Bank Negara Indonesia (Persero) (PTBR.Y) Stock Overview

Provides various banking products and services in Indonesia, rest of Asia, New York, and Europe. More details

PTBR.Y fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	2/6
Past Performance	1/6
Financial Health	6/6
Dividends	6/6

Rewards

Trading at 36.6% below our estimate of its fair value

Earnings are forecast to grow 9.28% per year

Pays a high and reliable dividend of 9.26%

Trading at good value compared to peers and industry

Risk Analysis

Large one-off items impacting financial results

Volatile share price over the past 3 months compared to the US market

PTBR.Y Community Fair Values

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PT Bank Negara Indonesia (Persero) Tbk Competitors

Price History & Performance

Summary of share price highs, lows and changes for Bank Negara Indonesia (Persero)
Historical stock prices
Current Share Price	Rp12.18
52 Week High	Rp20.00
52 Week Low	Rp10.59
Beta	0.27
1 Month Change	-6.16%
3 Month Change	3.57%
1 Year Change	-28.23%
3 Year Change	-20.81%
5 Year Change	51.68%
Change since IPO	12.15%

Recent updates

Shareholder Returns

	PTBR.Y	US Banks	US Market
7D	1.5%	-2.5%	1.2%
1Y	-28.2%	28.9%	17.9%

Return vs Industry: PTBR.Y underperformed the US Banks industry which returned 30.8% over the past year.

Return vs Market: PTBR.Y underperformed the US Market which returned 18.7% over the past year.

Price Volatility

Is PTBR.Y's price volatile compared to industry and market?
PTBR.Y volatility
PTBR.Y Average Weekly Movement	14.4%
Banks Industry Average Movement	3.5%
Market Average Movement	6.4%
10% most volatile stocks in US Market	17.3%
10% least volatile stocks in US Market	3.0%

Stable Share Price: PTBR.Y's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: PTBR.Y's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of US stocks.

About the Company

Founded	Employees	CEO	Website
1946	28,089	Putrama Setyawan	www.bni.co.id

PT Bank Negara Indonesia (Persero) Tbk, together with its subsidiaries, provides various banking products and services in Indonesia, rest of Asia, New York, and Europe. It operates through Wholesale and International Banking, Institutional Banking, Enterprises and Commercial Banking, Retail Banking, Treasury, and Subsidiaries segments. The company offers savings; savings plan and FIPF products; loans; credit cards; bancassurance, payroll, and simulation services; safe deposit boxes, bank references, bonds, foreign bank notes, and mobile banking services; services to collect payments or valuable documents; and Xpora, a digital solution for small and medium enterprises.

PT Bank Negara Indonesia (Persero) Tbk Fundamentals Summary

How do Bank Negara Indonesia (Persero)'s earnings and revenue compare to its market cap?
PTBR.Y fundamental statistics
Market cap	US$9.06b
Earnings (TTM)	US$1.26b
Revenue (TTM)	US$3.03b

7.2x

P/E Ratio

0.9x

P/B Ratio

Is PTBR.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PTBR.Y income statement (TTM)
Revenue	Rp50.31t
Cost of Revenue	Rp634.49b
Gross Profit	Rp49.68t
Other Expenses	Rp28.81t
Earnings	Rp20.87t

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	560.06
Gross Margin	98.74%
Net Profit Margin	41.47%
Debt/Equity Ratio	46.9%

How did PTBR.Y perform over the long term?

See historical performance and comparison

Dividends

9.3%

Current Dividend Yield

67%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/10/03 14:29
End of Day Share Price	2025/10/03 00:00
Earnings	2025/06/30
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 Negara Indonesia (Persero) Tbk is covered by 41 analysts. 20 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
Angus Mackintosh	Aletheia Analyst Network Limited
Anish Tawakley	Barclays
Wannapa Asavatevavith	BNP Paribas Securities (Asia)

PT Bank Negara Indonesia (Persero) TbkOTCPK:PTBR.Y Stock Report