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PT Bank Mandiri (Persero) Tbk (PPERY)
OTHER OTC:PPERY
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PT Bank Mandiri (Persero) Tbk
(OTC:PPERY)
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Rating:76Outperform
Price Target:―
PT Bank Mandiri (Persero) Tbk is in a strong financial position with robust income growth and profitability, supported by an impressive balance sheet with no debt. However, technical indicators suggest caution due to bearish trends. The stock's valuation is attractive, with a low P/E ratio and high dividend yield, enhancing its appeal. Overall, the stock is a solid investment opportunity with some technical risks.
PT Bank Mandiri (Persero) Tbk (PPERY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$22.58B
Dividend Yield10.57%
Average Volume (3M)7.95K
Price to Earnings (P/E)6.8
Beta (1Y)0.45
Revenue Growth9.56%
EPS Growth-7.45%
CountryUS
Employees38,731
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding2,310,000,000
10 Day Avg. Volume6,724
30 Day Avg. Volume7,946
Financial Highlights & Ratios
PEG Ratio0.18
Price to Book (P/B)0.05
Price to Sales (P/S)0.10
P/FCF Ratio-0.15
Enterprise Value/Market Cap1.59
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 (PPERY) is one of Indonesia's largest and leading financial institutions, providing a comprehensive range of banking products and services. The bank operates in the financial services sector, offering retail banking, corporate banking, and treasury services. Its core products include savings and checking accounts, loans, credit cards, investment products, and wealth management services. Bank Mandiri serves a diverse clientele, including individuals, small to medium-sized enterprises (SMEs), and large corporations, maintaining a strong presence across Indonesia and expanding its reach through digital banking innovations.
How the Company Makes MoneyBank Mandiri generates revenue primarily through interest income from its lending activities, which include personal loans, mortgages, and corporate loans. Additionally, the bank earns from non-interest income sources such as fees and commissions from services like wealth management, insurance brokerage, and transaction processing. The bank's treasury operations also contribute to its earnings through trading and investment activities. Key partnerships with financial technology companies and collaborations with other financial institutions enhance its service offerings and expand its customer base, further boosting its revenue streams.
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 | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 99.50T | 70.27T |
| Gross Profit | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 99.50T | 70.27T |
| EBITDA | 21.87T | 0.00 | 79.25T | 60.89T | 41.92T | 28.33T |
| Net Income | 53.69T | 55.78T | 55.06T | 41.17T | 28.03T | 16.80T |
Balance Sheet | ||||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 10.00T> | 63.01T | 10.00T> | 10.00T> | 10.00T> |
| Total Debt | 10.00T> | 10.00T> | 93.96T | 10.00T> | 61.04T | 62.68T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
Cash Flow | ||||||
| Free Cash Flow | -75.12T | -88.10T | -10.00T> | -10.00T> | -20.07T | -20.17T |
| Operating Cash Flow | -67.81T | -79.56T | -10.00T> | -10.00T> | -17.79T | -17.36T |
| Investing Cash Flow | 2.97T | 17.73T | 16.01T | -41.89T | -10.00T> | -41.56T |
| Financing Cash Flow | 10.00T> | 57.85T | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
PT Bank Mandiri (Persero) Tbk Technical Analysis
Neutral
10.38
Price Trends
10.99
Negative
11.47
Negative
11.69
Negative
Market Momentum
-0.26
Negative
48.45
Neutral
27.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPERY, the sentiment is Neutral. The current price of 10.38 is above the 20-day moving average (MA) of 10.32, below the 50-day MA of 10.99, and below the 200-day MA of 11.69, indicating a neutral trend. The MACD of -0.26 indicates Negative momentum. The RSI at 48.45 is Neutral, neither overbought nor oversold. The STOCH value of 27.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PPERY.
PT Bank Mandiri (Persero) Tbk Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $22.58B | 6.83 | 20.95% | 10.57% | 9.56% | -7.45% | |
71 Outperform | $31.89B | 9.66 | 11.76% | 1.81% | -4.58% | 39.03% | |
70 Outperform | $19.51B | 19.17 | 9.43% | 5.65% | -3.77% | -10.59% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $13.00B | 6.84 | 8.90% | 3.33% | -3.55% | 1.59% | |
65 Neutral | $24.79B | 8.00 | 8.58% | 2.22% | -3.83% | 4.06% | |
62 Neutral | $29.18B | 7.64 | 10.14% | 2.32% | -3.11% | 28.74% |
* Financial Sector Average
PPERY
PT Bank Mandiri (Persero) Tbk
10.38
-6.84
-39.72%
BBD
Banco Bradesco SA
3.38
0.89
35.74%
BSBR
Banco Santander Brasil
5.44
0.64
13.33%
KB
Kb Financial Group
82.79
15.68
23.36%
SHG
Shinhan Financial Group Co
52.93
12.51
30.95%
WF
Woori Finance Holdings Co
54.84
19.23
54.00%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.