PT Bank Btpn Syariah Tbk (ISX:BTPS) Moat Score: 0/10 (As of Jul. 11, 2026)


ISX:BTPS PT Bank Btpn Syariah Tbk ISX:BTPS
81 GF Score
Price Rp1,005.00
GF Value Rp1,223.20
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT Bank Btpn Syariah Tbk Moat Score?

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

PT Bank Btpn Syariah 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 Btpn Syariah Tbk might have No Moat - No discernible moat.

PT Bank Btpn Syariah Tbk  (ISX:BTPS) 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 Btpn Syariah Tbk Moat Score Related Terms

ISX:BTPS
81GF Score
PT Bank Btpn Syariah Tbk ISX:BTPS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT Bank Btpn Syariah Tbk (ISX:BTPS) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Btpn Syariah Tbk stock appears to be undervalued. The current stock price of Rp1,005.00 is trading 17.8% below its estimated GF Value™ of Rp1,223.20. GuruFocus considers PT Bank Btpn Syariah Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BTPS:

  • Moat Score: 0
  • GF Value™: Rp1,223.20 vs. price of Rp1,005.00 (17.8% below fair value)
  • GF Score™: 81/100 with 2 warning signs

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

PT Bank Btpn Syariah Tbk Business Description

Address Jalan Dr. Ide Anak Agung Gde Agung Kav 5.5-5.6, Menara BTPN, 12th Floor, CBD Mega Kuningan, South Jakarta, Jakarta, IDN, 12950
PT Bank Btpn Syariah Tbk is a bank that operates its business in one segment, financing using murabahah contract for the productive poor community. The company's primary focus is to provide services for empowering the inclusive communities customers and developing financial inclusion by providing different kinds of funding and financing solutions, such as Tepat Tabungan Syariah, Tepat Deposito, Tepat Pembiayaan Syariah Individu, and others, to its customers. The operating segments include: Jawa, Bali & Nusa, Tenggara Sumatera, and Kalimantan & Sulawesi.
81GF Score

Get the complete analysis for ISX:BTPS

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

Rp1,005.00
Price
Rp1,223.20
GF Value