PT Bank SMBC Indonesia Tbk (ISX:BTPN) Moat Score: 0/10 (As of Jul. 08, 2026)


ISX:BTPN PT Bank SMBC Indonesia Tbk ISX:BTPN
46 GF Score
Price Rp2,170.00
GF Value Rp2,362.22
Valuation Fairly Valued
! 5 Warning Signs
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What is PT Bank SMBC Indonesia Tbk Moat Score?

PT Bank SMBC Indonesia Tbk has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

PT Bank SMBC Indonesia Tbk has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PT Bank SMBC Indonesia Tbk might have No Moat - No discernible moat.

PT Bank SMBC Indonesia Tbk  (ISX:BTPN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PT Bank SMBC Indonesia Tbk Moat Score Related Terms

ISX:BTPN
46GF Score
PT Bank SMBC Indonesia Tbk ISX:BTPN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT Bank SMBC Indonesia Tbk (ISX:BTPN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank SMBC Indonesia Tbk stock appears to be undervalued. The current stock price of Rp2,170.00 is trading 8.1% below its estimated GF Value™ of Rp2,362.22. GuruFocus considers PT Bank SMBC Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:BTPN:

  • Moat Score: 0
  • GF Value™: Rp2,362.22 vs. price of Rp2,170.00 (8.1% below fair value)
  • GF Score™: 46/100 with 5 warning signs

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

PT Bank SMBC Indonesia Tbk Business Description

Address Jalan Dr. Ide Anak Agung Gde Agung, Menara SMBC, CBD Mega Kuningan Lantai 29, Kavling 5.5 - 5.6, Jakarta Selatan, Jakarta, IDN, 12950
PT Bank SMBC Indonesia Tbk is a foreign exchange bank. It offers products and services such as green financing, products and services for retired customers, for micro, small, and medium enterprise customers, for large national, multinational, and Japanese corporations, wealth management services through Sinaya, as well as digital banking services for digital-savvy communities through Jenius. The company's segment includes: Retail, MSME, Funding and Treasury, Corporate, Sharia, and Financing. The company generates the majority of its revenue from Retail segment.
46GF Score

Get the complete analysis for ISX:BTPN

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp2,170.00
Price
Rp2,362.22
GF Value