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PT Bank Mandiri (Persero) Tbk PPERF

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Price alert · PPERF

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0.23 USD 0.00 -0.70%

As of Nov 2, 3:53 PM ET

0.2254 Day range 0.2254
0.2003 52-week range 0.3413
YTD
-33.43%
1 year
-13.31%
Open
0.2254
Prev close
0.227
Mkt cap
21.04B
Vol
100
Avg vol
194.40K
EPS
0.04
P/E
5.63
More statistics
Low
0.2254
High
0.2254
Earnings
Nov 3, 2026

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Financial health

Altman Z-Score

-0.35 Distress zone

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

Piotroski F-Score

8 / 9 Strong

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

FMP rating

S-5 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 5
  • P/B 5

Valuation

P/E 9.4×
FY 2016: 17.9×FY 2017: 15.3×FY 2018: 13.2×FY 2019: 12.8×FY 2020: 17.6×FY 2021: 12.1×FY 2022: 11.3×FY 2023: 10.3×FY 2024: 9.4×FY 2025: 9.4×
FY 2016 5y median 10.3× FY 2025
P/S 2.6×
FY 2016: 2.7×FY 2017: 3.3×FY 2018: 3.2×FY 2019: 3.2×FY 2020: 2.6×FY 2021: 3.4×FY 2022: 4.3×FY 2023: 4.4×FY 2024: 3.9×FY 2025: 2.6×
FY 2016 5y median 3.9× FY 2025
P/B 1.8×
FY 2016: 1.6×FY 2017: 1.9×FY 2018: 1.8×FY 2019: 1.7×FY 2020: 1.6×FY 2021: 1.7×FY 2022: 2.0×FY 2023: 2.2×FY 2024: 1.9×FY 2025: 1.8×
FY 2016 5y median 1.9× FY 2025
P/FCF 5.5×
FY 2016: 6.3×FY 2017: 137×FY 2018: -9.4×FY 2019: 18.4×FY 2020: 2.9×FY 2021: 2.7×FY 2022: 5.0×FY 2023: -7.6×FY 2024: -6.0×FY 2025: 5.5×
FY 2016 5y median 2.7× FY 2025
EV/EBITDA 10.0×
FY 2016: 6.5×FY 2017: 7.2×FY 2018: 7.7×FY 2019: 8.1×FY 2020: 7.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 10.0×
FY 2016 5y median 0.0× FY 2025
EV/Sales 4.0×
FY 2016: 1.4×FY 2017: 2.2×FY 2018: 2.7×FY 2019: 2.8×FY 2020: 1.7×FY 2021: 2.4×FY 2022: 2.7×FY 2023: 3.2×FY 2024: 3.3×FY 2025: 4.0×
FY 2016 5y median 3.2× FY 2025
FCF Yield 18.1%
FY 2016: 15.8%FY 2017: 0.7%FY 2018: -10.6%FY 2019: 5.4%FY 2020: 34.8%FY 2021: 37.0%FY 2022: 19.9%FY 2023: -13.2%FY 2024: -16.7%FY 2025: 18.1%
FY 2016 5y median 18.1% FY 2025

Profitability

Gross Margin 71.1%
FY 2016: 75.4%FY 2017: 76.0%FY 2018: 76.7%FY 2019: 73.8%FY 2020: 75.5%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 71.1%
FY 2016 5y median 100.0% FY 2025
Operating Margin 37.5%
FY 2016: 20.3%FY 2017: 28.7%FY 2018: 33.3%FY 2019: 32.9%FY 2020: 21.1%FY 2021: 52.3%FY 2022: 59.1%FY 2023: 64.7%FY 2024: 58.3%FY 2025: 37.5%
FY 2016 5y median 58.3% FY 2025
Net Margin 27.6%
FY 2016: 15.1%FY 2017: 21.8%FY 2018: 24.6%FY 2019: 24.8%FY 2020: 14.6%FY 2021: 28.2%FY 2022: 37.6%FY 2023: 43.2%FY 2024: 41.4%FY 2025: 27.6%
FY 2016 5y median 37.6% FY 2025
ROE 19.2%
FY 2016: 9.2%FY 2017: 12.4%FY 2018: 13.8%FY 2019: 13.4%FY 2020: 8.9%FY 2021: 13.7%FY 2022: 17.9%FY 2023: 21.1%FY 2024: 19.7%FY 2025: 19.2%
FY 2016 5y median 19.2% FY 2025
ROIC -6.1%
FY 2016: 5.5%FY 2017: 7.2%FY 2018: 7.6%FY 2019: 7.7%FY 2020: 4.8%FY 2021: 9.9%FY 2022: 10.7%FY 2023: 2.4%FY 2024: 9.2%FY 2025: -6.1%
FY 2016 5y median 9.2% FY 2025
ROA 2.0%
FY 2016: 1.3%FY 2017: 1.8%FY 2018: 2.1%FY 2019: 2.1%FY 2020: 1.1%FY 2021: 1.6%FY 2022: 2.1%FY 2023: 2.5%FY 2024: 2.3%FY 2025: 2.0%
FY 2016 5y median 2.1% FY 2025

Growth (YoY)

Revenue 51.6%
FY 2016: 3.4%FY 2017: 3.3%FY 2018: 7.6%FY 2019: 8.9%FY 2020: 4.0%FY 2021: -13.7%FY 2022: 9.9%FY 2023: 16.5%FY 2024: 5.8%FY 2025: 51.6%
FY 2016 FY 2025
Operating Income -2.7%
FY 2016: -29.6%FY 2017: 46.2%FY 2018: 25.0%FY 2019: 7.4%FY 2020: -33.1%FY 2021: 113.5%FY 2022: 24.2%FY 2023: 27.4%FY 2024: -4.6%FY 2025: -2.7%
FY 2016 FY 2025
EPS (diluted) 1.2%
FY 2016: -32.1%FY 2017: 49.5%FY 2018: 21.2%FY 2019: 9.9%FY 2020: -38.8%FY 2021: 66.8%FY 2022: 46.8%FY 2023: 33.7%FY 2024: 1.3%FY 2025: 1.2%
FY 2016 FY 2025
Free Cash Flow 208.4%
FY 2016: 358.7%FY 2017: -94.1%FY 2018: -1629.1%FY 2019: 154.3%FY 2020: 439.3%FY 2021: 21.4%FY 2022: -26.0%FY 2023: -180.7%FY 2024: -17.7%FY 2025: 208.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.9×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.6×FY 2025: 0.9×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 3.5×
FY 2016: -5.6×FY 2017: -3.8×FY 2018: -1.6×FY 2019: -1.0×FY 2020: -3.5×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 3.5×
FY 2016 5y median 0.0× FY 2025
Interest Coverage 1.3×
FY 2016: 0.8×FY 2017: 1.2×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 2.5×FY 2022: 3.2×FY 2023: 2.7×FY 2024: 1.9×FY 2025: 1.3×
FY 2016 5y median 2.5× FY 2025

Dividends

Dividend Yield 8.3%
FY 2016: 2.5%FY 2017: 2.0%FY 2018: 2.8%FY 2019: 3.2%FY 2020: 5.6%FY 2021: 3.0%FY 2022: 3.6%FY 2023: 4.4%FY 2024: 6.3%FY 2025: 8.3%
FY 2016 5y median 4.4% FY 2025
Payout Ratio 77.3%
FY 2016: 44.2%FY 2017: 30.1%FY 2018: 37.1%FY 2019: 41.0%FY 2020: 98.6%FY 2021: 36.6%FY 2022: 40.8%FY 2023: 44.9%FY 2024: 59.2%FY 2025: 77.3%
FY 2016 5y median 44.9% FY 2025

Annual · latest fiscal year ends 2025-12-31