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Mochamad Aufa
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Large banks

BMRI

Bank Mandiri (Persero)

FairPBV between 1x and 2x.

This is an educational tool, not a recommendation to buy, sell or hold any stock. Figures come from Yahoo Finance automatically and can be late or wrong; check the official filings before deciding anything.

Data as of · Yahoo Finance

01

Net assets

Equity (net assets)
Rp293T
Shares outstanding
92.8 billion
Net assets per share
Rp3,150
Price
Rp3,700
PBV
1.17x

Price is 17% above net assets.

02

Earning power

Trailing 12-month net profit
Rp63.5T
Earnings per share (EPS)
Rp683
Price
Rp3,700
PER
5.41x

You pay 5.41x a year's earnings per share. Peer median: 6.88x.

03

ROE: is the premium earned?

Return on equity (ROE)
21.8%
PBV justified by ROE
1.81x
PBV
1.17x

A PBV of 1.17x is not yet a premium (≤ 2x), so ROE has nothing to justify.

04

Cash

Cash & equivalents
Rp214T
Total debt
Rp335T
Net cash (cash − debt)
-Rp121T
Cash per share
Rp2,301
Market cap
Rp344T
Cash ÷ market cap
62%

For banks, cash and debt are the product itself, so the cash and debt rules are skipped.

05

Red flags

No red flags under the rules on this page.

Positive signs

  • Dividend yield 14.6%.

Free float 45.3% (estimate). Free float marked * is estimated from Yahoo's insider holdings, not the official IDX figure.

06

Against peers

Price if PBV = peer median
Rp4,158
1.32x → 12% vs Rp3,700
Price if PER = peer median
Rp4,702
6.88x → 27% vs Rp3,700

A rough calculation from the other stocks in the group, not a price target.

Middle range: PBV 1.06x – 1.53x · PER 5.77x – 7.74x

StockPBVPERROEDiv. yieldCategory
BBCA2.16x10.3x21%7.6%Earned premium
BBRI1.32x6.88x19%14.9%Fair
BMRI1.17x5.41x22%14.6%Fair
BBNI0.72x5.89x12%10.5%Discount
Group median1.25x6.38x