PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) Margin of Safety % (DCF FCF Based): 83.60% (As of Jun. 26, 2026)


STU:TA2 PT Bank Tabungan Negara (Persero) Tbk STU:TA2
81 GF Score
Price €0.04
GF Value €0.07
! 3 Warning Signs
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What is PT Bank Tabungan Negara (Persero) Tbk Margin of Safety % (DCF FCF Based)?

PT Bank Tabungan Negara (Persero) Tbk STU:TA2 81 Margin of Safety % (DCF FCF Based) is 83.60% as of Jun. 26, 2026. GuruFocus rates STU:TA2 with a GF Score™ of 81/100 and a GF Value™ of €0.07. The stock has 3 warning signs investors should review.

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

Note: Discounted FCF 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 (2026-06-26), 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 FCF model is €0.15 and current share price is €0.041. Consequently,

PT Bank Tabungan Negara (Persero) Tbk's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 83.60%.

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

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

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

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


STU:TA2
81GF Score
PT Bank Tabungan Negara (Persero) Tbk STU:TA2
Margin of Safety % (DCF FCF 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 FCF Based) Calculation

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

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(0.25-0.041)/0.25
=83.60 %

* 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 FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 83.60% mean?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a Margin of Safety % (DCF FCF Based) of 83.60% as of Jun. 26, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on PT Bank Tabungan Negara (Persero) Tbk.
Is PT Bank Tabungan Negara (Persero) Tbk's Margin of Safety % (DCF FCF Based) too high?
PT Bank Tabungan Negara (Persero) Tbk's current Margin of Safety % (DCF FCF Based) is 83.60%. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's Margin of Safety % (DCF FCF Based) compare to competitors?
PT Bank Tabungan Negara (Persero) Tbk's Margin of Safety % (DCF FCF Based) of 83.60% 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 FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF 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 FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on PT Bank Tabungan Negara (Persero) Tbk. PT Bank Tabungan Negara (Persero) Tbk's current Margin of Safety % (DCF FCF Based) is 83.60%. 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 Margin of Safety % (DCF FCF Based) of 83.60%. The stock's GF Value™ is €0.07, compared to a current price of €0.04 — trading 41.4% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 83.60%. 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 FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For PT Bank Tabungan Negara (Persero) Tbk (STU:TA2), the current Margin of Safety % (DCF FCF Based) is 83.60% as of Jun. 26, 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 €0.04 is trading 41.4% below its estimated GF Value™ of €0.07.

Key valuation signals for STU:TA2:

  • Margin of Safety % (DCF FCF Based): 83.60%
  • GF Value™: €0.07 vs. price of €0.04 (41.4% below fair value)
  • GF Score™: 81/100 with 3 warning signs

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 Business Description

Other Exchanges BBTN:Indonesia
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 STU:TA2

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

€0.04
Price
€0.07
GF Value