Bank Permata Tbk

BNLI

Overview

BNLI Overview

PT Bank Permata Tbk is an Indonesia-based company, which offers comprehensive banking products and services. The Company operates through four segments: Retail banking, Wholesale banking, Treasury, and Others. The Retail Banking segment provides a range of products and services, including savings products, customer loans (mortgage, credit card, personal loan and automotive financing, consumer durable goods, and multipurpose financing through various indirect consumer financing schemes), wealth management (mutual funds, bonds, and bancassurance), as well as Small and Medium Enterprise (SME) products, such as working capital financing, and trade, and cash management. The Wholesale Banking segment offers a range of products and services including cash management, trade finance, supply chain, business financing, treasury solutions, and capital markets solutions. Treasury segment offers withdrawal and deposit of foreign banknotes, interest rate swap, cross currency swap and more.

24681012ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: BNLI

Main
Market Cap.
IDR 32.74Trillion

~$2.05B USD

Industry
Banks
Sub-Industry
Banks
Sector
Financials
Sub-Sector

Valuation

BNLI Valuation Metrics

905

IDR
0.0%

Closing Price on 2024-05-22

Price to Equity

11.11

P/E

At 11.11x P/E TTM, BNLI.JK is trading at a discount to its peers in the Banks sector.

Price to Book

0.80

P/B

At 0.80x P/B TTM, BNLI.JK is trading in line with its peers in the Banks sector.

Price to Sales

2.74

P/S

At 2.74x P/S TTM, BNLI.JK is trading at a discount to its peers in the Banks sector.

Valuing Bank Permata Tbk based on its trailing twelve months (TTM) valuation metrics against its peers in the Banks sector

Historical Price to Earnings

Other Valuation Metrics

Valuing Bank Permata Tbk relative to other stocks in the Banks sector

Price/Cash Flow
-6.54x
Price/Forward Earnings
-
PEG Ratio
0.02x

Analyst Ratings

No analyst ratings available yet.

Last closing: IDR9052024-05-22
IDR 455.76

Considerably Lower Intrinsic Value: Analyst's intrinsic value is of BNLI is IDR456, which is 49% lower than BNLI's last closing price of IDR905 (as of 2024-05-22).

Valuation Recap of BNLI stock
WeightNotesScore
High
The P/E ratio is calculated by dividing the market price of a company's stock by its earnings per share (EPS). It is a key tool for investors and analysts to assess whether a stock is overvalued, undervalued, or fairly valued. A P/E ratio of 11.11x is above the ID market average of 8.70x and is trading at a discount to peers in the Banks sector (14.27x).

High
The P/B ratio is calculated by dividing the market price of a company's stock by its book value per share (BVPS). It measures the company's stock value relative to its assets minus liabilities. A P/B ratio of 0.80x is similar to the peers average of 0.79x in the Banks sector.

Medium
The P/S ratio is calculated by dividing the market price of a company's stock by its sales per share. It measures the company's stock value relative to its sales. A P/S ratio of 2.74x is below the peers average of 3.78x in the Banks sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of BNLI's valuation relative to its current sales and future earnings growth.

Low
The Price/Cash Flow ratio (P/CF) is calculated by dividing the market price of a company's stock by its cash flow per share. It measures the company's stock value relative to its cash flow, and is sometimes said to be a more objective measure of a company's value because cash flows cannot be manipulated as easily as earnings, which considers non-cash items such as depreciation and amortization. BNLI's P/CF ratio of -6.54x is considered healthy by analysts.

Medium
Considerably Lower Intrinsic Value: Analyst's intrinsic value is of BNLI is IDR 455.76, which is 49% lower than BNLI's last closing price of IDR 905.00.

Peers

BNLI Peers and Comparison

Peer Companies

Supertype Fuzzy Search
SymbolCompany Name
Market Cap
(in Trillion IDR)
Total Assets
(in Trillion IDR)
Total Revenue
(in Trillion IDR)
Profit and Loss
(in Trillion IDR)
P/E
P/B
BBCAPT Bank Central Asia Tbk.1,161.87T1,408.11T 101.91T 48.64T 23.894.79
BBRIPT Bank Rakyat Indonesia (Persero) Tbk711.73T1,989.07T 178.91T 59.88T 11.892.43
BMRIPT Bank Mandiri (Persero) Tbk564.67T2,174.22T 133.10T 55.06T 10.262.16
BBNIPT Bank Negara Indonesia (Persero) Tbk177.30T1,066.72T 60.27T 21.08T 8.411.22
BRISPT Bank Syariah Indonesia Tbk107.48T357.90T 19.39T 5.91T 18.192.65
SMMAPT Sinar Mas Multiartha Tbk90.42T116.18T 25.19T 0.45T 202.083.86
DNETPT Indoritel Makmur Internasional Tbk.66.52T20.71T 1.39T 0.72T 92.265.19
MEGABank Mega Tbk59.88T126.53T 7.85T 3.60T 16.643.00
BNGAPT Bank CIMB Niaga Tbk45.89T332.99T 19.03T 6.58T 6.970.90
ARTOPT Bank Jago Tbk.33.12T22.50T 1.69T 0.07T 459.943.95
Competitiveness Recap of BNLI stock
WeightNotesScore
High
At a market cap of IDR 32,744.08 billion, BNLI.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.

High
At a PE of 11.11, BNLI.JK ranks 7 out of 10 companies in the Financials sector for P/E value. The average PE is 40.17 (unadjusted). A high P/E ratio often indicates higher growth expectation, or other qualitative factors that led investors to believe that the company has a defensible competitive advantage compared to its peers in Financials. In this regard, it trails behind sector leaders such as PT Sinar Mas Multiartha Tbk (202.08) in the Financials sector.

Medium
At a PE of 11.11, BNLI.JK is trading at a lower PE than that of its subsector peers in Banks (median of 14.27). A lower P/E value presents a potential value opportunity, but it might also indicate that the company is facing headwinds in its business.

Medium
At a revenue of IDR 11.97 trillion, BNLI.JK ranks 8 in Revenue out of 10 companies in the Financials sector.

Medium
At a profit of IDR 2.95 trillion, BNLI.JK ranks 8 in Profit out of 10 companies in the Financials sector.

Future

Future Growth of BNLI

Growth Forecasts

No data available

Sector Benchmark

Banks companies in Indonesia are growing at a projected rate of 18.72% against the IDX average of +13.8%.

Banks sector overview
No data is available for BNLI at the moment.
Future growth prospect of BNLI
WeightNotesScore
High
BNLI's projected growth rate of 18.72% is above the ID market average of 13.80%.

High
The Banks sub-sector is projected to grow revenue by 19.92% in 2025. This number is lower than the previous year 2024's growth rate of 32.22%. This bodes well for BNLI's revenue growth prospects in the next 2 years.

Medium
The Banks sub-sector is projected to increase earnings by 18.44% in 2025. This number is lower than the previous year 2024's EPS growth of 31.44%. This bodes well for BNLI's earnings growth prospects in the next 2 years.

Medium
BNLI and its peers in the Banks sub-sector belongs to the Financials sector. Companies in the Financials sector are projected to have a fruitful year heading into 2025. Specifically, earnings are projected to increase by 18.41% in 2025 while revenue growth is projected to increase by 19.77%. These macroeconomic trends will likely be a headwind for BNLI's earnings growth prospects in the next 2 years.

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Management

Executive Management

President Director

Meliza Musa Rusli15.2 years
Abdy Dharma Salimin
Director
Dhien Tjahajani
Director
Herwin Bustaman
Director
Djumariah Tenteram
Director
Dayan Sadikin
Director
Setiatno Budiman
Director
Rudy Basyir Ahmad
Director
NamePositionShares%
No data is available for BNLI at the moment.
Expressed in millions IDR, unless otherwise stated

Ownership

BNLI Ownership

Others
0.2%
Insiders
1.01%
Institutions
98.79%
NameNumber of SharesOwnership (%)Value
Bangkok Bank Public Company Limited35,715,192,70198.7132,322.25B
Public (Scrip)363,620,8001329.08B
Public (Scripless)102,499,2810.2992.76B

Largest Institutional Buy

No data is available for BNLI at the moment.

Largest Institutional Sell

Pharus Management Lux S.A.
Sold 31-01-2024
-214,600 shares
SSGA Funds Management Inc
Sold 31-01-2024
-55,400 shares

Institutional Transactions

Tracking institutional transactions buying / selling of BNLI stock