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PT Bank Mandiri (Persero) TbkPPERY +2.22%59 Debt-to-Equity is 0.79 as of Jun. 2026, which is 65% above its 10-year median of 0.48. GuruFocus rates PPERY with a GF Score™ of 59/100 and a GF Value™ of $13.21 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,422 Banks companies, PT Bank Mandiri (Persero) Tbk ranks worse than 60.41% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for PT Bank Mandiri (Persero) Tbk's Debt-to-Equity or its related term are showing as below:
PPERY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.29 Med: 0.48 Max: 0.79
Current: 0.79
During the past 13 years, the highest Debt-to-Equity Ratio of PT Bank Mandiri (Persero) Tbk was 0.79. The lowest was 0.29. And the median was 0.48.
PPERY's Debt-to-Equity is ranked worse than 60.41% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs PPERY: 0.79
PT Bank Mandiri (Persero) Tbk (OTCPK:PPERY) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
PT Bank Mandiri (Persero) Tbk Debt-to-Equity Related Terms
PT Bank Mandiri (Persero) Tbk Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Bank Mandiri (Persero) Tbk Debt-to-Equity Chart
PT Bank Mandiri (Persero) Tbk Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Mandiri (Persero) Tbk's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PT Bank Mandiri (Persero) Tbk Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Mandiri (Persero) Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Mandiri (Persero) Tbk's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Bank Mandiri (Persero) Tbk (PPERY) has a Debt-to-Equity of 0.79 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Bank Mandiri (Persero) Tbk and its competitors. This is 65% above median its historical median of 0.48. Over the past decade, PT Bank Mandiri (Persero) Tbk's Debt-to-Equity has ranged from 0.29 to 0.79. According to the industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #859 out of 1422 companies in the Banks industry, placing it in the top 60.4%.
Is PT Bank Mandiri (Persero) Tbk's Debt-to-Equity too high?
PT Bank Mandiri (Persero) Tbk's current Debt-to-Equity of 0.79 is 65% above median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 0.79. The Banks industry median Debt-to-Equity is 0.57. PT Bank Mandiri (Persero) Tbk's value of 0.79 is 38.6% above this industry median. Based on the distribution chart, PT Bank Mandiri (Persero) Tbk ranks #859 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Mandiri (Persero) Tbk has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Mandiri (Persero) Tbk's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #859 out of 1422 companies for Debt-to-Equity. This places PT Bank Mandiri (Persero) Tbk in the lower half of its industry. The industry median Debt-to-Equity is 0.57. PT Bank Mandiri (Persero) Tbk's value of 0.79 is 38.6% above this benchmark. Historically, PT Bank Mandiri (Persero) Tbk's own Debt-to-Equity has ranged from 0.29 to 0.79 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 0.57, PT Bank Mandiri (Persero) Tbk has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Mandiri (Persero) Tbk's current Debt-to-Equity of 0.79 is 38.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Bank Mandiri (Persero) Tbk and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Mandiri (Persero) Tbk's current Debt-to-Equity is 0.79, which is 65% above median its own 10-year median of 0.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Mandiri (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk (PPERY) is currently considered Significantly Undervalued. The stock's GF Value™ is $13.21, compared to a current price of $9.19 — trading 30.4% below its estimated fair value. The current Debt-to-Equity is 0.79, which is 65% above median its 10-year median of 0.48 and 38.6% above the Banks industry median of 0.57. PT Bank Mandiri (Persero) Tbk's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For PT Bank Mandiri (Persero) Tbk (PPERY), the current Debt-to-Equity is 0.79 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PT Bank Mandiri (Persero) Tbk (PPERY) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk stock appears to be undervalued.
The current stock price of $9.19 is trading 30.4% below its estimated GF Value™ of $13.21.
GuruFocus considers PT Bank Mandiri (Persero) Tbk to be Significantly Undervalued.
Key valuation signals for PPERY:
Debt-to-Equity: 0.79 (65% above median its 10-year median of 0.48)
GF Value™: $13.21 vs. price of $9.19 (30.4% below fair value)
Industry Position: 38.6% above the Banks median (#859 of 1422)
No single metric tells the full story. See the PPERY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Mandiri (Persero) Tbk Business Description
PT Bank Mandiri (Persero) Tbk is engaged in the provision of banking services. Its services include collecting funds from the public in forms of current accounts, term deposits, deposit certificates, savings, and/or other equivalent forms; Lending; Issuing promissory notes; Purchasing, selling, or guaranteeing on own risk or for the interest of and upon orders of the customers; and money transfer for self- interest or customers' interest. Its segments include the Wholesale segment and the Retail segment. Geographically, it operates in Indonesia, Asia (Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia), Western Europe (United Kingdom), and the Cayman Islands.
59GF Score
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