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PT Bank Negara Indonesia (Persero) Tbk (BBNI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

PT Bank Negara Indonesia (Persero) Tbk

BBNIMarket cap $7.14BPrice $0.2

Country🇮🇩Indonesia

SectorFinancials

IndustryBanks

Runs one of Indonesia's largest state-owned banks, serving millions with loans, deposits, and payment services. Backed by the government, it plays a key role funding national infrastructure and business growth across the archipelago.

In Bastion Portfolios?

52W Return-9%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+0%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+18%–

Rev CAGR (5y)+12%8

Earnings Forecast

EPS Growth Y+1-1%3

EPS Growth Y+2+9%6

EPS Growth Y+3+12%7

Quality

Margins

EBIT Margin0%6

Net Income Margin40%10

Free Cash Flow Margin-359%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE13%6

ROA2%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

100

Price Multiples

P/E Ratio (Forward)610

P/E Ratio (Forward 3y)510

P/BV0.810

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yield10.2%10

Momentum

Short term

1 month return-11%2

3 month return+2%7

YTD return-14%3

Mid term

Price vs 52wHigh79%5

1 year return-5%4

Long term

3 year return-18%2

5 year return+48%6

Risk Shield

Price Risk

Beta0.48

Volatility33%6

Free Cash Flow

Free Cash Flow Margin-359%1

Free Cash Flow Yield0.0%10

Quality

ROCE8%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

BBNIPT Bank Negara Indonesia (Persero) Tbk

Revenue FY25$3.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+0%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+18%–

Revenue, next 5Y, CAGR+12%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-1%3

EPS growth, FY27E+9%6

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 18%/yr over the next 3 years, ahead of most of the market.8/10

Revenue held flat over the last 3 years and is set to grow 18%/yr from here.

The runway holds up: revenue is set to grow 12%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 9%/yr vs revenue 18%/yr), so margins are under pressure. One year dips: EPS falls 1% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

BBNIPT Bank Negara Indonesia (Persero) Tbk

Total return Current28.0%

Price return Current−6.2%

MOMENTUM RATING↗

WEAK31 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-11%2

3-month return+2%7

YTD return-14%3

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-5%4

3-year return-18%2

5-year return+48%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+2%).

WATCH

Average long-term results. Multi-year returns are middling (-18% over three years and +48% over five), roughly average for the market.

It's down 5% over the past year, now 21% below its 52-week high. That is right in line with the market.

WEAKNESSES

The stock is underperforming over the past month (-11%) and so far this year (-14%).

BOTTOM LINE

Weak Tape

Returns across short and long horizons rank poorly versus the market. Momentum offers no support here; the case has to come from other factors. The one thing to watch: the stock is underperforming over the past month and so far this year.

04Value

Are you paying a fair price for it?

Stop guessing on Bank Negara (BNI). Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

BBNIPT Bank Negara Indonesia (Persero) Tbk

Revenue FY25$3.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+0%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+18%–

Revenue, next 5Y, CAGR+12%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-1%3

EPS growth, FY27E+9%6

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 18%/yr over the next 3 years, ahead of most of the market.8/10

Revenue held flat over the last 3 years and is set to grow 18%/yr from here.

The runway holds up: revenue is set to grow 12%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 9%/yr vs revenue 18%/yr), so margins are under pressure. One year dips: EPS falls 1% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

BBNIPT Bank Negara Indonesia (Persero) Tbk

Total return Current28.0%

Price return Current−6.2%

MOMENTUM RATING↗

WEAK31 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-11%2

3-month return+2%7

YTD return-14%3

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-5%4

3-year return-18%2

5-year return+48%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+2%).

WATCH

Average long-term results. Multi-year returns are middling (-18% over three years and +48% over five), roughly average for the market.

It's down 5% over the past year, now 21% below its 52-week high. That is right in line with the market.

WEAKNESSES

The stock is underperforming over the past month (-11%) and so far this year (-14%).

BOTTOM LINE

Weak Tape

04Value

Are you paying a fair price for it?

Stop guessing on Bank Negara (BNI). Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community