PT Bank Mandiri (Persero) Tbk (PPERY) AI Stock Analysis

• Market Cap: $27.66B
• Dividend Yield: 9.15%
• Average Volume (3M): 1.71K
• Price to Earnings (P/E): 8.0
• Beta (1Y): 0.49
• Revenue Growth: 7.52%
• EPS Growth: -2.24%
• Country: US
• Employees: 38,731
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 0.17
• Shares Outstanding: 2,310,000,000
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 1,708
• PEG Ratio: 0.24
• Price to Book (P/B): 2.01
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -4.35
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• 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 Business Overview & Revenue Model

Company Description

PT 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 Money

Bank 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.

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.

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.

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	91.99T
	Gross Profit
10.00T>	10.00T>	10.00T>	10.00T>	99.50T	91.99T
	EBIT
79.02T	78.62T	72.61T	64.03T	52.07T	33.10T
	EBITDA
42.07T	0.00	79.25T	60.89T	41.92T	28.33T
	Net Income Common Stockholders
56.28T	55.78T	55.06T	41.17T	28.03T	16.80T
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
10.00T>	10.00T>	63.01T	10.00T>	10.00T>	10.00T>
	Total Assets
10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
	Total Debt
0.00	0.00	10.00T>	10.00T>	94.43T	88.42T
	Net Debt
-10.00T>	-10.00T>	-10.00T>	-10.00T>	-10.00T>	-10.00T>
	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
-10.00T>	-88.10T	-10.00T>	-10.00T>	-20.07T	-20.17T
	Operating Cash Flow
-10.00T>	-79.56T	-10.00T>	-10.00T>	-17.79T	-17.36T
	Investing Cash Flow
18.42T	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

• Technical Analysis Sentiment: Negative
• Last Price: 11.94
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 11.94 is below the 20-day moving average (MA) of 12.65, below the 50-day MA of 12.19, and below the 200-day MA of 13.57, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 37.11 is Neutral, neither overbought nor oversold. The STOCH value of -0.03 is Positive, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KB	78 Outperform	$27.54B	7.48	10.66%	2.70%	-3.00%	32.85%
PPERY	76 Outperform	$27.66B	7.98	22.96%	9.15%	7.52%	-2.24%
ITUB	74 Outperform	$67.63B	9.43	20.65%	8.22%	-6.74%	5.13%
BBDO	74 Outperform	$29.66B	8.50	10.61%	1.31%	-9.78%	28.44%
BBD	70 Outperform	$29.66B	9.62	10.61%	1.29%	-9.78%	27.43%
BSBR	70 Outperform	$19.98B	16.58	10.89%	5.09%	-3.94%	31.52%
Sector *	60 Neutral	C$14.28B	5.27	20.17%	6.06%	26.91%	-38.39%