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PBNNF's EV-to-OCF is ranked better than 57.84% of 1499
companies
in the Banks industry
Industry Median: 3.92
vs PBNNF: 2.10
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PT Bank Negara Indonesia (Persero) Tbk (OTCPK:PBNNF) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PT Bank Negara Indonesia (Persero) Tbk's PE Ratio (TTM) for today is calculated as:
PT Bank Negara Indonesia (Persero) Tbk's share price for today is $0.24.
PT Bank Negara Indonesia (Persero) Tbk's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.033.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PT Bank Negara Indonesia (Persero) Tbk EV-to-OCF Related Terms
PT Bank Negara Indonesia (Persero) Tbk EV-to-OCF 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 Negara Indonesia (Persero) Tbk EV-to-OCF Chart
PT Bank Negara Indonesia (Persero) Tbk Annual Data
PT Bank Negara Indonesia (Persero) Tbk EV-to-OCF Competitor Comparison
For the Banks - Regional subindustry, PT Bank Negara Indonesia (Persero) Tbk's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 Negara Indonesia (Persero) Tbk EV-to-OCF vs Banks Industry
PT Bank Negara Indonesia (Persero) Tbk's current Enterprise Value is $2,298 Mil.
PT Bank Negara Indonesia (Persero) Tbk's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,349 Mil.
* 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 Negara Indonesia (Persero) Tbk (PBNNF) has a EV-to-OCF of 1.70 as of Aug. 17, 2026. This is 55% above median its historical median of 1.10. According to the industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #632 out of 1499 companies in the Banks industry, placing it in the top 42.2%.
Is PT Bank Negara Indonesia (Persero) Tbk's EV-to-OCF too high?
PT Bank Negara Indonesia (Persero) Tbk's current EV-to-OCF of 1.70 is 55% above median its 10-year median of 1.10. The Banks industry median EV-to-OCF is 3.92. PT Bank Negara Indonesia (Persero) Tbk's value of 1.70 is 56.6% below this industry median. Based on the distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #632 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, PT Bank Negara Indonesia (Persero) Tbk has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Negara Indonesia (Persero) Tbk's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #632 out of 1499 companies for EV-to-OCF. This puts PT Bank Negara Indonesia (Persero) Tbk in the upper half of its industry. The industry median EV-to-OCF is 3.92. PT Bank Negara Indonesia (Persero) Tbk's value of 1.70 is 56.6% below this benchmark. While the company's 10-year median is 1.10 vs. the industry median of 3.92, PT Bank Negara Indonesia (Persero) Tbk has consistently been below 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.92, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Negara Indonesia (Persero) Tbk's current EV-to-OCF of 1.70 is 56.6% below 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Negara Indonesia (Persero) Tbk's current EV-to-OCF is 1.70, which is 55% above median its own 10-year median of 1.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Negara Indonesia (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk (PBNNF) is currently considered Modestly Undervalued. The stock's GF Value™ is $0.32, compared to a current price of $0.24 — trading 25% below its estimated fair value. The current EV-to-OCF is 1.70, which is 55% above median its 10-year median of 1.10 and 56.6% below the Banks industry median of 3.92. PT Bank Negara Indonesia (Persero) Tbk's overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For PT Bank Negara Indonesia (Persero) Tbk (PBNNF), the current EV-to-OCF is 1.70 as of Aug. 17, 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 Negara Indonesia (Persero) Tbk (PBNNF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk stock appears to be undervalued.
The current stock price of $0.24 is trading 25% below its estimated GF Value™ of $0.32.
GuruFocus considers PT Bank Negara Indonesia (Persero) Tbk to be Modestly Undervalued.
Key valuation signals for PBNNF:
EV-to-OCF: 1.70 (55% above median its 10-year median of 1.10)
GF Value™: $0.32 vs. price of $0.24 (25% below fair value)
Industry Position: 56.6% below the Banks median (#632 of 1499)
No single metric tells the full story. See the PBNNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Negara Indonesia (Persero) Tbk is an Indonesian state-owned bank, with the government holding just over half of the bank's outstanding shares. Its main banking activities include deposit-taking, providing credit, issuing debt instruments, money transfer services, secondary market services, wholesale banking, custody banking, capital investment, and other services. Its segments include Wholesale & International Banking, Institutional Banking, Enterprises & Commercial Banking, Retail Banking and Treasury. The company generates the majority of its revenue from the Wholesale & International Banking segment which includes loans, customer deposits, and other transactions belonging to corporate customers, both BUMN and private business entities.
57GF Score
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