PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) OCF Margin %: -435.23% (As of Mar. 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 OCF Margin %?

PT Bank Tabungan Negara (Persero) Tbk STU:TA2 81 OCF Margin % is -435.23% as of Mar. 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. Among 1,501 Banks companies, PT Bank Tabungan Negara (Persero) Tbk ranks worse than 65.96% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. PT Bank Tabungan Negara (Persero) Tbk's Cash Flow from Operations for the three months ended in Mar. 2026 was €-1,098 Mil. PT Bank Tabungan Negara (Persero) Tbk's Revenue for the three months ended in Mar. 2026 was €252 Mil. Therefore, PT Bank Tabungan Negara (Persero) Tbk's OCF Margin % for the quarter that ended in Mar. 2026 was -435.23%.

As of today, PT Bank Tabungan Negara (Persero) Tbk's current OCF Yield % is 21.30%.

The historical rank and industry rank for PT Bank Tabungan Negara (Persero) Tbk's OCF Margin % or its related term are showing as below:

STU:TA2' s OCF Margin % Range Over the Past 10 Years
Min: -136.36   Med: 24.27   Max: 240.96
Current: 19.53


During the past 13 years, the highest OCF Margin % of PT Bank Tabungan Negara (Persero) Tbk was 240.96%. The lowest was -136.36%. And the median was 24.27%.

STU:TA2's OCF Margin % is ranked worse than
65.96% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs STU:TA2: 19.53


PT Bank Tabungan Negara (Persero) Tbk OCF Margin % Related Terms


PT Bank Tabungan Negara (Persero) Tbk OCF Margin % Historical Data

* Premium members only.

The historical data trend for PT Bank Tabungan Negara (Persero) Tbk's OCF Margin % can be seen below:

* 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.

PT Bank Tabungan Negara (Persero) Tbk OCF Margin % Chart

PT Bank Tabungan Negara (Persero) Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 63.99 7.80 40.73 -59.78 114.57

PT Bank Tabungan Negara (Persero) Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -18.17 163.77 527.29 -111.04 -435.23

PT Bank Tabungan Negara (Persero) Tbk OCF Margin % Competitor Comparison

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

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

* The bar in red indicates where PT Bank Tabungan Negara (Persero) Tbk's OCF Margin % falls into.


STU:TA2
81GF Score
PT Bank Tabungan Negara (Persero) Tbk STU:TA2
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Tabungan Negara (Persero) Tbk OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

PT Bank Tabungan Negara (Persero) Tbk's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=1243.391/1085.3
=114.57 %

PT Bank Tabungan Negara (Persero) Tbk's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-1097.565/252.18
=-435.23 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -435.23% mean?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a OCF Margin % of -435.23% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PT Bank Tabungan Negara (Persero) Tbk and its competitors. According to the industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #990 out of 1501 companies in the Banks industry, placing it in the top 66%.
Is PT Bank Tabungan Negara (Persero) Tbk's OCF Margin % too high?
PT Bank Tabungan Negara (Persero) Tbk's current OCF Margin % is -435.23%. Based on the distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #990 out of 1501 companies in the Banks industry, which is below the industry midpoint. 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 OCF Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #990 out of 1501 companies for OCF Margin %. This places PT Bank Tabungan Negara (Persero) Tbk in the lower half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PT Bank Tabungan Negara (Persero) Tbk and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Tabungan Negara (Persero) Tbk's current OCF Margin % is -435.23%. 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 OCF Margin % of -435.23%. 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 OCF Margin % is -435.23%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For PT Bank Tabungan Negara (Persero) Tbk (STU:TA2), the current OCF Margin % is -435.23% as of Mar. 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:

  • OCF Margin %: -435.23%
  • 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

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

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