PT Bank Tabungan Negara (Persero) Tbk (ISX:BBTN) Altman Z2-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ISX:BBTN PT Bank Tabungan Negara (Persero) Tbk ISX:BBTN
81 GF Score
Price Rp1,205.00
GF Value Rp1,586.71
Valuation Modestly Undervalued
! 3 Warning Signs
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What is PT Bank Tabungan Negara (Persero) Tbk Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

ISX:BBTN
81GF Score
PT Bank Tabungan Negara (Persero) Tbk ISX:BBTN
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT Bank Tabungan Negara (Persero) Tbk (ISX:BBTN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk stock appears to be undervalued. The current stock price of Rp1,205.00 is trading 24.1% below its estimated GF Value™ of Rp1,586.71. GuruFocus considers PT Bank Tabungan Negara (Persero) Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BBTN:

  • Altman Z2-Score:
  • GF Value™: Rp1,586.71 vs. price of Rp1,205.00 (24.1% below fair value)
  • GF Score™: 81/100 with 3 warning signs

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

PT Bank Tabungan Negara (Persero) Tbk Business Description

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

Get the complete analysis for ISX:BBTN

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp1,205.00
Price
Rp1,586.71
GF Value