PT Bank Tabungan Negara (Persero) Tbk is principally engaged in providing commercial banking services. The products offered by the bank include Fund products like Fixed deposit accounts, savings accounts, and clearing accounts, and credit products like Consumer loans and commercial loans. The services provided include Money Changer, Payment Point, Safe deposit box, and Real Time Gross settlement among others. It also provides Syariah services through its Syariah Business units. Its business segments consist of Conventional Banking and Sharia Banking. The company generates the majority of its revenue from the Conventional business segment.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.03
Equity-to-Asset	0.07
Debt-to-Equity	1.68
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.54	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	7.8
	3-Year EPS without NRI Growth Rate	22.9
	3-Year FCF Growth Rate	-47.8
	3-Year Book Growth Rate	9
	Future 3-5Y Total Revenue Growth Rate	12.96

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	15.85
	9-Day RSI	24.64
	14-Day RSI	32.02
	6-1 Month Momentum %	33.89
	12-1 Month Momentum %	26.98

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.7
	Dividend Payout Ratio	0.17
	3-Year Dividend Growth Rate	191.3
	Forward Dividend Yield %	3.7
	5-Year Yield-on-Cost %	3.7
	3-Year Average Share Buyback Ratio	-5.6
	Shareholder Yield %	-9.18

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	21.5
	FCF Margin %	26.53
	ROE %	12.37
	ROA %	0.85
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	5.19
	Forward PE Ratio	4.78
	PE Ratio without NRI	5.19
	Shiller PE Ratio	6.57
	Price-to-Owner-Earnings	5.8
	PEG Ratio	1.62
	PS Ratio	1.11
	PB Ratio	0.58
	Price-to-Tangible-Book	0.59
	Price-to-Free-Cash-Flow	4.19
	Price-to-Operating-Cash-Flow	2.73
	EV-to-Forward-EBITDA	18.04
	EV-to-Revenue	1.01
	EV-to-Forward-Revenue	3.41
	EV-to-FCF	4.07
	Price-to-Projected-FCF	0.23
	Price-to-DCF (Earnings Based)	0.45
	Price-to-DCF (FCF Based)	0.36
	Price-to-Median-PS-Value	0.59
	Price-to-Graham-Number	0.37
	FCF Yield %	23.86
	Forward Rate of Return (Yacktman) %	50.08

GF Value: Rp1248.11

ISX:BBTN

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