Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PT Bank Btpn Syariah TbkISX:BTPS 79 PB Ratio is 0.77 as of Jul. 21, 2026, which is 74% below its 10-year median of 3.00. GuruFocus rates ISX:BTPS with a GF Score™ of 79/100 and a GF Value™ of Rp1,225.93 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,514 Banks companies, PT Bank Btpn Syariah Tbk ranks better than 76.68% on this metric.
The historical rank and industry rank for PT Bank Btpn Syariah Tbk's PB Ratio or its related term are showing as below:
ISX:BTPS'
s PB Ratio Range Over the Past 10 Years
Min: 0.64 Med: 3 Max: 6.98
Current: 0.77
During the past 11 years, PT Bank Btpn Syariah Tbk's highest PB Ratio was 6.98. The lowest was 0.64. And the median was 3.00.
ISX:BTPS's PB Ratio is ranked better than 76.68% of 1514
companies
in the Banks industry
Industry Median: 1.11
vs ISX:BTPS: 0.77
During the past 12 months, PT Bank Btpn Syariah Tbk's average Book Value Per Share Growth Rate was 6.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 23.80% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Bank Btpn Syariah Tbk was 50.40% per year. The lowest was 5.80% per year. And the median was 18.50% per year.
Back to Basics: PB Ratio
PT Bank Btpn Syariah Tbk (ISX:BTPS) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 Btpn Syariah Tbk PB Ratio Competitor Comparison
For the Banks - Regional subindustry, PT Bank Btpn Syariah Tbk's PB Ratio, along with its competitors' market caps and PB Ratio 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 Btpn Syariah Tbk PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Btpn Syariah Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Bank Btpn Syariah Tbk's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PT Bank Btpn Syariah Tbk (ISX:BTPS) has a PB Ratio of 0.77 as of Jul. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Btpn Syariah Tbk and its competitors. This is 74% below median its historical median of 3.00. Over the past decade, PT Bank Btpn Syariah Tbk's PB Ratio has ranged from 0.64 to 6.98. According to the industry distribution chart, PT Bank Btpn Syariah Tbk ranks #353 out of 1514 companies in the Banks industry, placing it in the top 23.3%.
Is PT Bank Btpn Syariah Tbk's PB Ratio too high?
PT Bank Btpn Syariah Tbk's current PB Ratio of 0.77 is 74% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 6.98. The Banks industry median PB Ratio is 1.11. PT Bank Btpn Syariah Tbk's value of 0.77 is 30.6% below this industry median. Based on the distribution chart, PT Bank Btpn Syariah Tbk ranks #353 out of 1514 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Btpn Syariah Tbk has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Btpn Syariah Tbk's PB Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Btpn Syariah Tbk ranks #353 out of 1514 companies for PB Ratio. This places PT Bank Btpn Syariah Tbk in the top 23% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. PT Bank Btpn Syariah Tbk's value of 0.77 is 30.6% below this benchmark. Historically, PT Bank Btpn Syariah Tbk's own PB Ratio has ranged from 0.64 to 6.98 over the past decade. While the company's 10-year median is 3.00 vs. the industry median of 1.11, PT Bank Btpn Syariah Tbk has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Btpn Syariah Tbk's current PB Ratio of 0.77 is 30.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Btpn Syariah Tbk and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Btpn Syariah Tbk's current PB Ratio is 0.77, which is 74% below median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Btpn Syariah Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Btpn Syariah Tbk (ISX:BTPS) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp1,225.93, compared to a current price of Rp1,030.00 — trading 16% below its estimated fair value. The current PB Ratio is 0.77, which is 74% below median its 10-year median of 3.00 and 30.6% below the Banks industry median of 1.11. PT Bank Btpn Syariah Tbk's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PT Bank Btpn Syariah Tbk (ISX:BTPS), the current PB Ratio is 0.77 as of Jul. 21, 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 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 Rp1,030.00 is trading 16% below its estimated GF Value™ of Rp1,225.93.
GuruFocus considers PT Bank Btpn Syariah Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BTPS:
PB Ratio: 0.77 (74% below median its 10-year median of 3.00)
GF Value™: Rp1,225.93 vs. price of Rp1,030.00 (16% below fair value)
Industry Position: 30.6% below the Banks median (#353 of 1514)
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 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.
79GF Score
Get the complete analysis for ISX:BTPS
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:BTPS has been successfully added to your 
