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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
$26.10B
Dividend Yield9.25%
Average Volume (3M)7.95K
Price to Earnings (P/E)8.4
Beta (1Y)0.46
Revenue Growth6.16%
EPS Growth-14.21%
CountryUS
Employees38,731
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.34
Shares Outstanding2,310,000,000
10 Day Avg. Volume6,724
30 Day Avg. Volume7,946
Financial Highlights & Ratios
PEG Ratio7.07
Price to Book (P/B)1.82
Price to Sales (P/S)3.84
P/FCF Ratio-5.88
Enterprise Value/Market Cap1.38
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
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
PT Bank Mandiri (Persero) Tbk Business Overview & Revenue Model
Company DescriptionPT Bank Mandiri (Persero) Tbk provides various banking products and services to individuals and businesses in Indonesia, Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, the United Kingdom, and the Cayman Islands. It offers savings and current accounts, time deposits, demand deposits, and foreign currency savings and current accounts; motorcycle loans, mortgage loan, and housing loans, as well as loans for various purposes, such as education, home renovation, marriage, health, and other needs for individuals; and working capital loans, investment loans, people's business loans, syndicated loans, and micro business loans for businesses. The company also provides investment products comprising mutual funds, stocks, and bond trading; life, health, and general insurance products; credit, debit, and corporate cards; e-banking services; digital lending; cash management services; trade finance services, value chain, supply chain management, global and domestic trade, export and import, standby letter of credit, and bank guarantee, as well as spot and forex services; custodial services; treasury services, including cash transaction/liquidity, hedging, and investment products; trust services comprising trustee, paying agent, security agent, escrow agent, monitoring agent, and receiving bank services; and money transfer, remittance services, and venture capital financing. As of 31 December 2021, it operated 2,609 branches, including 137 branch offices, 2,465 sub-branch offices, and 7 overseas branch offices; and 13,087 ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.
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 | 38.77T | 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 | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Total Debt | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 94.43T | 89.54T |
| 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
Positive
11.86
Price Trends
10.83
Positive
11.19
Positive
11.45
Positive
Market Momentum
0.25
Negative
67.02
Neutral
99.73
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPERY, the sentiment is Positive. The current price of 11.86 is above the 20-day moving average (MA) of 11.38, above the 50-day MA of 10.83, and above the 200-day MA of 11.45, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 67.02 is Neutral, neither overbought nor oversold. The STOCH value of 99.73 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 | $26.10B | 8.36 | 20.95% | 9.25% | 6.16% | -14.21% | |
71 Outperform | $34.12B | 9.82 | 11.78% | 1.80% | 5.89% | 34.68% | |
70 Outperform | $29.79B | 7.68 | 9.99% | 2.27% | -4.64% | 24.98% | |
70 Outperform | $24.78B | 7.81 | 8.58% | 3.01% | -4.88% | 4.84% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $22.78B | 21.60 | 9.34% | 5.47% | 1.13% | -11.93% | |
63 Neutral | $12.85B | 5.99 | 9.61% | 3.42% | -2.90% | 16.10% |
* Financial Sector Average
PPERY
PT Bank Mandiri (Persero) Tbk
11.86
-3.50
-22.79%
BBD
Banco Bradesco SA
3.48
1.29
58.90%
BSBR
Banco Santander Brasil
6.14
1.77
40.50%
KB
Kb Financial Group
82.90
13.14
18.84%
SHG
Shinhan Financial Group Co
52.77
12.73
31.79%
WF
Woori Finance Holdings Co
53.51
17.60
49.01%
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.