PT Bank Mandiri (Persero) Tbk Logo

PT Bank Mandiri (Persero) Tbk

BMRI.JK

(3.0)
Stock Price

6.325 IDR

2.5% ROA

22.57% ROE

11.71x PER

Market Cap.

653.730.000.000.000 IDR

84.68% DER

5% Yield

36.32% NPM

PT Bank Mandiri (Persero) Tbk Stock Analysis

PT Bank Mandiri (Persero) 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 Mandiri (Persero) Tbk Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (21.52%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROA

The stock's ROA (2.48%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 DER

The stock has a reasonable amount of debt compared to its ownership (57%), suggesting a balanced financial position and a moderate level of risk.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

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 seems undervalued (10.175) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 PBV

The stock's elevated P/BV ratio (7.54x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

11 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

PT Bank Mandiri (Persero) 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 Mandiri (Persero) Tbk Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

PT Bank Mandiri (Persero) 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 Mandiri (Persero) Tbk Revenue
Year Revenue Growth
2005 12.590.018.000.000
2006 13.244.873.000.000 4.94%
2007 32.333.000.000.000 59.04%
2008 39.824.000.000.000 18.81%
2009 22.442.230.000.000 -77.45%
2010 28.879.986.000.000 22.29%
2011 35.761.464.000.000 19.24%
2012 42.597.635.000.000 16.05%
2013 49.898.372.000.000 14.63%
2014 59.837.807.000.000 16.61%
2015 68.892.779.000.000 13.14%
2016 76.368.820.000.000 9.79%
2017 79.923.933.000.000 4.45%
2018 85.813.505.000.000 6.86%
2019 91.162.211.000.000 5.87%
2020 91.988.738.000.000 0.9%
2021 112.603.721.000.000 18.31%
2022 22.056.000.000 -510435.55%
2023 125.469.980.000.000 99.98%
2023 123.235.528.000.000 -1.81%
2024 184.016.652.000.000 33.03%

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 Mandiri (Persero) Tbk Research and Development Expenses
Year Research and Development Expenses Growth
2005 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 Mandiri (Persero) Tbk General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 3.080.079.000.000
2006 3.250.893.000.000 5.25%
2007 3.409.000.000.000 4.64%
2008 3.862.000.000.000 11.73%
2009 4.324.893.000.000 10.7%
2010 5.467.972.000.000 20.9%
2011 6.577.643.000.000 16.87%
2012 5.512.389.000.000 -19.32%
2013 6.722.378.000.000 18%
2014 7.944.420.000.000 15.38%
2015 8.632.864.000.000 7.97%
2016 9.199.153.000.000 6.16%
2017 10.363.779.000.000 11.24%
2018 11.502.824.000.000 9.9%
2019 12.144.113.000.000 5.28%
2020 11.367.283.000.000 -6.83%
2021 13.390.928.000.000 15.11%
2022 14.058.159.000.000 4.75%
2023 14.501.964.000.000 3.06%
2023 14.342.877.000.000 -1.11%
2024 12.933.196.000.000 -10.9%

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 Mandiri (Persero) Tbk EBITDA
Year EBITDA Growth
2005 13.277.058.000.000
2006 18.747.066.000.000 29.18%
2007 17.476.000.000.000 -7.27%
2008 20.119.000.000.000 13.14%
2009 26.645.923.000.000 24.5%
2010 28.385.203.000.000 6.13%
2011 32.016.231.000.000 11.34%
2012 35.695.126.000.000 10.31%
2013 41.821.347.000.000 14.65%
2014 49.886.424.000.000 16.17%
2015 53.249.409.000.000 6.32%
2016 44.371.379.000.000 -20.01%
2017 52.818.846.000.000 15.99%
2018 58.634.370.000.000 9.92%
2019 37.527.401.000.000 -56.24%
2020 26.465.860.000.000 -41.8%
2021 39.393.427.000.000 32.82%
2022 77.620.252.000.000 49.25%
2023 74.465.248.000.000 -4.24%
2023 74.259.970.000.000 -0.28%
2024 -5.193.832.000.000 1529.77%

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 Mandiri (Persero) Tbk Gross Profit
Year Gross Profit Growth
2005 12.590.018.000.000
2006 13.244.873.000.000 4.94%
2007 32.333.000.000.000 59.04%
2008 39.824.000.000.000 18.81%
2009 22.442.230.000.000 -77.45%
2010 28.879.986.000.000 22.29%
2011 35.761.464.000.000 19.24%
2012 41.381.008.000.000 13.58%
2013 48.745.596.000.000 15.11%
2014 55.550.915.000.000 12.25%
2015 62.482.956.000.000 11.09%
2016 73.124.074.000.000 14.55%
2017 76.270.175.000.000 4.12%
2018 83.664.004.000.000 8.84%
2019 91.162.211.000.000 8.23%
2020 91.988.738.000.000 0.9%
2021 112.603.721.000.000 18.31%
2022 22.056.000.000 -510435.55%
2023 125.469.980.000.000 99.98%
2023 123.235.528.000.000 -1.81%
2024 184.016.652.000.000 33.03%

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 Mandiri (Persero) Tbk Net Profit
Year Net Profit Growth
2005 604.531.000.000
2006 2.422.472.000.000 75.04%
2007 4.347.000.000.000 44.27%
2008 6.082.000.000.000 28.53%
2009 7.198.488.000.000 15.51%
2010 9.369.226.000.000 23.17%
2011 12.246.044.000.000 23.49%
2012 15.504.067.000.000 21.01%
2013 18.203.753.000.000 14.83%
2014 19.871.873.000.000 8.39%
2015 20.334.968.000.000 2.28%
2016 13.806.565.000.000 -47.28%
2017 20.639.683.000.000 33.11%
2018 25.015.021.000.000 17.49%
2019 27.482.133.000.000 8.98%
2020 16.799.515.000.000 -63.59%
2021 28.028.155.000.000 40.06%
2022 41.170.637.000.000 31.92%
2023 55.326.624.000.000 25.59%
2023 55.060.057.000.000 -0.48%
2024 55.393.848.000.000 0.6%

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 Mandiri (Persero) Tbk Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 7
2006 29 75.86%
2007 52 43.14%
2008 63 17.74%
2009 84 26.19%
2010 108 22.22%
2011 132 18.18%
2012 166 20.48%
2013 195 14.87%
2014 213 8.02%
2015 218 2.3%
2016 148 -47.62%
2017 221 33.48%
2018 268 17.54%
2019 294 8.84%
2020 180 -63.33%
2021 301 40%
2022 441 31.97%
2023 0 0%
2023 590 100%
2024 594 0.67%

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 Mandiri (Persero) Tbk Free Cashflow
Year Free Cashflow Growth
2005 9.142.281.000.000
2006 11.976.543.000.000 23.67%
2009 11.708.620.000.000 -2.29%
2010 41.081.814.000.000 71.5%
2011 18.899.770.000.000 -117.37%
2012 6.878.132.000.000 -174.78%
2013 10.709.354.000.000 35.77%
2014 18.135.353.000.000 40.95%
2015 8.492.578.000.000 -113.54%
2016 38.951.431.000.000 78.2%
2017 2.277.342.000.000 -1610.39%
2018 -35.256.484.000.000 106.46%
2019 19.133.294.000.000 284.27%
2020 96.836.173.000.000 80.24%
2021 125.298.678.000.000 22.72%
2022 93.499.583.000.000 -34.01%
2023 -76.517.163.000.000 222.19%
2023 -16.327.030.000.000 -368.65%
2024 5.671.457.000.000 387.88%

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 Mandiri (Persero) Tbk Operating Cashflow
Year Operating Cashflow Growth
2005 9.553.788.000.000
2006 12.240.390.000.000 21.95%
2009 12.360.087.000.000 0.97%
2010 42.109.002.000.000 70.65%
2011 20.440.640.000.000 -106.01%
2012 8.798.671.000.000 -132.32%
2013 12.733.517.000.000 30.9%
2014 21.091.691.000.000 39.63%
2015 10.201.454.000.000 -106.75%
2016 41.521.119.000.000 75.43%
2017 4.952.703.000.000 -738.35%
2018 -31.962.470.000.000 115.5%
2019 23.967.890.000.000 233.36%
2020 102.060.837.000.000 76.52%
2021 129.892.493.000.000 21.43%
2022 100.726.048.000.000 -28.96%
2023 -69.622.480.000.000 244.67%
2023 -14.844.210.000.000 -369.02%
2024 7.011.833.000.000 311.7%

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 Mandiri (Persero) Tbk Capital Expenditure
Year Capital Expenditure Growth
2005 411.507.000.000
2006 263.847.000.000 -55.96%
2009 651.467.000.000 59.5%
2010 1.027.188.000.000 36.58%
2011 1.540.870.000.000 33.34%
2012 1.920.539.000.000 19.77%
2013 2.024.163.000.000 5.12%
2014 2.956.338.000.000 31.53%
2015 1.708.876.000.000 -73%
2016 2.569.688.000.000 33.5%
2017 2.675.361.000.000 3.95%
2018 3.294.014.000.000 18.78%
2019 4.834.596.000.000 31.87%
2020 5.224.664.000.000 7.47%
2021 4.593.815.000.000 -13.73%
2022 7.226.465.000.000 36.43%
2023 6.894.683.000.000 -4.81%
2023 1.482.820.000.000 -364.97%
2024 1.340.376.000.000 -10.63%

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 Mandiri (Persero) Tbk Equity
Year Equity Growth
2005 23.219.103.000.000
2006 26.345.846.000.000 11.87%
2007 29.244.000.000.000 9.91%
2008 30.514.000.000.000 4.16%
2009 35.298.263.000.000 13.55%
2010 42.070.036.000.000 16.1%
2011 62.654.408.000.000 32.85%
2012 76.532.865.000.000 18.13%
2013 88.790.596.000.000 13.81%
2014 104.844.562.000.000 15.31%
2015 119.491.841.000.000 12.26%
2016 153.369.723.000.000 22.09%
2017 170.006.132.000.000 9.79%
2018 184.960.305.000.000 8.09%
2019 209.034.525.000.000 11.52%
2020 193.796.083.000.000 -7.86%
2021 222.111.282.000.000 12.75%
2022 252.245.455.000.000 11.95%
2023 287.494.962.000.000 12.26%
2023 268.603.940.000.000 -7.03%
2024 282.332.541.000.000 4.86%

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 Mandiri (Persero) Tbk Assets
Year Assets Growth
2005 263.383.348.000.000
2006 267.517.192.000.000 1.55%
2007 319.086.000.000.000 16.16%
2008 358.439.000.000.000 10.98%
2009 394.616.604.000.000 9.17%
2010 449.774.551.000.000 12.26%
2011 551.891.704.000.000 18.5%
2012 635.618.708.000.000 13.17%
2013 733.099.762.000.000 13.3%
2014 855.039.673.000.000 14.26%
2015 910.063.409.000.000 6.05%
2016 1.038.706.009.000.000 12.38%
2017 1.124.700.847.000.000 7.65%
2018 1.202.252.094.000.000 6.45%
2019 1.318.246.335.000.000 8.8%
2020 1.429.334.484.000.000 7.77%
2021 1.725.611.128.000.000 17.17%
2022 1.992.544.687.000.000 13.4%
2023 2.174.219.449.000.000 8.36%
2023 2.006.939.146.000.000 -8.34%
2024 2.258.086.703.000.000 11.12%

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 Mandiri (Persero) Tbk Liabilities
Year Liabilities Growth
2005 240.164.245.000.000
2006 241.171.346.000.000 0.42%
2007 289.842.000.000.000 16.79%
2008 327.925.000.000.000 11.61%
2009 359.318.341.000.000 8.74%
2010 407.704.515.000.000 11.87%
2011 489.237.296.000.000 16.67%
2012 559.085.843.000.000 12.49%
2013 644.309.166.000.000 13.23%
2014 750.195.111.000.000 14.11%
2015 790.571.568.000.000 5.11%
2016 885.336.286.000.000 10.7%
2017 954.694.715.000.000 7.26%
2018 1.017.291.789.000.000 6.15%
2019 1.109.211.810.000.000 8.29%
2020 1.235.538.401.000.000 10.22%
2021 1.503.499.846.000.000 17.82%
2022 1.740.299.232.000.000 13.61%
2023 146.178.394.000.000 -1090.53%
2023 1.738.335.206.000.000 91.59%
2024 1.975.754.162.000.000 12.02%

PT Bank Mandiri (Persero) Tbk Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1663.33
Net Income per Share
604.06
Price to Earning Ratio
11.71x
Price To Sales Ratio
4.21x
POCF Ratio
11.36
PFCF Ratio
12.95
Price to Book Ratio
2.6
EV to Sales
4.23
EV Over EBITDA
17.55
EV to Operating CashFlow
11.29
EV to FreeCashFlow
13
Earnings Yield
0.09
FreeCashFlow Yield
0.08
Market Cap
653.730 Bil.
Enterprise Value
656.083 Bil.
Graham Number
6085.99
Graham NetNet
-20625.64

Income Statement Metrics

Net Income per Share
604.06
Income Quality
1.03
ROE
0.23
Return On Assets
0.02
Return On Capital Employed
0.08
Net Income per EBT
0.73
EBT Per Ebit
1.03
Ebit per Revenue
0.48
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.9
Operating Profit Margin
0.48
Pretax Profit Margin
0.5
Net Profit Margin
0.36

Dividends

Dividend Yield
0.05
Dividend Yield %
5
Payout Ratio
0.59
Dividend Per Share
353.96

Operating Metrics

Operating Cashflow per Share
622.53
Free CashFlow per Share
540.83
Capex to Operating CashFlow
0.13
Capex to Revenue
0.05
Capex to Depreciation
1.65
Return on Invested Capital
0.13
Return on Tangible Assets
0.03
Days Sales Outstanding
129.93
Days Payables Outstanding
27.68
Days of Inventory on Hand
-3111.14
Receivables Turnover
2.81
Payables Turnover
13.19
Inventory Turnover
-0.12
Capex per Share
81.7

Balance Sheet

Cash per Share
790,25
Book Value per Share
3.024,99
Tangible Book Value per Share
2963.4
Shareholders Equity per Share
2725.22
Interest Debt per Share
2692.79
Debt to Equity
0.85
Debt to Assets
0.1
Net Debt to EBITDA
0.06
Current Ratio
0.23
Tangible Asset Value
276.584 Bil.
Net Current Asset Value
-1.686.282 Bil.
Invested Capital
-9.23344112E+14
Working Capital
-987.666 Bil.
Intangibles to Total Assets
0
Average Receivables
55.547 Bil.
Average Payables
1.329 Bil.
Average Inventory
-1.29442708E+14
Debt to Market Cap
0.33

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 Mandiri (Persero) Tbk Dividends
Year Dividends Growth
2003 50
2004 125 60%
2005 70 -78.57%
2006 15 -400%
2007 70 80%
2008 187 62.57%
2009 108 -74.77%
2010 120 10.08%
2011 121 0.83%
2012 105 -15.38%
2013 199 47.74%
2014 234 14.96%
2015 213 -10.38%
2016 261 18.77%
2017 266 1.88%
2018 597 55.44%
2019 241 -147.72%
2020 353 31.73%
2021 220 -60.45%
2022 361 38.89%
2023 529 31.95%
2024 354 -49.86%

PT Bank Mandiri (Persero) Tbk Profile

About PT Bank Mandiri (Persero) Tbk

PT Bank Mandiri (Persero) Tbk provides various banking products and services to individuals and businesses in Indonesia, Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, the United Kingdom, and the Cayman Islands. It offers savings and current accounts, time deposits, demand deposits, and foreign currency savings and current accounts; motorcycle loans, mortgage loan, and housing loans, as well as loans for various purposes, such as education, home renovation, marriage, health, and other needs for individuals; and working capital loans, investment loans, people's business loans, syndicated loans, and micro business loans for businesses. The company also provides investment products comprising mutual funds, stocks, and bond trading; life, health, and general insurance products; credit, debit, and corporate cards; e-banking services; digital lending; cash management services; trade finance services, value chain, supply chain management, global and domestic trade, export and import, standby letter of credit, and bank guarantee, as well as spot and forex services; custodial services; treasury services, including cash transaction/liquidity, hedging, and investment products; trust services comprising trustee, paying agent, security agent, escrow agent, monitoring agent, and receiving bank services; and money transfer, remittance services, and venture capital financing. As of 31 December 2021, it operated 2,609 branches, including 137 branch offices, 2,465 sub-branch offices, and 7 overseas branch offices; and 13,087 ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.

CEO
Mr. Darmawan Junaidi
Employee
38.769
Address
Plaza Mandiri
Jakarta, 12190

PT Bank Mandiri (Persero) Tbk Executives & BODs

PT Bank Mandiri (Persero) Tbk Executives & BODs
# Name Age
1 Mr. Aquarius Rudianto
Director of Network & Retail Banking and Director
70
2 Mr. Toni Eko Boy Subari
Director of Operation & Director
70
3 Mr. Sigit Prastowo
Director of Finance & Strategies and Director
70
4 Mr. Laurensius Teiseran
Group Head of Investor Relation
70
5 Mr. Riduan Ahmad
Director of Corporate Banking & Director
70
6 Mr. Darmawan Junaidi
President Director
70
7 Mr. Rohan Hafas
Director of Institutional Relations & Director
70
8 Ms. Alexandra Askandar
Vice President Director
70
9 Dedy Teguh Krisnawan
Group Head of Legal
70
10 Mr. Agus Dwi Handaya
Director of Compliance & Human Resources and Director
70

PT Bank Mandiri (Persero) Tbk Competitors