PPER.Y Stock Overview

Provides various banking products and services to individuals and businesses in Indonesia, Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, England, and the Cayman Islands. More details

PPER.Y fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	2/6
Past Performance	3/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 31.4% below our estimate of its fair value

Earnings are forecast to grow 7.56% per year

Earnings have grown 23.9% per year over the past 5 years

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

Community vs My Fair Value

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PT Bank Mandiri (Persero) Tbk Competitors

Price History & Performance

Summary of share price highs, lows and changes for Bank Mandiri (Persero)
Historical stock prices
Current Share Price	Rp13.32
52 Week High	Rp20.07
52 Week Low	Rp10.25
Beta	0.29
1 Month Change	21.98%
3 Month Change	-0.30%
1 Year Change	-14.94%
3 Year Change	26.86%
5 Year Change	155.66%
Change since IPO	224.88%

Recent updates

Shareholder Returns

	PPER.Y	US Banks	US Market
7D	15.2%	2.1%	2.9%
1Y	-14.9%	22.1%	11.9%

Return vs Industry: PPER.Y underperformed the US Banks industry which returned 22.1% over the past year.

Return vs Market: PPER.Y underperformed the US Market which returned 11.9% over the past year.

Price Volatility

Is PPER.Y's price volatile compared to industry and market?
PPER.Y volatility
PPER.Y Average Weekly Movement	7.6%
Banks Industry Average Movement	4.7%
Market Average Movement	8.1%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	4.2%

Stable Share Price: PPER.Y has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: PPER.Y's weekly volatility (8%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1998	38,731	Darmawan Junaidi	bankmandiri.co.id

PT Bank Mandiri (Persero) Tbk provides various banking products and services to individuals and businesses in Indonesia, Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, England, and the Cayman Islands. It offers savings and current accounts, multicurrency, payroll, NOW, and foreign currency savings accounts; personal, mortgage, micro enterprise, small and medium enterprises, working capital, and investment loans; corporate, credit, and debit cards; digital banking; and e-banking services. The company also provides life, health, and accident insurance products, as well as investment products; cash management, bill collection, payment, trade finance, money transfer, remittance, and wealth management services; and treasury services, including cash transaction, hedging, and investment products.

PT Bank Mandiri (Persero) Tbk Fundamentals Summary

How do Bank Mandiri (Persero)'s earnings and revenue compare to its market cap?
PPER.Y fundamental statistics
Market cap	US$31.39b
Earnings (TTM)	US$3.43b
Revenue (TTM)	US$8.38b

9.2x

P/E Ratio

2.0x

P/B Ratio

Is PPER.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PPER.Y income statement (TTM)
Revenue	Rp137.61t
Cost of Revenue	Rp2.65t
Gross Profit	Rp134.97t
Other Expenses	Rp78.69t
Earnings	Rp56.28t

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	602.98
Gross Margin	98.08%
Net Profit Margin	40.90%
Debt/Equity Ratio	96.8%

How did PPER.Y perform over the long term?

See historical performance and comparison

Dividends

8.4%

Current Dividend Yield

77%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/19 00:59
End of Day Share Price	2025/05/19 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

PT Bank Mandiri (Persero) Tbk is covered by 38 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Anish Tawakley	Barclays
Wannapa Asavatevavith	BNP Paribas Securities (Asia)
Anand Swaminathan	BofA Global Research

Bank Mandiri (Persero) OTCPK:PPER.Y Stock Report