PT Bank Tabungan Negara (Persero) Tbk (ISX:BBTN) Margin of Safety % (DCF Dividends Based): 82.98% (As of Jul. 19, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ISX:BBTN PT Bank Tabungan Negara (Persero) Tbk ISX:BBTN
81 GF Score
Price Rp1,260.00
GF Value Rp1,586.91
Valuation Modestly Undervalued
! 3 Warning Signs
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What is PT Bank Tabungan Negara (Persero) Tbk Margin of Safety % (DCF Dividends Based)?

PT Bank Tabungan Negara (Persero) Tbk ISX:BBTN +4.13% 81 Margin of Safety % (DCF Dividends Based) is 82.98% as of Jul. 19, 2026. GuruFocus rates ISX:BBTN with a GF Score™ of 81/100 and a GF Value™ of Rp1,586.91 (Modestly Undervalued). The stock has 3 warning signs investors should review.

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

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-19), PT Bank Tabungan Negara (Persero) Tbk's Predictability Rank is 4.5-Stars. PT Bank Tabungan Negara (Persero) Tbk's intrinsic value calculated from the Discounted Dividend model is Rp3037.42 and current share price is Rp1260.00. Consequently,

PT Bank Tabungan Negara (Persero) Tbk's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 82.98%.

PT Bank Tabungan Negara (Persero) Tbk Margin of Safety % (DCF Dividends Based) Competitor Comparison

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

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

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


ISX:BBTN
81GF Score
PT Bank Tabungan Negara (Persero) Tbk ISX:BBTN
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Tabungan Negara (Persero) Tbk Margin of Safety % (DCF Dividends Based) Calculation

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

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(7402.35-1260.00)/7402.35
=82.98 %

* 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 Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 82.98% mean?
PT Bank Tabungan Negara (Persero) Tbk (ISX:BBTN) has a Margin of Safety % (DCF Dividends Based) of 82.98% as of Jul. 19, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on PT Bank Tabungan Negara (Persero) Tbk.
Is PT Bank Tabungan Negara (Persero) Tbk's Margin of Safety % (DCF Dividends Based) too high?
PT Bank Tabungan Negara (Persero) Tbk's current Margin of Safety % (DCF Dividends Based) is 82.98%. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's Margin of Safety % (DCF Dividends Based) compare to competitors?
PT Bank Tabungan Negara (Persero) Tbk's Margin of Safety % (DCF Dividends Based) of 82.98% 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 Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends 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 Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on PT Bank Tabungan Negara (Persero) Tbk. PT Bank Tabungan Negara (Persero) Tbk's current Margin of Safety % (DCF Dividends Based) is 82.98%. 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?
Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk (ISX:BBTN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp1,586.91, compared to a current price of Rp1,260.00 — trading 20.6% below its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is 82.98%. PT Bank Tabungan Negara (Persero) Tbk's overall GF Score™ is 81/100 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 Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For PT Bank Tabungan Negara (Persero) Tbk (ISX:BBTN), the current Margin of Safety % (DCF Dividends Based) is 82.98% as of Jul. 19, 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 (ISX:BBTN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk stock appears to be undervalued. The current stock price of Rp1,260.00 is trading 20.6% below its estimated GF Value™ of Rp1,586.91. GuruFocus considers PT Bank Tabungan Negara (Persero) Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BBTN:

  • Margin of Safety % (DCF Dividends Based): 82.98%
  • GF Value™: Rp1,586.91 vs. price of Rp1,260.00 (20.6% below fair value)
  • GF Score™: 81/100 with 3 warning signs

No single metric tells the full story. See the ISX:BBTN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Bank Tabungan Negara (Persero) Tbk Business Description

Address Jalan Gajah Mada No. 1, Menara BTN, Jakarta, IDN, 10130
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.
81GF Score

Get the complete analysis for ISX:BBTN

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

Rp1,260.00
Price
Rp1,586.91
GF Value