PPERF (PT Bank Mandiri (Persero) Tbk) Moat Score: 6/10 (As of Jul. 01, 2026)


PPERF PT Bank Mandiri (Persero) Tbk PPERF
58 GF Score
Price $0.24
GF Value $0.46
Valuation Significantly Undervalued
! 5 Warning Signs
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What is PT Bank Mandiri (Persero) Tbk Moat Score?

PT Bank Mandiri (Persero) Tbk PPERF 58 Moat Score is 6 as of Jul. 01, 2026. GuruFocus rates PPERF with a GF Score™ of 58/100 and a GF Value™ of $0.46 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, PT Bank Mandiri (Persero) Tbk ranks better than 97.83% on this metric.

PT Bank Mandiri (Persero) Tbk has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

PT Bank Mandiri (Persero) Tbk has Narrow Moat: Bank Mandiri has a strong narrow moat with a leading market position in Indonesia, supported by regulatory barriers and a strong brand. However, it faces competition from other large banks and lacks significant global presence.

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 Mandiri (Persero) Tbk might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

PT Bank Mandiri (Persero) Tbk  (OTCPK:PPERF) 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 Mandiri (Persero) Tbk Moat Score Related Terms

PT Bank Mandiri (Persero) Tbk Moat Score Competitor Comparison

For the Banks - Regional subindustry, PT Bank Mandiri (Persero) Tbk's Moat Score, along with its competitors' market caps and Moat Score 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 Mandiri (Persero) Tbk Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Mandiri (Persero) Tbk's Moat Score distribution charts can be found below:

* The bar in red indicates where PT Bank Mandiri (Persero) Tbk's Moat Score falls into.


PPERF
58GF Score
PT Bank Mandiri (Persero) Tbk PPERF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
PT Bank Mandiri (Persero) Tbk (PPERF) has a Moat Score of 6 as of Jul. 01, 2026. 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. According to the industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #35 out of 1611 companies in the Banks industry, placing it in the top 2.2%.
Is PT Bank Mandiri (Persero) Tbk's Moat Score too high?
PT Bank Mandiri (Persero) Tbk's current Moat Score is 6. Based on the distribution chart, PT Bank Mandiri (Persero) Tbk ranks #35 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Mandiri (Persero) Tbk has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Mandiri (Persero) Tbk's Moat Score compare to competitors?
According to the Banks industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #35 out of 1611 companies for Moat Score. This places PT Bank Mandiri (Persero) Tbk in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. 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. PT Bank Mandiri (Persero) Tbk's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Mandiri (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk (PPERF) is currently considered Significantly Undervalued. The stock's GF Value™ is $0.46, compared to a current price of $0.24 — trading 48.6% below its estimated fair value. The current Moat Score is 6. PT Bank Mandiri (Persero) Tbk's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For PT Bank Mandiri (Persero) Tbk (PPERF), the current Moat Score is 6 as of Jul. 01, 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 Mandiri (Persero) Tbk (PPERF) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk stock appears to be undervalued. The current stock price of $0.24 is trading 48.6% below its estimated GF Value™ of $0.46. GuruFocus considers PT Bank Mandiri (Persero) Tbk to be Significantly Undervalued.

Key valuation signals for PPERF:

  • Moat Score: 6
  • GF Value™: $0.46 vs. price of $0.24 (48.6% below fair value)
  • GF Score™: 58/100 with 5 warning signs

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

PT Bank Mandiri (Persero) Tbk Business Description

Address Jl. Jenderal Sudirman Kav.54-55, Menara Mandiri 1, Jakarta, IDN, 12190
PT Bank Mandiri (Persero) Tbk is engaged in the provision of banking services. Its services include collecting funds from the public in forms of current accounts, term deposits, deposit certificates, savings, and/or other equivalent forms; Lending; Issuing promissory notes; Purchasing, selling, or guaranteeing on own risk or for the interest of and upon orders of the customers; and money transfer for self- interest or customers' interest. Its segments include the Wholesale segment and the Retail segment. Geographically, it operates in Indonesia, Asia (Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia), Western Europe (United Kingdom), and the Cayman Islands.
58GF Score

Get the complete analysis for PPERF

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

$0.24
Price
$0.46
GF Value