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PT Bank Negara Indonesia (Persero) Tbk PBNNF

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0.24 USD 0.00 (+0.00%)

At closeNov 3, 2026, 4:00 PM EST

0.1972 Day range 0.35
0.1972 52-week range 0.35
YTD
+18.64%
1 year
+21.70%

Financial health

Altman Z-Score

-0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 5

Valuation

P/E 3.8×
FY 2016: 50.3×FY 2017: 42.4×FY 2018: 38.1×FY 2019: 38.4×FY 2020: 156×FY 2021: 41.0×FY 2022: 41.2×FY 2023: 38.4×FY 2024: 6.3×FY 2025: 3.8×
FY 2016 5y median 38.4× FY 2025
P/S 0.8×
FY 2016: 10.0×FY 2017: 9.1×FY 2018: 8.3×FY 2019: 7.9×FY 2020: 7.0×FY 2021: 6.5×FY 2022: 10.1×FY 2023: 9.8×FY 2024: 2.2×FY 2025: 0.8×
FY 2016 5y median 6.5× FY 2025
P/B 0.4×
FY 2016: 6.5×FY 2017: 5.8×FY 2018: 5.3×FY 2019: 4.8×FY 2020: 4.6×FY 2021: 3.6×FY 2022: 5.6×FY 2023: 5.3×FY 2024: 0.8×FY 2025: 0.4×
FY 2016 5y median 3.6× FY 2025
P/FCF 3.4×
FY 2016: 41.3×FY 2017: 18.2×FY 2018: -92.0×FY 2019: -40.8×FY 2020: 7.0×FY 2021: 4.7×FY 2022: 43.1×FY 2023: 99.9×FY 2024: -2.0×FY 2025: 3.4×
FY 2016 5y median 4.7× FY 2025
EV/EBITDA 0.5×
FY 2016: 34.4×FY 2017: 28.7×FY 2018: 24.3×FY 2019: 25.0×FY 2020: 55.2×FY 2021: 22.1×FY 2022: 25.8×FY 2023: 24.7×FY 2024: 0.0×FY 2025: 0.5×
FY 2016 5y median 22.1× FY 2025
EV/Sales 0.1×
FY 2016: 9.2×FY 2017: 8.3×FY 2018: 7.4×FY 2019: 6.9×FY 2020: 5.9×FY 2021: 4.7×FY 2022: 8.6×FY 2023: 8.5×FY 2024: 1.6×FY 2025: 0.1×
FY 2016 5y median 4.7× FY 2025
FCF Yield 29.8%
FY 2016: 2.4%FY 2017: 5.5%FY 2018: -1.1%FY 2019: -2.5%FY 2020: 14.3%FY 2021: 21.4%FY 2022: 2.3%FY 2023: 1.0%FY 2024: -48.9%FY 2025: 29.8%
FY 2016 5y median 2.3% FY 2025

Profitability

Gross Margin 57.7%
FY 2016: 77.4%FY 2017: 75.8%FY 2018: 74.3%FY 2019: 72.1%FY 2020: 75.0%FY 2021: 83.0%FY 2022: 82.1%FY 2023: 75.3%FY 2024: 100.0%FY 2025: 57.7%
FY 2016 5y median 82.1% FY 2025
Operating Margin 26.5%
FY 2016: 25.1%FY 2017: 27.1%FY 2018: 28.8%FY 2019: 25.8%FY 2020: 7.1%FY 2021: 18.2%FY 2022: 30.4%FY 2023: 31.4%FY 2024: 44.0%FY 2025: 26.5%
FY 2016 5y median 30.4% FY 2025
Net Margin 21.8%
FY 2016: 19.9%FY 2017: 21.5%FY 2018: 21.8%FY 2019: 20.5%FY 2020: 4.5%FY 2021: 15.8%FY 2022: 24.5%FY 2023: 25.6%FY 2024: 34.6%FY 2025: 21.8%
FY 2016 5y median 24.5% FY 2025
ROE 11.7%
FY 2016: 13.0%FY 2017: 13.8%FY 2018: 13.9%FY 2019: 12.6%FY 2020: 3.0%FY 2021: 8.8%FY 2022: 13.5%FY 2023: 13.9%FY 2024: 13.2%FY 2025: 11.7%
FY 2016 5y median 13.2% FY 2025
ROIC 1.5%
FY 2016: 7.4%FY 2017: 7.8%FY 2018: 7.1%FY 2019: 7.2%FY 2020: 1.7%FY 2021: 5.0%FY 2022: 7.6%FY 2023: 8.2%FY 2024: 7.4%FY 2025: 1.5%
FY 2016 5y median 7.4% FY 2025
ROA 1.5%
FY 2016: 1.9%FY 2017: 1.9%FY 2018: 1.9%FY 2019: 1.8%FY 2020: 0.4%FY 2021: 1.1%FY 2022: 1.8%FY 2023: 1.9%FY 2024: 1.9%FY 2025: 1.5%
FY 2016 5y median 1.8% FY 2025

Growth (YoY)

Revenue 48.5%
FY 2016: 22.3%FY 2017: 11.1%FY 2018: 8.4%FY 2019: 9.2%FY 2020: -3.5%FY 2021: -5.0%FY 2022: 8.5%FY 2023: 9.6%FY 2024: -24.2%FY 2025: 48.5%
FY 2016 FY 2025
Operating Income -10.6%
FY 2016: 24.7%FY 2017: 20.0%FY 2018: 15.5%FY 2019: -2.3%FY 2020: -73.6%FY 2021: 145.5%FY 2022: 80.8%FY 2023: 13.0%FY 2024: 6.4%FY 2025: -10.6%
FY 2016 FY 2025
EPS (diluted) 56.0%
FY 2016: 25.3%FY 2017: 19.7%FY 2018: 10.3%FY 2019: 2.5%FY 2020: -78.7%FY 2021: 232.3%FY 2022: 67.9%FY 2023: 14.2%FY 2024: 2.6%FY 2025: 56.0%
FY 2016 FY 2025
Free Cash Flow 134.0%
FY 2016: -35.2%FY 2017: 129.5%FY 2018: -119.6%FY 2019: -132.5%FY 2020: 604.6%FY 2021: 31.0%FY 2022: -81.7%FY 2023: -54.1%FY 2024: -925.2%FY 2025: 134.0%
FY 2016 FY 2025

Financial Health

Current Ratio 3.6×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 3.6×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 3.6×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 3.6×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.5×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA -2.3×
FY 2016: -3.0×FY 2017: -2.9×FY 2018: -2.9×FY 2019: -3.4×FY 2020: -11.2×FY 2021: -8.6×FY 2022: -4.5×FY 2023: -4.0×FY 2024: 0.0×FY 2025: -2.3×
FY 2016 5y median -4.0× FY 2025
Interest Coverage 0.8×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 1.1×FY 2019: 0.9×FY 2020: 0.3×FY 2021: 1.1×FY 2022: 1.7×FY 2023: 1.3×FY 2024: 1.0×FY 2025: 0.8×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 18.5%
FY 2016: 0.4%FY 2017: 0.7%FY 2018: 0.8%FY 2019: 0.6%FY 2020: 0.8%FY 2021: 0.2%FY 2022: 0.4%FY 2023: 0.9%FY 2024: 7.7%FY 2025: 18.5%
FY 2016 5y median 0.9% FY 2025
Payout Ratio 69.6%
FY 2016: 20.0%FY 2017: 29.1%FY 2018: 31.7%FY 2019: 24.4%FY 2020: 117.2%FY 2021: 7.5%FY 2022: 14.9%FY 2023: 35.0%FY 2024: 48.7%FY 2025: 69.6%
FY 2016 5y median 35.0% FY 2025

Annual · latest fiscal year ends 2025-12-31