PT Bank Maybank Indonesia Tbk Logo

PT Bank Maybank Indonesia Tbk

BNII.JK

(2.8)
Stock Price

220 IDR

0.48% ROA

3.06% ROE

18.88x PER

Market Cap.

17.224.635.200.000 IDR

105.77% DER

4.55% Yield

6.94% NPM

PT Bank Maybank Indonesia Tbk Stock Analysis

PT Bank Maybank 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 Maybank Indonesia Tbk Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.63x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (39%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

The stock's ROE falls within an average range (6.09%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.07%) 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.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (934), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

11 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

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

PT Bank Maybank 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 Maybank Indonesia Tbk Revenue
Year Revenue Growth
2005 3.284.448.000.000
2006 3.647.333.000.000 9.95%
2007 3.704.914.000.000 1.55%
2008 4.030.083.000.000 8.07%
2009 4.753.600.000.000 15.22%
2010 5.570.492.000.000 14.66%
2011 6.250.132.000.000 10.87%
2012 7.521.839.000.000 16.91%
2013 8.352.399.000.000 9.94%
2014 7.960.612.000.000 -4.92%
2015 9.248.318.000.000 13.92%
2016 8.948.400.000.000 -3.35%
2017 10.663.362.000.000 16.08%
2018 10.607.100.000.000 -0.53%
2019 10.990.043.000.000 3.48%
2020 9.853.020.000.000 -11.54%
2021 9.467.594.000.000 -4.07%
2022 9.183.547.000.000 -3.09%
2023 9.781.168.000.000 6.11%
2023 13.585.400.000.000 28%
2024 14.351.940.000.000 5.34%

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 Maybank Indonesia 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 Maybank Indonesia Tbk General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 1.316.242.000.000
2006 1.463.363.000.000 10.05%
2007 1.288.965.000.000 -13.53%
2008 1.454.751.000.000 11.4%
2009 1.731.302.000.000 15.97%
2010 1.984.819.000.000 12.77%
2011 2.186.929.000.000 9.24%
2012 1.556.523.000.000 -40.5%
2013 1.613.425.000.000 3.53%
2014 1.705.970.000.000 5.42%
2015 1.795.071.000.000 4.96%
2016 1.397.248.000.000 -28.47%
2017 1.989.938.000.000 29.78%
2018 2.339.343.000.000 14.94%
2019 2.654.620.000.000 11.88%
2020 2.137.298.000.000 -24.2%
2021 1.886.540.000.000 -13.29%
2022 1.804.044.000.000 -4.57%
2023 1.510.224.000.000 -19.46%
2023 1.540.736.000.000 1.98%
2024 1.754.408.000.000 12.18%

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 Maybank Indonesia Tbk EBITDA
Year EBITDA Growth
2005 3.093.847.000.000
2006 4.267.759.000.000 27.51%
2007 3.518.538.000.000 -21.29%
2008 3.839.988.000.000 8.37%
2009 3.175.028.000.000 -20.94%
2010 3.714.545.000.000 14.52%
2011 4.905.278.000.000 24.27%
2012 5.934.232.000.000 17.34%
2013 7.607.137.000.000 21.99%
2014 8.416.884.000.000 9.62%
2015 8.971.175.000.000 6.18%
2016 9.289.605.000.000 3.43%
2017 9.152.673.000.000 -1.5%
2018 9.167.350.000.000 0.16%
2019 2.805.206.000.000 -226.8%
2020 2.295.858.000.000 -22.19%
2021 2.641.791.000.000 13.09%
2022 4.950.275.000.000 46.63%
2023 2.028.088.000.000 -144.09%
2023 498.900.000.000 -306.51%
2024 -56.780.000.000 978.65%

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 Maybank Indonesia Tbk Gross Profit
Year Gross Profit Growth
2005 3.284.448.000.000
2006 3.647.333.000.000 9.95%
2007 3.704.914.000.000 1.55%
2008 4.030.083.000.000 8.07%
2009 4.753.600.000.000 15.22%
2010 5.570.492.000.000 14.66%
2011 6.250.132.000.000 10.87%
2012 7.521.839.000.000 16.91%
2013 8.352.399.000.000 9.94%
2014 7.960.612.000.000 -4.92%
2015 9.248.318.000.000 13.92%
2016 8.948.400.000.000 -3.35%
2017 10.663.362.000.000 16.08%
2018 10.607.100.000.000 -0.53%
2019 10.990.043.000.000 3.48%
2020 9.853.020.000.000 -11.54%
2021 9.467.594.000.000 -4.07%
2022 9.183.547.000.000 -3.09%
2023 9.781.168.000.000 6.11%
2023 13.585.400.000.000 28%
2024 14.351.940.000.000 5.34%

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 Maybank Indonesia Tbk Net Profit
Year Net Profit Growth
2005 725.118.000.000
2006 633.710.000.000 -14.42%
2007 404.757.000.000 -56.57%
2008 490.818.000.000 17.53%
2009 -10.652.000.000 4707.75%
2010 531.126.000.000 102.01%
2011 671.096.000.000 20.86%
2012 1.208.223.000.000 44.46%
2013 1.545.101.000.000 21.8%
2014 698.519.000.000 -121.2%
2015 1.139.070.000.000 38.68%
2016 1.948.312.000.000 41.54%
2017 1.804.031.000.000 -8%
2018 2.194.576.000.000 17.8%
2019 1.842.520.000.000 -19.11%
2020 1.266.348.000.000 -45.5%
2021 1.666.316.000.000 24%
2022 1.471.070.000.000 -13.27%
2023 1.146.708.000.000 -28.29%
2023 1.743.406.000.000 34.23%
2024 1.425.680.000.000 -22.29%

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 Maybank Indonesia Tbk Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 14
2006 12 -16.67%
2007 7 -100%
2008 9 33.33%
2009 0 0%
2010 8 100%
2011 12 36.36%
2012 21 45%
2013 26 20%
2014 12 -127.27%
2015 17 31.25%
2016 29 42.86%
2017 27 -3.7%
2018 30 10%
2019 24 -25%
2020 17 -50%
2021 22 23.81%
2022 19 -10.53%
2023 15 -26.67%
2023 23 31.82%
2024 19 -22.22%

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 Maybank Indonesia Tbk Free Cashflow
Year Free Cashflow Growth
2005 2.285.425.000.000
2006 -181.312.000.000 1360.49%
2007 -4.296.487.000.000 95.78%
2008 -877.879.000.000 -389.42%
2009 4.268.009.000.000 120.57%
2010 -469.716.000.000 1008.64%
2011 -2.461.033.000.000 80.91%
2012 3.367.335.000.000 173.09%
2013 -228.730.000.000 1572.19%
2014 -6.829.892.000.000 96.65%
2015 8.295.768.000.000 182.33%
2016 -4.927.258.000.000 268.36%
2017 -4.255.604.000.000 -15.78%
2018 -7.540.858.000.000 43.57%
2019 5.773.591.000.000 230.61%
2020 30.298.966.000.000 80.94%
2021 -3.762.000.000 805495.16%
2022 -13.105.062.000.000 99.97%
2023 2.697.266.000.000 585.86%
2023 2.560.115.000.000 -5.36%
2024 -169.290.000.000 1612.27%

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 Maybank Indonesia Tbk Operating Cashflow
Year Operating Cashflow Growth
2005 2.433.985.000.000
2006 -57.588.000.000 4326.55%
2007 -4.296.487.000.000 98.66%
2008 -765.457.000.000 -461.3%
2009 4.403.489.000.000 117.38%
2010 -284.228.000.000 1649.28%
2011 -2.214.531.000.000 87.17%
2012 3.621.444.000.000 161.15%
2013 61.271.000.000 -5810.54%
2014 -6.527.436.000.000 100.94%
2015 8.496.395.000.000 176.83%
2016 -4.730.653.000.000 279.6%
2017 -3.996.679.000.000 -18.36%
2018 -7.366.174.000.000 45.74%
2019 6.099.537.000.000 220.77%
2020 30.522.013.000.000 80.02%
2021 256.096.000.000 -11818.19%
2022 -12.707.646.000.000 102.02%
2023 2.751.391.000.000 561.86%
2023 3.228.300.000.000 14.77%
2024 -20.331.000.000 15978.71%

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 Maybank Indonesia Tbk Capital Expenditure
Year Capital Expenditure Growth
2005 148.560.000.000
2006 123.724.000.000 -20.07%
2007 0 0%
2008 112.422.000.000 100%
2009 135.480.000.000 17.02%
2010 185.488.000.000 26.96%
2011 246.502.000.000 24.75%
2012 254.109.000.000 2.99%
2013 290.001.000.000 12.38%
2014 302.456.000.000 4.12%
2015 200.627.000.000 -50.76%
2016 196.605.000.000 -2.05%
2017 258.925.000.000 24.07%
2018 174.684.000.000 -48.22%
2019 325.946.000.000 46.41%
2020 223.047.000.000 -46.13%
2021 259.858.000.000 14.17%
2022 397.416.000.000 34.61%
2023 54.125.000.000 -634.26%
2023 668.185.000.000 91.9%
2024 148.959.000.000 -348.57%

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 Maybank Indonesia Tbk Equity
Year Equity Growth
2005 5.058.933.000.000
2006 5.585.672.000.000 9.43%
2007 5.519.064.000.000 -1.21%
2008 5.103.094.000.000 -8.15%
2009 5.427.052.000.000 5.97%
2010 7.459.196.000.000 27.24%
2011 7.954.003.000.000 6.22%
2012 9.667.493.000.000 17.72%
2013 12.408.401.000.000 22.09%
2014 14.650.051.000.000 15.3%
2015 15.743.268.000.000 6.94%
2016 19.272.606.000.000 18.31%
2017 20.775.040.000.000 7.23%
2018 25.090.691.000.000 17.2%
2019 26.684.916.000.000 5.97%
2020 27.223.630.000.000 1.98%
2021 28.725.123.000.000 5.23%
2022 29.533.950.000.000 2.74%
2023 30.037.555.000.000 1.68%
2023 30.796.034.000.000 2.46%
2024 29.924.107.000.000 -2.91%

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 Maybank Indonesia Tbk Assets
Year Assets Growth
2005 50.271.022.000.000
2006 53.102.230.000.000 5.33%
2007 55.148.453.000.000 3.71%
2008 56.855.129.000.000 3%
2009 60.965.774.000.000 6.74%
2010 75.130.433.000.000 18.85%
2011 94.919.111.000.000 20.85%
2012 115.772.908.000.000 18.01%
2013 140.546.751.000.000 17.63%
2014 143.318.466.000.000 1.93%
2015 157.619.013.000.000 9.07%
2016 166.678.902.000.000 5.44%
2017 173.253.491.000.000 3.79%
2018 177.532.858.000.000 2.41%
2019 169.082.830.000.000 -5%
2020 173.224.412.000.000 2.39%
2021 168.758.476.000.000 -2.65%
2022 160.813.918.000.000 -4.94%
2023 170.051.640.000.000 5.43%
2023 171.803.070.000.000 1.02%
2024 189.161.036.000.000 9.18%

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 Maybank Indonesia Tbk Liabilities
Year Liabilities Growth
2005 45.212.089.000.000
2006 47.516.558.000.000 4.85%
2007 49.629.389.000.000 4.26%
2008 51.752.035.000.000 4.1%
2009 55.538.722.000.000 6.82%
2010 67.671.237.000.000 17.93%
2011 86.965.108.000.000 22.19%
2012 106.105.415.000.000 18.04%
2013 128.138.350.000.000 17.19%
2014 128.668.415.000.000 0.41%
2015 141.875.745.000.000 9.31%
2016 147.406.296.000.000 3.75%
2017 152.478.451.000.000 3.33%
2018 152.442.167.000.000 -0.02%
2019 142.397.914.000.000 -7.05%
2020 146.000.782.000.000 2.47%
2021 140.033.353.000.000 -4.26%
2022 131.279.968.000.000 -6.67%
2023 140.014.085.000.000 6.24%
2023 141.007.036.000.000 0.7%
2024 159.236.929.000.000 11.45%

PT Bank Maybank Indonesia Tbk Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
172.37
Net Income per Share
11.97
Price to Earning Ratio
18.88x
Price To Sales Ratio
1.31x
POCF Ratio
4.38
PFCF Ratio
5.26
Price to Book Ratio
0.59
EV to Sales
2.41
EV Over EBITDA
47.89
EV to Operating CashFlow
8.05
EV to FreeCashFlow
9.67
Earnings Yield
0.05
FreeCashFlow Yield
0.19
Market Cap
17.225 Bil.
Enterprise Value
31.655 Bil.
Graham Number
322.17
Graham NetNet
-2009.22

Income Statement Metrics

Net Income per Share
11.97
Income Quality
4.31
ROE
0.03
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.66
EBT Per Ebit
1.94
Ebit per Revenue
0.05
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.12
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.05
Pretax Profit Margin
0.1
Net Profit Margin
0.07

Dividends

Dividend Yield
0.05
Dividend Yield %
4.55
Payout Ratio
0.86
Dividend Per Share
10.29

Operating Metrics

Operating Cashflow per Share
51.59
Free CashFlow per Share
42.96
Capex to Operating CashFlow
0.17
Capex to Revenue
0.05
Capex to Depreciation
1.16
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
188.05
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.94
Payables Turnover
0
Inventory Turnover
0
Capex per Share
8.62

Balance Sheet

Cash per Share
115,77
Book Value per Share
392,63
Tangible Book Value per Share
388.25
Shareholders Equity per Share
385.45
Interest Debt per Share
448.3
Debt to Equity
1.06
Debt to Assets
0.16
Net Debt to EBITDA
21.83
Current Ratio
0.34
Tangible Asset Value
29.591 Bil.
Net Current Asset Value
-130.207 Bil.
Invested Capital
-53348862000000
Working Capital
-57.512 Bil.
Intangibles to Total Assets
0
Average Receivables
4.422 Bil.
Average Payables
123 Bil.
Average Inventory
-11119229500000
Debt to Market Cap
1.8

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 Maybank Indonesia Tbk Dividends
Year Dividends Growth
2005 5
2006 5 0%
2007 5 0%
2008 4 -33.33%
2009 3 -50%
2017 6 60%
2018 5 0%
2019 7 28.57%
2020 5 -75%
2021 3 -33.33%
2022 6 50%
2023 8 14.29%
2024 10 30%

PT Bank Maybank Indonesia Tbk Profile

About PT Bank Maybank Indonesia Tbk

PT Bank Maybank Indonesia Tbk provides general banking services in Indonesia and internationally. The company operates through Global Banking, Business Banking, and Retail segments. It provides savings and current accounts, and demand and time deposits; credit cards; digital banking services; personal, multifunctional, car, and motorcycle loans; mortgages; investment products, such as government bonds and mutual funds; and various life, disaster, and health insurance products, as well as traditional insurance products. The company also offers working capital solutions, including supply chain financing; loans for SME; commercial vehicle financing, heavy equipment loans, commercial property credit, credit franchise, and property agent referral programs; letters of credit, trust receipts financing, and inward documentary collection services; pre and post shipment financing services; guarantees; and invoice financing services. In addition, it provides transaction banking services, including liquidity management, and payment and collection services, as well as Shariah banking services. Further, the company offers foreign exchange and hedging products, and structured investment products. As of December 31, 2021, it had 81 branches, 255 sub-branches, 1 micro sub-branch, 17 Sharia branches, and 2 sub-branches Sharia. The company was formerly known as PT Bank Internasional Indonesia Tbk and changed its name to PT Bank Maybank Indonesia Tbk. The company was founded in 1959 and is headquartered in Jakarta, Indonesia.

CEO
Mr. Steffano Ridwan
Employee
9.763
Address
Sentral Senayan III
Jakarta, 10270

PT Bank Maybank Indonesia Tbk Executives & BODs

PT Bank Maybank Indonesia Tbk Executives & BODs
# Name Age
1 Ms. Anindita Widyasari
Head of General Legal Counsel
70
2 Mr. Tommy Hersyaputera
Head of Corporate & Brand Communications
70
3 Ms. Cincin Lisa
Head of Finance & Accounting
70
4 Mr. Steffano Ridwan
President Director
70
5 Shaiful Adhli Yazid
Director of Finance
70
6 Mr. - David
Head of Corporate Finance & Capital Management
70
7 Mr. Bambang Andri Irawan
Director of Information and Technology & Director
70
8 Ms. Yessika Effendi
Compliance Director
70
9 Mr. Widya Permana
Operations Director & Director
70
10 Ms. Nurmala Damanik
Head of Financial Planning, Performance Management & Investor Relations
70

PT Bank Maybank Indonesia Tbk Competitors