OTC · Banks - Regional

PT Bank Negara Indonesia (Persero) Tbk (PTBRY) Stock

$9.50 -1.55% OTC: PTBRY Financial Services

PT Bank Negara Indonesia (Persero) Tbk, along with its affiliated entities, delivers a comprehensive suite of financial solutions across Indonesia, the United States, Europe, and Asia. Its core deposit offerings include checking, savings, and money market accounts, alongside various time deposit products.

Valuation

MetricValue
Price$9.50
Market Cap$7.09B
P/E Ratio4.12
P/B Ratio0.77
P/S Ratio0.89
EPS (TTM)$2.31
52-Week High$14.99
52-Week Low$8.39
Dividend Yield—

Financials & Margins

MetricValue
ROE18.56%
ROA2.11%
ROCE2.70%
Gross Margin57.41%
Operating Margin26.45%
Net Margin21.68%
Debt/Equity0.78
Current Ratio1.88

Annual Financials (USD)

Metric20212022202320242025
Revenue$68.79T$74.62T$81.78T$61.98T$90.14T
Operating Profit$12.55T$22.69T$25.64T$27.28T$24.61T
Net Profit$10.90T$18.31T$20.91T$21.46T$20.22T
EPS$14629.50$24562.50$28061.50$28773.50$27100.00
Op Margin18.2%30.4%31.4%44.0%27.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$964.84T$1029.84T$1086.66T$1129.81T$1362.05T
Total Liabilities$838.32T$889.64T$931.93T$962.62T$1185.72T
Cash$174.23T$163.86T$157.82T$105.44T$153.46T
Borrowings$49.21T$52.84T$46.29T$70.44T$91.41T

Latest News

PT Bank Negara Indonesia (Persero) Tbk (PTBRY) (Q2 2026) Earnings Call Highlights: Record Core ... GuruFocus.com · Aug 7, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$97.48T$19.95T$10.39T$-63.22T$25.59T
Investing Cash Flow$-17.51T$-34.67T$-13.13T$-8.38T$-29.58T
Financing Cash Flow$-1.02T$700.9B$3.59T$7.56T$-9.21T
Net Cash Flow$46.43T$-9.44T$-9.02T$-50.80T$48.78T
Free Cash Flow$95.63T$17.51T$8.04T$-66.32T$22.65T

Valuation & Return Ratios

MetricValue
PEG Ratio1.23
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y-16.51%
Return 3Y—
Return 5Y—

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BDOUYBDO Unibank, Inc. $20.05 -0.72% 7.52 $10.69B 3.59%
BKKLYBangkok Bank Public Company Limited $30.35 +1.69% 8.73 $11.58B 8.11%
BKRKYPT Bank Rakyat Indonesia (Persero) Tbk $8.41 -1.29% 7.84 $25.33B 14.03%
BPHLFBank of the Philippine Islands $2.00 +0.00% 9.74 $10.59B 4.00%
HDBHDFC Bank Limited $22.76 +0.80% 14.04 $116.74B 3.68%

About PT Bank Negara Indonesia (Persero) Tbk

PT Bank Negara Indonesia (Persero) Tbk, along with its affiliated entities, delivers a comprehensive suite of financial solutions across Indonesia, the United States, Europe, and Asia. Its core deposit offerings include checking, savings, and money market accounts, alongside various time deposit products. Extending credit, the bank facilitates property acquisitions—encompassing homes, apartments, commercial units, and land plots—along with funding for construction, renovation, refinancing, and even pension requirements. Modern banking is supported by debit and credit cards, alongside digital access points such as SMS, internet, and mobile banking, complemented by an extensive ATM network. For businesses, BNI provides treasury management and robust transactional banking solutions covering payments, collections, liquidity management, and critical information services. The institution also offers various small and long-term financing options, including working capital, investment credit, bank guarantees, and letters of credit. Additionally, it offers customer analysis and portfolio management advice. Its market-oriented services span foreign exchange, a range of investment vehicles like government, retail, and corporate bonds, and transactional derivatives. A dedicated web platform, BNIFX, enables direct digital forex transactions with its treasury dealers, further supporting local currency settlement. Trade finance capabilities are extensive, covering both export and import letters of credit (LCs) and non-LC transactions, standby LCs, bill collection financing, open account financing, and the digital BNI Trade Online platform for streamlined online trade transaction requests. BNI caters to a diverse array of sectors, including agriculture, telecommunications, food and beverage, energy (oil and gas), mining, chemicals, construction, electricity generation, and both wholesale and retail industries. As of December 31, 2021, the institution boasted a substantial operational footprint: 195 full-service domestic branches, 1,097 sub-branches, and an additional 874 outlets across Indonesia. Globally, it maintained five overseas branches situated in Singapore, Hong Kong, Tokyo, London, and Seoul, alongside a representative office in New York. Established in 1946, PT Bank Negara Indonesia (Persero) Tbk is headquartered in Jakarta Pusat, Indonesia.

PT Bank Negara Indonesia (Persero) Tbk is headquartered in ID.

PT Bank Negara Indonesia (Persero) Tbk (PTBRY) stock trades at $9.50 with a market capitalization of $7.09B. The stock is valued at a price-to-earnings (P/E) ratio of 4.12, price-to-book of 0.77, price-to-sales of 0.89. Over the past 52 weeks the stock has ranged between $8.39 and $14.99, and currently trades 36.6% below its 52-week high.

On profitability, PT Bank Negara Indonesia (Persero) Tbk generates a return on equity (ROE) of 18.56%, above the typical market range of roughly 12-15%, return on capital employed of 2.70%, an operating margin of 26.45%, a net profit margin of 21.68%.

Official website: www.bni.co.id

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