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PT Bank Mandiri (Persero) Tbk (BMRI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

PT Bank Mandiri (Persero) Tbk

BMRIMarket cap $21BPrice $0.2

Country🇮🇩Indonesia

SectorFinancials

IndustryBanks

Runs Indonesia's largest bank by assets, serving over 30 million customers through corporate lending, retail banking, and a sprawling digital ecosystem. State-owned and systemically vital, it's the financial backbone behind Indonesia's biggest infrastructure and trade deals.

In Bastion Portfolios?

52W Return+3%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+6%–

Rev CAGR (5y)+5%4

Earnings Forecast

EPS Growth Y+1-4%3

EPS Growth Y+2+6%5

EPS Growth Y+3+7%6

Quality

Margins

EBIT Margin0%8

Net Income Margin43%10

Free Cash Flow Margin-208%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE23%8

ROA3%4

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)610

P/E Ratio (Forward 3y)610

P/BV1.38

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-6%5

3 month return+5%8

YTD return-9%4

Mid term

Price vs 52wHigh83%6

1 year return+9%6

Long term

3 year return-11%2

5 year return+71%7

Risk Shield

Price Risk

Beta0.48

Volatility32%6

Free Cash Flow

Free Cash Flow Margin-208%1

Free Cash Flow Yield0.0%10

Quality

ROCE14%4

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

BMRIPT Bank Mandiri (Persero) Tbk

Revenue FY25$8.7B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-4%3

EPS growth, FY27E+6%5

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 6%/yr.

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 6%/yr). One year dips: EPS falls 4% next year.

WEAKNESSES

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

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

BMRIPT Bank Mandiri (Persero) Tbk

Total return Current57.8%

Price return Current5.4%

MOMENTUM RATING↗

AVERAGE53 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%5

3-month return+5%8

YTD return-9%4

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+9%6

3-year return-11%2

5-year return+71%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+5%).

WATCH

Average long-term results. Multi-year returns are middling (-11% over three years and +71% over five), roughly average for the market.

It's up 9% over the past year, but 17% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-6%) and so far this year (-9%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Bank Mandiri. 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?

BMRIPT Bank Mandiri (Persero) Tbk

Revenue FY25$8.7B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-4%3

EPS growth, FY27E+6%5

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 6%/yr.

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 6%/yr). One year dips: EPS falls 4% next year.

WEAKNESSES

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

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

BMRIPT Bank Mandiri (Persero) Tbk

Total return Current57.8%

Price return Current5.4%

MOMENTUM RATING↗

AVERAGE53 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%5

3-month return+5%8

YTD return-9%4

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+9%6

3-year return-11%2

5-year return+71%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+5%).

WATCH

Average long-term results. Multi-year returns are middling (-11% over three years and +71% over five), roughly average for the market.

It's up 9% over the past year, but 17% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-6%) and so far this year (-9%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Bank Mandiri. 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