BTPS Stock Overview
PT Bank BTPN Syariah Tbk provides various banking products and services in Indonesia.
Bank BTPN Syariah Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||Rp2,660.00|
|52 Week High||Rp4,100.00|
|52 Week Low||Rp2,220.00|
|1 Month Change||-14.19%|
|3 Month Change||-18.15%|
|1 Year Change||-3.97%|
|3 Year Change||-19.15%|
|5 Year Change||n/a|
|Change since IPO||82.19%|
Recent News & Updates
|BTPS||ID Banks||ID Market|
Return vs Industry: BTPS underperformed the ID Banks industry which returned 3.6% over the past year.
Return vs Market: BTPS underperformed the ID Market which returned 9.9% over the past year.
|BTPS Average Weekly Movement||5.7%|
|Banks Industry Average Movement||4.9%|
|Market Average Movement||6.2%|
|10% most volatile stocks in ID Market||12.0%|
|10% least volatile stocks in ID Market||3.1%|
Stable Share Price: BTPS is not significantly more volatile than the rest of ID stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: BTPS's weekly volatility (6%) has been stable over the past year.
About the Company
PT Bank BTPN Syariah Tbk provides various banking products and services in Indonesia. It offers funding, financing, bills payment, air-time purchase, fund transfer, cash deposit, and cash withdrawal services. The company also provides mobile banking, savings, and ATM services.
Bank BTPN Syariah Fundamentals Summary
|BTPS fundamental statistics|
Is BTPS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BTPS income statement (TTM)|
|Cost of Revenue||Rp0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||194.86|
|Net Profit Margin||40.81%|
How did BTPS perform over the long term?See historical performance and comparison
2.3%Current Dividend Yield
Is BTPS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 6/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BTPS?
Other financial metrics that can be useful for relative valuation.
|What is BTPS's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does BTPS's PE Ratio compare to its peers?
|BTPS PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
BBTN Bank Tabungan Negara (Persero)
BSIM Bank Sinarmas
SDRA Bank Woori Saudara Indonesia 1906
BNBA Bank Bumi Arta
BTPS Bank BTPN Syariah
Price-To-Earnings vs Peers: BTPS is good value based on its Price-To-Earnings Ratio (13.7x) compared to the peer average (41.7x).
Price to Earnings Ratio vs Industry
How does BTPS's PE Ratio compare vs other companies in the ID Banks Industry?
Price-To-Earnings vs Industry: BTPS is good value based on its Price-To-Earnings Ratio (13.7x) compared to the ID Banks industry average (18.9x)
Price to Earnings Ratio vs Fair Ratio
What is BTPS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||13.7x|
|Fair PE Ratio||14.2x|
Price-To-Earnings vs Fair Ratio: BTPS is good value based on its Price-To-Earnings Ratio (13.7x) compared to the estimated Fair Price-To-Earnings Ratio (14.2x).
Share Price vs Fair Value
What is the Fair Price of BTPS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BTPS (IDR2660) is trading below our estimate of fair value (IDR4811.64)
Significantly Below Fair Value: BTPS is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: BTPS is good value based on its PEG Ratio (0.6x)
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How is Bank BTPN Syariah forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BTPS's forecast earnings growth (22.6% per year) is above the savings rate (7%).
Earnings vs Market: BTPS's earnings (22.6% per year) are forecast to grow faster than the ID market (11.7% per year).
High Growth Earnings: BTPS's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: BTPS's revenue (15.5% per year) is forecast to grow faster than the ID market (11.9% per year).
High Growth Revenue: BTPS's revenue (15.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BTPS's Return on Equity is forecast to be high in 3 years time (25%)
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How has Bank BTPN Syariah performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BTPS has high quality earnings.
Growing Profit Margin: BTPS's current net profit margins (40.8%) are higher than last year (31.1%).
Past Earnings Growth Analysis
Earnings Trend: BTPS's earnings have grown by 16.1% per year over the past 5 years.
Accelerating Growth: BTPS's earnings growth over the past year (81.4%) exceeds its 5-year average (16.1% per year).
Earnings vs Industry: BTPS earnings growth over the past year (81.4%) exceeded the Banks industry 42.7%.
Return on Equity
High ROE: BTPS's Return on Equity (20%) is considered low.
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How is Bank BTPN Syariah's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BTPS's Assets to Equity ratio (2.6x) is low.
Allowance for Bad Loans: BTPS has a sufficient allowance for bad loans (265%).
Low Risk Liabilities: 95% of BTPS's liabilities are made up of primarily low risk sources of funding.
Loan Level: BTPS has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: BTPS's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: BTPS has an appropriate level of bad loans (1.9%).
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What is Bank BTPN Syariah current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BTPS's dividend (2.32%) is higher than the bottom 25% of dividend payers in the ID market (1.11%).
High Dividend: BTPS's dividend (2.32%) is low compared to the top 25% of dividend payers in the ID market (4.67%).
Stability and Growth of Payments
Stable Dividend: BTPS has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: BTPS's dividend payments have increased, but the company has only paid a dividend for 2 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (31.7%), BTPS's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BTPS's dividends in 3 years are forecast to be well covered by earnings (30.2% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Hadi Wibowo (55 yo)
Mr. Hadi Wibowo served as Branchless Banking Head at PT Bank BTPN Tbk (formerly PT Bank Tabungan Pensiunan Nasional Tbk) and served as its Head of Operations. Mr. Wibowo served as a Director of Operations...
Experienced Board: BTPS's board of directors are considered experienced (5.1 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
PT Bank BTPN Syariah Tbk's employee growth, exchange listings and data sources
- Name: PT Bank BTPN Syariah Tbk
- Ticker: BTPS
- Exchange: IDX
- Founded: 1991
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: Rp20.488t
- Shares outstanding: 7.70b
- Website: https://www.btpnsyariah.com
Number of Employees
- PT Bank BTPN Syariah Tbk
- Menara BTPN
- 12th Floor, CBD Mega Kuningan
- Jakarta Selatan
- Jakarta Raya
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/03 00:00|
|End of Day Share Price||2022/07/01 00:00|
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.