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PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
PT Bank Tabungan Negara (Persero) Tbk Forward PE Ratio Related Terms
PT Bank Tabungan Negara (Persero) Tbk Forward PE Ratio 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 Tabungan Negara (Persero) Tbk Forward PE Ratio Chart
PT Bank Tabungan Negara (Persero) Tbk Annual Data
Trend
2018-12
2019-12
2020-12
2021-12
2022-12
2023-12
2024-12
2025-12
Forward PE Ratio
6.37
5.31
10.71
7.47
3.99
3.34
2.85
3.04
PT Bank Tabungan Negara (Persero) Tbk Quarterly Data
2018-03
2018-06
2018-09
2018-12
2019-03
2019-06
2019-09
2019-12
2020-03
2020-06
2020-09
2020-12
2021-03
2021-06
2021-09
2021-12
2022-03
2022-06
2022-09
2022-12
2023-03
2023-06
2023-09
2023-12
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
2026-06
Forward PE Ratio
10.07
7.26
6.49
6.37
5.97
7.65
5.24
5.31
2.09
5.50
7.26
10.71
7.37
5.53
7.82
7.47
6.05
5.06
4.34
3.99
3.80
4.22
3.28
3.34
4.68
3.68
4.00
2.85
2.25
3.23
3.62
3.04
4.23
3.15
PT Bank Tabungan Negara (Persero) Tbk Forward PE Ratio Competitor Comparison
For the Banks - Regional subindustry, PT Bank Tabungan Negara (Persero) Tbk's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Tabungan Negara (Persero) Tbk Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Tabungan Negara (Persero) Tbk's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where PT Bank Tabungan Negara (Persero) Tbk's Forward PE Ratio falls into.
PT Bank Tabungan Negara (Persero) Tbk Forward PE Ratio Calculation
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a Forward PE Ratio of 3.21 as of Aug. 03, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on PT Bank Tabungan Negara (Persero) Tbk and its competitors. According to the industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #37 out of 818 companies in the Banks industry, placing it in the top 4.5%.
Is PT Bank Tabungan Negara (Persero) Tbk's Forward PE Ratio too high?
PT Bank Tabungan Negara (Persero) Tbk's current Forward PE Ratio is 3.21. The Banks industry median Forward PE Ratio is 11.34. PT Bank Tabungan Negara (Persero) Tbk's value of 3.21 is 71.7% below this industry median. Based on the distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #37 out of 818 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's Forward PE Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #37 out of 818 companies for Forward PE Ratio. This places PT Bank Tabungan Negara (Persero) Tbk in the top 5% of its industry — outperforming the majority of peers. The industry median Forward PE Ratio is 11.34. PT Bank Tabungan Negara (Persero) Tbk's value of 3.21 is 71.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 11.34, based on 818 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Tabungan Negara (Persero) Tbk's current Forward PE Ratio of 3.21 is 71.7% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on PT Bank Tabungan Negara (Persero) Tbk and its competitors. For the Banks industry, the median Forward PE Ratio is 11.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Tabungan Negara (Persero) Tbk's current Forward PE Ratio is 3.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Tabungan Negara (Persero) Tbk stock overvalued right now?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a current Forward PE Ratio of 3.21. The stock's GF Value™ is €0.06, compared to a current price of €0.05 — trading 25% below its estimated fair value. The current Forward PE Ratio is 3.21 and 71.7% below the Banks industry median of 11.34. PT Bank Tabungan Negara (Persero) Tbk's overall GF Score™ is 82/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For PT Bank Tabungan Negara (Persero) Tbk (STU:TA2), the current Forward PE Ratio is 3.21 as of Aug. 03, 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 Tabungan Negara (Persero) Tbk (STU:TA2) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk stock appears to be undervalued.
The current stock price of €0.05 is trading 25% below its estimated GF Value™ of €0.06.
Key valuation signals for STU:TA2:
Forward PE Ratio: 3.21
GF Value™: €0.06 vs. price of €0.05 (25% below fair value)
Industry Position: 71.7% below the Banks median (#37 of 818)
No single metric tells the full story. See the STU:TA2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Tabungan Negara (Persero) Tbk conducts business in the banking sector. Its activities include Collecting funds from the public in the form of savings, current accounts, time deposits, certificates of deposit, distributing funds in the form of credit or financing, issuing and/or carrying out securities transactions. Its products and services are divided into two segments, namely conventional and sharia. Conventional banking consist of Consumer products and Commercial products; and Sharia consist of Sharia Products. Its services include consumer loan products, consumer savings products, and wealth management products.
82GF Score
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