PBNNF (PT Bank Negara Indonesia (Persero) Tbk) Margin of Safety % (DCF Earnings Based): 30.24% (As of Jun. 25, 2026)


PBNNF PT Bank Negara Indonesia (Persero) Tbk PBNNF
80 GF Score
Price $0.20
GF Value $0.28
! 3 Warning Signs
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What is PT Bank Negara Indonesia (Persero) Tbk Margin of Safety % (DCF Earnings Based)?

PT Bank Negara Indonesia (Persero) Tbk PBNNF 80 Margin of Safety % (DCF Earnings Based) is 30.24% as of Jun. 25, 2026. GuruFocus rates PBNNF with a GF Score™ of 80/100 and a GF Value™ of $0.28. The stock has 3 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), PT Bank Negara Indonesia (Persero) Tbk's Predictability Rank is 4-Stars. PT Bank Negara Indonesia (Persero) Tbk's intrinsic value calculated from the Discounted Earnings model is $0.29 and current share price is $0.2023. Consequently,

PT Bank Negara Indonesia (Persero) Tbk's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 30.24%.

PT Bank Negara Indonesia (Persero) Tbk Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, PT Bank Negara Indonesia (Persero) Tbk's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Negara Indonesia (Persero) Tbk's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where PT Bank Negara Indonesia (Persero) Tbk's Margin of Safety % (DCF Earnings Based) falls into.


PBNNF
80GF Score
PT Bank Negara Indonesia (Persero) Tbk PBNNF
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Negara Indonesia (Persero) Tbk Margin of Safety % (DCF Earnings Based) Calculation

PT Bank Negara Indonesia (Persero) Tbk's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(0.29-0.2023)/0.29
=30.24 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 30.24% mean?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a Margin of Safety % (DCF Earnings Based) of 30.24% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PT Bank Negara Indonesia (Persero) Tbk.
Is PT Bank Negara Indonesia (Persero) Tbk's Margin of Safety % (DCF Earnings Based) too high?
PT Bank Negara Indonesia (Persero) Tbk's current Margin of Safety % (DCF Earnings Based) is 30.24%. Overall, PT Bank Negara Indonesia (Persero) Tbk has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Negara Indonesia (Persero) Tbk's Margin of Safety % (DCF Earnings Based) compare to competitors?
PT Bank Negara Indonesia (Persero) Tbk's Margin of Safety % (DCF Earnings Based) of 30.24% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PT Bank Negara Indonesia (Persero) Tbk. PT Bank Negara Indonesia (Persero) Tbk's current Margin of Safety % (DCF Earnings Based) is 30.24%. 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?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a current Margin of Safety % (DCF Earnings Based) of 30.24%. The stock's GF Value™ is $0.28, compared to a current price of $0.20 — trading 27.8% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 30.24%. PT Bank Negara Indonesia (Persero) Tbk's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For PT Bank Negara Indonesia (Persero) Tbk (PBNNF), the current Margin of Safety % (DCF Earnings Based) is 30.24% as of Jun. 25, 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 $0.20 is trading 27.8% below its estimated GF Value™ of $0.28.

Key valuation signals for PBNNF:

  • Margin of Safety % (DCF Earnings Based): 30.24%
  • GF Value™: $0.28 vs. price of $0.20 (27.8% below fair value)
  • GF Score™: 80/100 with 3 warning signs

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 Business Description

Address Jalan Jenderal Sudirman Kavling 1, Gedung Grha BNI, Jakarta Pusat, Jakarta, IDN, 10220
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.
80GF Score

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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.20
Price
$0.28
GF Value