM has high quality earnings.

Growing Profit Margin: BSIM became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: BSIM's earnings have declined by 33.6% per year over the past 5 years.

Accelerating Growth: BSIM has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: BSIM has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (-29.9%).


Return on Equity

High ROE: BSIM's Return on Equity (1.6%) is considered low.


Financial Health

How is Bank Sinarmas'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: BSIM's Assets to Equity ratio (6.5x) is low.

Allowance for Bad Loans: BSIM has a low allowance for bad loans (66%).

Low Risk Liabilities: 96% of BSIM's liabilities are made up of primarily low risk sources of funding.

Loan Level: BSIM has an appropriate level of Loans to Assets ratio (54%).

Low Risk Deposits: BSIM's Loans to Deposits ratio (66%) is appropriate.

Level of Bad Loans: BSIM has a high level of bad loans (8%).


Dividend

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


Dividend Yield vs Market

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

High Dividend: Unable to evaluate BSIM'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 BSIM's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if BSIM'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 BSIM'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?

5.4yrs

Average management tenure


CEO

Frenky Tirtowijoyo Susilo (43 yo)

no data

Tenure

Mr. Frenky Tirtowijoyo Susilo is President Director of PT Bank Sinarmas Tbk and serves as its Director since 2015. He began his career at Legacy Texas Bank as Senior Banking Officer and Credit Analyst in 1...


Leadership Team

Experienced Management: BSIM's management team is seasoned and experienced (5.4 years average tenure).


Board Members

Experienced Board: BSIM's board of directors are considered experienced (7.8 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 Sinarmas Tbk's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PT Bank Sinarmas Tbk
  • Ticker: BSIM
  • Exchange: IDX
  • Founded: 1989
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: Rp11.578t
  • Shares outstanding: 17.28b
  • Website: https://www.banksinarmas.com

Number of Employees


Location

  • PT Bank Sinarmas Tbk
  • Sinar Mas Land Plaza
  • Menara 1 Lt. 1 & 2
  • Jakarta
  • Jakarta Raya
  • 10350
  • Indonesia

Listings


Biography

PT Bank Sinarmas Tbk provides various banking products and services in Indonesia. The company operates through Marketing and Credit, Treasury, and Trade Finance segments. It is involved in treasury activit...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/04/11 10:25
End of Day Share Price2021/04/09 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.