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PT Bank Mandiri (Persero) Tbk (PPERY)
OTHER OTC:PPERY
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PT Bank Mandiri (Persero) Tbk
(OTC:PPERY)
65Neutral
PT Bank Mandiri (Persero) Tbk (PPERY) vs. S&P 500 (SPY)
Market Cap
$26.51B
Dividend Yield5.64%
Average Volume (3M)176.10K
Price to Earnings (P/E)7.9
Beta (1Y)0.43
Revenue Growth9.07%
EPS Growth-2.23%
CountryUS
Employees38,229
SectorFinancial
Sector Strength77
IndustryBanking
Share Statistics
EPS (TTM)1.51
Shares Outstanding2,310,000,000
10 Day Avg. Volume181,655
30 Day Avg. Volume176,105
Financial Highlights & Ratios
PEG Ratio0.74
Price to Book (P/B)N/A
Price to Sales (P/S)4.11
Price to Cash Flow (P/CF)N/A
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
PT Bank Mandiri (Persero) Tbk Business Overview & Revenue Model
Company DescriptionPT Bank Mandiri (Persero) Tbk, commonly referred to as Bank Mandiri, is Indonesia's largest financial institution in terms of assets, loans, and deposits. Headquartered in Jakarta, the bank operates in the financial services industry, providing a wide range of products and services including consumer banking, corporate banking, treasury, and capital market services. Established in 1998 as a result of the merger of four state-owned banks, Bank Mandiri serves both individual and corporate clients through its extensive network of branches, ATMs, and digital banking platforms.
How the Company Makes MoneyBank Mandiri generates revenue primarily through the interest income from loans provided to individual and corporate clients. The bank offers various loan products, such as consumer loans, mortgages, and business loans, which contribute significantly to its earnings. In addition to interest income, Bank Mandiri earns money through fees and commissions from services like wealth management, trade finance, and remittances. The bank also engages in treasury operations, including securities trading and foreign exchange transactions, which provide additional revenue streams. Strategic partnerships with other financial institutions and technological investments in digital banking enhance its service offerings and customer reach, further supporting its profitability.
PT Bank Mandiri (Persero) Tbk Financial Statement Overview
Summary
PT Bank Mandiri (Persero) Tbk exhibits strong financial health with robust profitability and equity utilization. Despite the negative cash flow figures, the company's ability to maintain strong profit margins and eliminate debt position it favorably in the banking industry.Income Statement
PT Bank Mandiri (Persero) Tbk shows a strong income statement with a significant revenue growth rate of 30.4% from 2023 to TTM and a robust net profit margin of 34.4% in TTM. The EBIT margin is healthy at 36.1%, and the EBITDA margin is also strong at 37.5% for TTM. Overall, the company demonstrates solid profitability and growth.85
Very Positive
Balance Sheet
The balance sheet of PT Bank Mandiri (Persero) Tbk is notably strong, with no total debt in TTM, which indicates a solid financial position. The equity ratio is stable at 11.7%, and the return on equity (ROE) is impressive at 19.7%. This reflects strong financial health and efficient use of equity.92
Very Positive
Cash Flow
The cash flow statement reveals challenges, with negative free cash flow growth and negative operating cash flow in TTM. However, the company maintains a strong free cash flow to net income ratio, highlighting effective cash management despite the negative figures.70
Positive
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 10.00T> | 10.00T> | 10.00T> | 10.00T> | 91.99T | Gross Profit |
| 10.00T> | 10.00T> | 10.00T> | 10.00T> | 91.99T | EBIT |
| 0.00 | 74.71T | 52.60T | 35.84T | 22.77T | EBITDA |
| 0.00 | 79.25T | 0.00 | 0.00 | 0.00 | Net Income Common Stockholders |
| 55.78T | 55.06T | 41.17T | 28.03T | 16.80T |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 10.00T> | 63.01T | 10.00T> | 10.00T> | 10.00T> | Total Assets |
| 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | Total Debt |
| 0.00 | 10.00T> | 10.00T> | 94.43T | 88.42T | Net Debt |
| -10.00T> | -10.00T> | -10.00T> | -10.00T> | -89.64T | Total Liabilities |
| 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | Stockholders Equity |
| 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash Flow | Free Cash Flow | |||
| -88.10T | -10.00T> | 93.50T | 10.00T> | 96.84T | Operating Cash Flow |
| -79.56T | -10.00T> | 10.00T> | 10.00T> | 10.00T> | Investing Cash Flow |
| 17.73T | 16.01T | -42.64T | -10.00T> | -33.31T | Financing Cash Flow |
| 57.85T | 10.00T> | 10.00T> | 10.00T> | -16.47T |
PT Bank Mandiri (Persero) Tbk Technical Analysis
Negative
11.56
Price Trends
13.34
Negative
14.82
Negative
15.81
Negative
Market Momentum
-0.53
Negative
37.40
Neutral
62.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPERY, the sentiment is Negative. The current price of 11.56 is below the 20-day moving average (MA) of 12.06, below the 50-day MA of 13.34, and below the 200-day MA of 15.81, indicating a bearish trend. The MACD of -0.53 indicates Negative momentum. The RSI at 37.40 is Neutral, neither overbought nor oversold. The STOCH value of 62.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PPERY.
PT Bank Mandiri (Persero) Tbk Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $78.59B | 7.57 | 18.77% | 4.33% | 10.29% | 28.54% | |
77 Outperform | $97.73B | 8.10 | 13.16% | 2.35% | 11.61% | 24.35% | |
73 Outperform | $13.53B | 10.49 | 21.96% | 4.65% | -19.01% | -13.44% | |
70 Outperform | $20.06B | 6.87 | 10.44% | 1.58% | -8.06% | 3.79% | |
66 Neutral | $16.15B | ― | 11.61% | 4.98% | -3.94% | ― | |
65 Neutral | $26.51B | 7.89 | 20.44% | 5.64% | 9.07% | -2.23% | |
64 Neutral | $13.80B | 10.64 | 9.23% | 4.22% | 17.66% | -7.66% |
* Financial Sector Average
Performance Comparison
PPERY
PT Bank Mandiri (Persero) Tbk
11.56
-6.03
-34.28%
BBVA
Banco Bilbao
13.74
3.15
29.75%
BBD
Banco Bradesco SA
2.00
-0.67
-25.09%
BCH
Banco De Chile
26.88
4.63
20.81%
BSBR
Banco Santander Brasil
4.35
-1.13
-20.62%
SAN
Banco Santander SA
6.39
2.12
49.65%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.