PT Bank Danamon Indonesia Tbk Logo

PT Bank Danamon Indonesia Tbk

BDMN.JK

(3.5)
Stock Price

2.530 IDR

1.5% ROA

7.05% ROE

7.42x PER

Market Cap.

25.606.701.000.000 IDR

50.26% DER

4.79% Yield

14.8% NPM

PT Bank Danamon Indonesia Tbk Stock Analysis

PT Bank Danamon Indonesia Tbk Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

PT Bank Danamon Indonesia Tbk Fundamental Stock Analysis
# Analysis Rating
1 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

2 PBV

With a remarkably low PBV ratio (0.56x), the stock offers substantial upside potential at a bargain price.

3 DER

The stock has a minimal amount of debt (30%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

4 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

5 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

6 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (15.050) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 ROE

ROE in an average range (7.07%) suggests satisfactory profitability and decent utilization of shareholders' equity.

11 ROA

The stock's ROA (1.62%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

PT Bank Danamon Indonesia Tbk Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

PT Bank Danamon Indonesia Tbk Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

PT Bank Danamon Indonesia Tbk Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

PT Bank Danamon Indonesia Tbk Revenue
Year Revenue Growth
2004 5.240.614.000.000
2005 6.058.855.000.000 13.5%
2006 7.113.027.000.000 14.82%
2007 8.938.508.000.000 20.42%
2008 10.345.487.000.000 13.6%
2009 11.393.906.000.000 9.2%
2010 13.535.854.000.000 15.82%
2011 15.273.595.000.000 11.38%
2012 18.591.893.000.000 17.85%
2013 19.777.240.000.000 5.99%
2014 19.390.718.000.000 -1.99%
2015 19.450.172.000.000 0.31%
2016 19.527.864.000.000 0.4%
2017 19.538.059.000.000 0.05%
2018 17.771.675.000.000 -9.94%
2019 18.154.274.000.000 2.11%
2020 17.680.872.000.000 -2.68%
2021 17.524.629.000.000 -0.89%
2022 17.816.595.000.000 1.64%
2023 19.026.444.000.000 6.36%
2023 19.093.760.000.000 0.35%
2024 27.433.420.000.000 30.4%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

PT Bank Danamon Indonesia Tbk Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

PT Bank Danamon Indonesia Tbk General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 939.086.000.000
2005 1.255.227.000.000 25.19%
2006 1.468.221.000.000 14.51%
2007 1.711.843.000.000 14.23%
2008 2.271.682.000.000 24.64%
2009 2.463.057.000.000 7.77%
2010 2.545.376.000.000 3.23%
2011 3.079.996.000.000 17.36%
2012 2.121.656.000.000 -45.17%
2013 2.235.186.000.000 5.08%
2014 2.163.980.000.000 -3.29%
2015 2.052.157.000.000 -5.45%
2016 1.765.686.000.000 -16.22%
2017 1.735.781.000.000 -1.72%
2018 1.604.323.000.000 -8.19%
2019 2.936.710.000.000 45.37%
2020 1.393.280.000.000 -110.78%
2021 1.385.479.000.000 -0.56%
2022 2.209.713.000.000 37.3%
2023 2.549.644.000.000 13.33%
2023 2.431.138.000.000 -4.87%
2024 2.901.856.000.000 16.22%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

PT Bank Danamon Indonesia Tbk EBITDA
Year EBITDA Growth
2004 5.679.303.000.000
2005 6.405.230.000.000 11.33%
2006 7.228.696.000.000 11.39%
2007 8.072.577.000.000 10.45%
2008 8.512.692.000.000 5.17%
2009 8.591.376.000.000 0.92%
2010 8.510.826.000.000 -0.95%
2011 10.532.179.000.000 19.19%
2012 11.747.028.000.000 10.34%
2013 12.463.239.000.000 5.75%
2014 13.230.464.000.000 5.8%
2015 12.394.101.000.000 -6.75%
2016 11.509.324.000.000 -7.69%
2017 11.482.862.000.000 -0.23%
2018 11.510.433.000.000 0.24%
2019 6.115.621.000.000 -88.21%
2020 2.644.639.000.000 -131.25%
2021 2.800.815.000.000 5.58%
2022 7.926.990.000.000 64.67%
2023 6.017.816.000.000 -31.73%
2023 5.180.176.000.000 -16.17%
2024 -174.820.000.000 3063.15%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

PT Bank Danamon Indonesia Tbk Gross Profit
Year Gross Profit Growth
2004 5.240.614.000.000
2005 6.058.855.000.000 13.5%
2006 7.113.027.000.000 14.82%
2007 8.938.508.000.000 20.42%
2008 10.345.487.000.000 13.6%
2009 11.393.906.000.000 9.2%
2010 13.535.854.000.000 15.82%
2011 15.273.595.000.000 11.38%
2012 18.591.893.000.000 17.85%
2013 19.777.240.000.000 5.99%
2014 19.390.718.000.000 -1.99%
2015 19.450.172.000.000 0.31%
2016 19.527.864.000.000 0.4%
2017 19.538.059.000.000 0.05%
2018 17.771.675.000.000 -9.94%
2019 18.154.274.000.000 2.11%
2020 17.680.872.000.000 -2.68%
2021 17.524.629.000.000 -0.89%
2022 17.816.595.000.000 1.64%
2023 19.026.444.000.000 6.36%
2023 19.093.760.000.000 0.35%
2024 27.433.420.000.000 30.4%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

PT Bank Danamon Indonesia Tbk Net Profit
Year Net Profit Growth
2004 2.408.079.000.000
2005 2.003.198.000.000 -20.21%
2006 1.325.332.000.000 -51.15%
2007 2.116.915.000.000 37.39%
2008 1.802.004.000.000 -17.48%
2009 1.613.722.000.000 -11.67%
2010 2.983.761.000.000 45.92%
2011 3.336.266.000.000 10.57%
2012 4.011.873.000.000 16.84%
2013 4.041.684.000.000 0.74%
2014 2.604.017.000.000 -55.21%
2015 2.393.305.000.000 -8.8%
2016 2.669.480.000.000 10.35%
2017 3.681.551.000.000 27.49%
2018 3.922.172.000.000 6.13%
2019 4.073.453.000.000 3.71%
2020 1.007.614.000.000 -304.27%
2021 1.571.471.000.000 35.88%
2022 3.302.314.000.000 52.41%
2023 4.213.032.000.000 21.62%
2023 3.503.882.000.000 -20.24%
2024 2.494.484.000.000 -40.47%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

PT Bank Danamon Indonesia Tbk Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 477
2005 396 -20.51%
2006 261 -51.34%
2007 411 36.5%
2008 295 -39.8%
2009 181 -63.33%
2010 343 47.37%
2011 374 8.31%
2012 419 10.77%
2013 422 0.71%
2014 272 -55.35%
2015 250 -8.84%
2016 279 10.43%
2017 384 27.6%
2018 409 6.11%
2019 379 -8.2%
2020 103 -266.99%
2021 161 35.63%
2022 338 52.52%
2023 431 21.81%
2023 359 -20.39%
2024 255 -40.39%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

PT Bank Danamon Indonesia Tbk Free Cashflow
Year Free Cashflow Growth
2004 -7.787.523.000.000
2005 -3.597.381.000.000 -116.48%
2006 2.069.552.000.000 273.82%
2007 -5.207.352.000.000 139.74%
2008 2.331.301.000.000 323.37%
2009 -1.438.736.000.000 262.04%
2010 -3.956.920.000.000 63.64%
2011 -9.437.543.000.000 58.07%
2012 -4.009.781.000.000 -135.36%
2013 2.785.222.000.000 243.97%
2014 4.647.726.000.000 40.07%
2015 8.104.477.000.000 42.65%
2016 -1.097.219.000.000 838.64%
2017 3.261.203.000.000 133.64%
2018 3.969.188.000.000 17.84%
2019 -9.437.686.000.000 142.06%
2020 17.018.485.000.000 155.46%
2021 14.747.243.000.000 -15.4%
2022 -8.599.745.000.000 271.48%
2023 36.927.000.000 23388.5%
2023 -7.074.182.000.000 100.52%
2024 2.696.537.000.000 362.34%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

PT Bank Danamon Indonesia Tbk Operating Cashflow
Year Operating Cashflow Growth
2004 -7.414.044.000.000
2005 -3.153.014.000.000 -135.14%
2006 2.444.671.000.000 228.97%
2007 -4.925.871.000.000 149.63%
2008 3.116.534.000.000 258.06%
2009 -1.098.934.000.000 383.6%
2010 -2.962.519.000.000 62.91%
2011 -8.762.571.000.000 66.19%
2012 -3.178.032.000.000 -175.72%
2013 3.533.128.000.000 189.95%
2014 5.500.443.000.000 35.77%
2015 8.994.609.000.000 38.85%
2016 -446.199.000.000 2115.83%
2017 3.748.625.000.000 111.9%
2018 4.445.372.000.000 15.67%
2019 -9.005.154.000.000 149.36%
2020 17.305.893.000.000 152.04%
2021 15.173.157.000.000 -14.06%
2022 -8.210.738.000.000 284.8%
2023 191.499.000.000 4387.61%
2023 -6.377.996.000.000 103%
2024 2.930.272.000.000 317.66%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

PT Bank Danamon Indonesia Tbk Capital Expenditure
Year Capital Expenditure Growth
2004 373.479.000.000
2005 444.367.000.000 15.95%
2006 375.119.000.000 -18.46%
2007 281.481.000.000 -33.27%
2008 785.233.000.000 64.15%
2009 339.802.000.000 -131.09%
2010 994.401.000.000 65.83%
2011 674.972.000.000 -47.32%
2012 831.749.000.000 18.85%
2013 747.906.000.000 -11.21%
2014 852.717.000.000 12.29%
2015 890.132.000.000 4.2%
2016 651.020.000.000 -36.73%
2017 487.422.000.000 -33.56%
2018 476.184.000.000 -2.36%
2019 432.532.000.000 -10.09%
2020 287.408.000.000 -50.49%
2021 425.914.000.000 32.52%
2022 389.007.000.000 -9.49%
2023 154.572.000.000 -151.67%
2023 696.186.000.000 77.8%
2024 233.735.000.000 -197.85%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

PT Bank Danamon Indonesia Tbk Equity
Year Equity Growth
2004 7.930.682.000.000
2005 8.760.284.000.000 9.47%
2006 9.686.878.000.000 9.57%
2007 11.170.483.000.000 13.28%
2008 11.109.265.000.000 -0.55%
2009 15.901.986.000.000 30.14%
2010 18.609.028.000.000 14.55%
2011 25.836.501.000.000 27.97%
2012 28.733.311.000.000 10.08%
2013 31.552.983.000.000 8.94%
2014 33.017.524.000.000 4.44%
2015 34.214.849.000.000 3.5%
2016 36.377.972.000.000 5.95%
2017 39.172.152.000.000 7.13%
2018 41.939.821.000.000 6.6%
2019 45.417.027.000.000 7.66%
2020 43.575.499.000.000 -4.23%
2021 45.083.058.000.000 3.34%
2022 47.478.482.000.000 5.05%
2023 48.968.529.000.000 3.04%
2023 49.959.368.000.000 1.98%
2024 50.047.406.000.000 0.18%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

PT Bank Danamon Indonesia Tbk Assets
Year Assets Growth
2004 58.820.805.000.000
2005 67.803.454.000.000 13.25%
2006 82.072.687.000.000 17.39%
2007 89.409.827.000.000 8.21%
2008 107.268.363.000.000 16.65%
2009 98.597.953.000.000 -8.79%
2010 118.206.573.000.000 16.59%
2011 141.934.432.000.000 16.72%
2012 155.791.308.000.000 8.89%
2013 184.237.348.000.000 15.44%
2014 195.708.593.000.000 5.86%
2015 188.057.412.000.000 -4.07%
2016 174.086.730.000.000 -8.03%
2017 178.257.092.000.000 2.34%
2018 186.762.189.000.000 4.55%
2019 193.533.970.000.000 3.5%
2020 200.890.068.000.000 3.66%
2021 192.239.698.000.000 -4.5%
2022 197.729.688.000.000 2.78%
2023 208.277.073.000.000 5.06%
2023 221.304.532.000.000 5.89%
2024 231.916.439.000.000 4.58%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

PT Bank Danamon Indonesia Tbk Liabilities
Year Liabilities Growth
2004 50.890.123.000.000
2005 59.043.170.000.000 13.81%
2006 72.385.809.000.000 18.43%
2007 78.239.344.000.000 7.48%
2008 96.159.098.000.000 18.64%
2009 82.695.967.000.000 -16.28%
2010 99.597.545.000.000 16.97%
2011 116.097.931.000.000 14.21%
2012 127.057.997.000.000 8.63%
2013 152.684.365.000.000 16.78%
2014 162.691.069.000.000 6.15%
2015 153.842.563.000.000 -5.75%
2016 137.708.758.000.000 -11.72%
2017 139.084.940.000.000 0.99%
2018 144.822.368.000.000 3.96%
2019 148.116.943.000.000 2.22%
2020 157.314.569.000.000 5.85%
2021 147.156.640.000.000 -6.9%
2022 150.251.206.000.000 2.06%
2023 159.308.544.000.000 5.69%
2023 171.345.164.000.000 7.02%
2024 181.869.033.000.000 5.79%

PT Bank Danamon Indonesia Tbk Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2385.26
Net Income per Share
353.1
Price to Earning Ratio
7.42x
Price To Sales Ratio
1.1x
POCF Ratio
5.7
PFCF Ratio
7.19
Price to Book Ratio
0.52
EV to Sales
1.6
EV Over EBITDA
13.25
EV to Operating CashFlow
8.29
EV to FreeCashFlow
10.46
Earnings Yield
0.13
FreeCashFlow Yield
0.14
Market Cap
25.607 Bil.
Enterprise Value
37.230 Bil.
Graham Number
6333.2
Graham NetNet
-18100.5

Income Statement Metrics

Net Income per Share
353.1
Income Quality
1.3
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.75
EBT Per Ebit
1.01
Ebit per Revenue
0.19
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.11
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.19
Pretax Profit Margin
0.2
Net Profit Margin
0.15

Dividends

Dividend Yield
0.05
Dividend Yield %
4.79
Payout Ratio
0.38
Dividend Per Share
125.48

Operating Metrics

Operating Cashflow per Share
459.52
Free CashFlow per Share
364.2
Capex to Operating CashFlow
0.21
Capex to Revenue
0.04
Capex to Depreciation
1.35
Return on Invested Capital
0.05
Return on Tangible Assets
0.02
Days Sales Outstanding
36.93
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
9.88
Payables Turnover
0
Inventory Turnover
0
Capex per Share
95.32

Balance Sheet

Cash per Share
894,89
Book Value per Share
5.120,70
Tangible Book Value per Share
4926.36
Shareholders Equity per Share
5048.48
Interest Debt per Share
3137.02
Debt to Equity
0.5
Debt to Assets
0.11
Net Debt to EBITDA
4.14
Current Ratio
0.22
Tangible Asset Value
48.148 Bil.
Net Current Asset Value
-162.140 Bil.
Invested Capital
-66598790000000
Working Capital
-70.822 Bil.
Intangibles to Total Assets
0.01
Average Receivables
2.314 Bil.
Average Payables
488 Bil.
Average Inventory
-11151695000000
Debt to Market Cap
0.97

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

PT Bank Danamon Indonesia Tbk Dividends
Year Dividends Growth
2003 71
2004 302 76.82%
2005 67 -357.58%
2006 53 -24.53%
2007 131 59.54%
2008 210 37.32%
2009 91 -129.67%
2010 91 0%
2011 120 23.53%
2012 104 -14.42%
2013 126 16.8%
2014 127 0.79%
2015 82 -55.56%
2016 75 -9.46%
2017 195 61.86%
2018 134 -44.78%
2019 143 6.29%
2020 188 23.53%
2021 36 -419.44%
2022 56 35.71%
2023 118 52.54%
2024 125 5.6%

PT Bank Danamon Indonesia Tbk Profile

About PT Bank Danamon Indonesia Tbk

PT Bank Danamon Indonesia Tbk provides banking and financial products and services for consumers, small medium enterprises, and commercial and corporate customers in Indonesia. It operates through Retail and Wholesale segments. The company offers savings, checking, and current accounts; time and Sharia deposits; and credit and debit cards. It also provides unsecured personal loans, secured property mortgages, Sharia housing loans, and automotive and business financing services; Sharia leasing; employee cooperative, working capital, investment, trade, mortgage, and financial supply chain financing; and cash management services comprising collection, payment, and liquidity management services. In addition, the company offers foreign exchange, interest rate swap and cross currency swap, marketable securities, money market, and repo/reverse repo products and services; Shariah business and personal; e-banking; personal, investment related, health, and general insurance products and services; investment products, such as mutual funds, investment plans, bonds, and foreign exchanges; and other solutions. As December 31, 2021, the company had 41 conventional main branches; 369 conventional sub-branches, cash branches, and functional branches; and 14 Sharia branches and sub-branches. It also operates a network of approximately 1,471 automated teller machines and 70 cash deposit machines. The company was formerly known as Bank Kopra Indonesia and changed its name to PT Bank Danamon Indonesia Tbk in 1976. The company was founded in 1956 and is headquartered in Jakarta, Indonesia. PT Bank Danamon Indonesia Tbk is a subsidiary of MUFG Bank, Ltd.

CEO
Mr. Daisuke Ejima
Employee
23.244
Address
Menara Bank Danamon
Jakarta, 12920

PT Bank Danamon Indonesia Tbk Executives & BODs

PT Bank Danamon Indonesia Tbk Executives & BODs
# Name Age
1 Ms. Rita Mirasari
Compliance Director, Corporate Secretary & Director
70
2 Mr. Hendy Deiny Wong
Head of Corporate Secretary
70
3 Mr. Satyo Haryo Wibisono
Head of Legal Counsel & Litigation
70
4 Mr. Daisuke Ejima
President Director
70
5 Refita Rulli Arief
Syariah Financing Business Head
70
6 Mr. Muljono Tjandra
Chief Financial Officer & Director
70
7 Yogi Z. Arief
Head of Corporation Planning & Investor Relations
70
8 Gemilang Madyakusuma
IT Production & Infrastructure Management Head
70
9 Lily Puspasari Foeng
Chief Marketing Officer
70
10 Ms. Evi Damayanti
Chief Human Capital
70

PT Bank Danamon Indonesia Tbk Competitors