PPERY

PT Bank Mandiri (Persero) Tbk

USD

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Price alert · PPERY

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8.20 USD -0.02 -0.24%
As of Oct 30, 2026
8.15 Day range 8.20
7.59 52-week range 12.97
YTD
-33.22%
1 year
-27.75%
Open
8.19
Prev close
8.22
Mkt cap
19.13B
Vol
19.02K
Avg vol
105.49K
EPS
1.59
P/E
5.16
More statistics
Low
8.15
High
8.20
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

5 / 9 Average

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

FMP rating

B+3 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 4
  • P/B 3

Valuation

P/E 8.4×
FY 2016: 19.3×FY 2017: 17.9×FY 2018: 13.7×FY 2019: 13.2×FY 2020: 17.6×FY 2021: 11.7×FY 2022: 11.2×FY 2023: 10.3×FY 2024: 9.3×FY 2025: 8.4×
FY 2016 5y median 10.3× FY 2025
P/S 2.3×
FY 2016: 2.9×FY 2017: 3.9×FY 2018: 3.4×FY 2019: 3.3×FY 2020: 4.2×FY 2021: 3.3×FY 2022: 4.0×FY 2023: 4.5×FY 2024: 3.8×FY 2025: 2.3×
FY 2016 5y median 3.8× FY 2025
P/B 1.6×
FY 2016: 1.8×FY 2017: 2.2×FY 2018: 1.9×FY 2019: 1.8×FY 2020: 1.6×FY 2021: 1.6×FY 2022: 2.0×FY 2023: 2.2×FY 2024: 1.8×FY 2025: 1.6×
FY 2016 5y median 1.8× FY 2025
P/FCF 5.0×
FY 2016: -5.8×FY 2017: -7.5×FY 2018: -5.7×FY 2019: -4.7×FY 2020: -14.7×FY 2021: -16.4×FY 2022: -4.3×FY 2023: -3.6×FY 2024: -5.9×FY 2025: 5.0×
FY 2016 5y median -4.3× FY 2025
EV/EBITDA 4.6×
FY 2016: 7.6×FY 2017: 9.1×FY 2018: 8.1×FY 2019: 8.4×FY 2020: 7.0×FY 2021: 5.4×FY 2022: 4.8×FY 2023: 5.7×FY 2024: 0.0×FY 2025: 4.6×
FY 2016 5y median 4.8× FY 2025
EV/Sales 1.8×
FY 2016: 1.7×FY 2017: 2.7×FY 2018: 2.8×FY 2019: 2.9×FY 2020: 2.8×FY 2021: 2.3×FY 2022: 2.5×FY 2023: 3.6×FY 2024: 3.3×FY 2025: 1.8×
FY 2016 5y median 2.5× FY 2025
FCF Yield 20.0%
FY 2016: -17.3%FY 2017: -13.4%FY 2018: -17.6%FY 2019: -21.3%FY 2020: -6.8%FY 2021: -6.1%FY 2022: -23.0%FY 2023: -28.1%FY 2024: -17.0%FY 2025: 20.0%
FY 2016 5y median -17.0% 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: 100.0%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: 47.1%FY 2021: 52.3%FY 2022: 55.4%FY 2023: 58.5%FY 2024: 58.3%FY 2025: 37.5%
FY 2016 5y median 55.4% FY 2025
Net Margin 27.6%
FY 2016: 15.1%FY 2017: 21.8%FY 2018: 24.6%FY 2019: 24.8%FY 2020: 23.9%FY 2021: 28.2%FY 2022: 35.6%FY 2023: 44.3%FY 2024: 41.4%FY 2025: 27.6%
FY 2016 5y median 35.6% FY 2025
ROE 19.3%
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: 19.3%
FY 2016 5y median 19.3% FY 2025
ROIC 2.1%
FY 2016: 5.5%FY 2017: 7.2%FY 2018: 7.6%FY 2019: 7.7%FY 2020: 6.5%FY 2021: 9.9%FY 2022: 10.6%FY 2023: 10.4%FY 2024: 9.2%FY 2025: 2.1%
FY 2016 5y median 9.9% 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 52.5%
FY 2016: 3.4%FY 2017: 3.3%FY 2018: 7.6%FY 2019: 8.9%FY 2020: -36.7%FY 2021: 41.6%FY 2022: 16.2%FY 2023: 7.4%FY 2024: 8.5%FY 2025: 52.5%
FY 2016 FY 2025
Operating Income -2.1%
FY 2016: -29.6%FY 2017: 46.2%FY 2018: 25.0%FY 2019: 7.4%FY 2020: -9.2%FY 2021: 57.3%FY 2022: 23.0%FY 2023: 13.4%FY 2024: 8.3%FY 2025: -2.1%
FY 2016 FY 2025
EPS (diluted) 1.8%
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: 1.8%
FY 2016 FY 2025
Free Cash Flow 209.0%
FY 2016: -82.0%FY 2017: -7.7%FY 2018: -21.5%FY 2019: -28.1%FY 2020: 73.8%FY 2021: 0.5%FY 2022: -429.3%FY 2023: -49.3%FY 2024: 44.5%FY 2025: 209.0%
FY 2016 FY 2025

Financial Health

Current Ratio 3.0×
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: 0.2×FY 2024: 0.2×FY 2025: 3.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 3.0×
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: 0.2×FY 2024: 0.2×FY 2025: 3.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.0×
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: 0.5×FY 2024: 0.6×FY 2025: 1.0×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -1.3×
FY 2016: -5.7×FY 2017: -3.8×FY 2018: -1.6×FY 2019: -1.0×FY 2020: -3.5×FY 2021: -2.4×FY 2022: -2.8×FY 2023: -1.5×FY 2024: 0.0×FY 2025: -1.3×
FY 2016 5y median -1.5× FY 2025
Interest Coverage 1.3×
FY 2016: 0.8×FY 2017: 1.2×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 1.2×FY 2021: 2.5×FY 2022: 3.1×FY 2023: 2.4×FY 2024: 1.9×FY 2025: 1.3×
FY 2016 5y median 2.4× FY 2025

Dividends

Dividend Yield 9.2%
FY 2016: 2.3%FY 2017: 1.7%FY 2018: 2.7%FY 2019: 3.1%FY 2020: 5.6%FY 2021: 3.1%FY 2022: 3.6%FY 2023: 4.4%FY 2024: 6.4%FY 2025: 9.2%
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