PT Bank Nationalnobu Tbk.

nobu

-3.31%

Overview

NOBU Overview

PT Bank Nationalnobu Tbk is an Indonesia-based commercial bank that primarily concentrates its business operations on the micro, small and medium enterprises (MSME) segment. Its savings products include Nobu Junior, Nobu Savings, Nobu Payroll, Nobu Savings Plus, Nobu Giro, and Nobu Deposito. Its foreign exchange products include Nobu Giro Dollar, Nobu Savings Dollar, and Nobu Deposits Dollar. It provides Internet banking, which offers various services, such as balance inquiries, check accounts mutation; overbooking within Nobu Bank accounts; online real time transfer; scheduled overbooking and transfer, and bills payment, such as utilities, television or Internet subscriptions, education, cellphone post-paid bills, credit card, phone bills, and health insurance. It offers various loans, such as working capital loans, investment loans, and consumer loans. It provides Nobu Savings and Investment Plan, which is a combination of a time savings product and a mutual fund investment product.

5101520ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: NOBU

Main
Market Cap.
IDR 5.46Trillion

~$341.17M USD

Industry
Banks
Sub-Industry
Banks
Sector
Financials
Sub-Sector

Valuation

NOBU Valuation Metrics

730

IDR
-3.3%

Closing Price on 2024-04-18

Price to Equity

41.10

P/E

At 41.10x P/E TTM, NOBU.JK is trading at a premium to its peers in the Banks sector (avg 13.2x).

Price to Book

1.66

P/B

At 1.66x P/B TTM, NOBU.JK is trading at a premium to its peers in the Banks sector (avg 0.8x).

Price to Sales

6.36

P/S

At 6.36x P/S TTM, NOBU.JK is trading at a premium to its peers in the Banks sector (avg 3.4x).

Valuing PT Bank Nationalnobu 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 PT Bank Nationalnobu Tbk. relative to other stocks in the Banks sector

Price/Cash Flow
-43.47x
Price/Forward Earnings
-
PEG Ratio
0.84x

Analyst Ratings

No analyst ratings available yet.

Last closing: IDR7302024-04-18
IDR 162.32

Considerably Lower Intrinsic Value: Analyst's intrinsic value is of NOBU is IDR162, which is 77% lower than NOBU's last closing price of IDR730 (as of 2024-04-18).

Valuation Recap of NOBU 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 41.10x is above the ID market average of 8.46x and is trading at a premium to peers in the Banks sector (13.24x). In fact, less than 25% of its peers trade at a higher P/E ratio than NOBU.

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 1.66x is above the peers average of 0.84x 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 6.36x is above the peers average of 3.43x in the Banks sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of NOBU'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. NOBU's P/CF ratio of -43.47x is considered healthy by analysts.

Medium
Considerably Lower Intrinsic Value: Analyst's intrinsic value is of NOBU is IDR 162.32, which is 77% lower than NOBU's last closing price of IDR 730.00.

Peers

NOBU 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.1,168.03T1,381.45T 98.47T 48.20T 24.234.95
BBRIPT Bank Rakyat Indonesia (Persero) Tbk825.58T1,851.96T 175.51T 56.01T 14.742.69
BMRIPT Bank Mandiri (Persero) Tbk634.67T2,007.16T 135.73T 49.58T 12.802.61
BBNIPT Bank Negara Indonesia (Persero) Tbk197.25T1,086.66T 61.51T 20.91T 9.431.31
BRISPT Bank Syariah Indonesia Tbk119.94T319.85T 19.34T 5.26T 22.823.23
SMMAPT Sinar Mas Multiartha Tbk92.97T106.59T 28.35T 1.10T 84.384.30
DNETPT Indoritel Makmur Internasional Tbk.65.53T20.71T 1.39T 0.72T 90.885.11
MEGABank Mega Tbk60.47T132.12T 7.81T 3.51T 17.222.78
BNGAPT Bank CIMB Niaga Tbk50.38T329.13T 18.53T 6.10T 8.261.07
BNLIBank Permata Tbk34.91T251.94T 11.63T 1.91T 18.270.89
Competitiveness Recap of NOBU stock
WeightNotesScore
High
At a market cap of IDR 5,459.26 billion, NOBU.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.

High
At a PE of 41.10, NOBU.JK ranks 3 out of 10 companies in the Financials sector for P/E value. The average PE is 32.59 (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 Indoritel Makmur Internasional Tbk. (90.88) in the Financials sector.

Medium
At a PE of 41.10, NOBU.JK is trading at a higher PE than that of its subsector peers in Banks (median of 13.24). false

Medium
At a revenue of IDR 0.86 trillion, NOBU.JK ranks 10 in Revenue out of 10 companies in the Financials sector.

Medium
At a profit of IDR 0.13 trillion, NOBU.JK ranks 10 in Profit out of 10 companies in the Financials sector.

Future

Future Growth of NOBU

Growth Forecasts

No data available

Sector Benchmark

Banks companies in Indonesia are growing at a projected rate of 14.60% against the IDX average of +7.6%.

Banks sector overview
No data is available for NOBU at the moment.
Future growth prospect of NOBU
WeightNotesScore
High
NOBU's projected growth rate of 14.60% is above the ID market average of 7.62%.

High
The Banks sub-sector is projected to grow revenue by 33.55% in 2024. This number is higher than the previous year 2023's growth rate of 13.79%. This bodes well for NOBU's revenue growth prospects in the next 2 years.

Medium
The Banks sub-sector is projected to increase earnings by 72.75% in 2024. This number is higher than the previous year 2023's EPS growth of 33.02%. This bodes well for NOBU's earnings growth prospects in the next 2 years.

Medium
NOBU 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 2024. Specifically, earnings are projected to increase by 72.75% in 2024 while revenue growth is projected to increase by 34.06%. These macroeconomic trends will likely be a tailwind for NOBU's earnings growth prospects in the next 2 years.

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Management

Executive Management

President Director

Suhaimin Djohan15.2 years
Januar Angkawidjaja
Director
Hendra Kurniawan
Director
Andrian Meirawan Saputra
Director
NamePositionShares%
No data is available for NOBU at the moment.
Expressed in millions IDR, unless otherwise stated

Ownership

NOBU Ownership

Others
23.35%
Insiders
76.54%
Institutions
0.11%
NameNumber of SharesOwnership (%)Value
Pt Putera Mulia Indonesia1,792,267,96223.971,308.36B
Pt Prima Cakrawala Sentosa1,545,395,40220.661,128.14B
Pt Star Pacific Tbk1,000,670,72113.38730.49B
Public (Scripless)867,298,99311.61633.13B
Pt Matahari Departement Store Tbk728,000,0009.73531.44B
Pt Inti Anugerah Pratama 600,071,1218.02438.05B
Ocbc Securities Pte Ltd -Client A/C516,348,7006.9376.93B
Nomura Securities Co Ltd A/C Client428,391,0005.73312.73B
No data is available for NOBU at the moment.