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PT Bank Mandiri (Persero) Tbk (BMRI.JK)

IDR4,160.00 -90.00 (-2.12%)
ID JKT Financial Services Banks - Regional
Address Jalan Jenderal Sudirman Kav 54-55 12190
Jakarta, JK, ID
CEO Ahmad Riduan
Website bankmandiri.co.id
IPO 2003-07-14
ISIN ID1000095003

Explore sections of this company profile

Also trades on Indonesia Stock Exchange · BMRI.JK (IDR) Other OTC · PPERF (USD) Other OTC · PPERY (USD)
Description

PT Bank Mandiri (Persero) Tbk provides various banking products and services to individuals and businesses in Indonesia, Singapore, Malaysia, Hong Kong, Timor Leste, Shanghai, England, and the Cayman Islands. It offers savings and current accounts, multicurrency, payroll, NOW, and foreign currency savings accounts; personal, mortgage, micro enterprise, small and medium enterprises, working capital, and investment loans; corporate, credit, and debit cards; and e-banking services. The company also provides life, health, and accident insurance products, as well as investment products; cash management, bill collection, payment, trade finance, money transfer, remittance, and wealth management services; and treasury services, including cash transaction, hedging, and investment products. It operates branch offices, sub-branch offices, and overseas branch offices; and ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
IDR4,160.00 -90.00 (-2.12%)
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Volume Profile
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Liquidity & share structure
Average Volume
225M
Beta
-0.02
Float Shares
37.54B
Free Float %
40.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.21% -1.92% -7.06% -22.65% -15.53% -19.61% -19.61% -20.78% +36.00% +75.96% +1,852.62%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
4,160.00
DCF (Unlevered) 9,650.76 +132.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 71% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 15 0
Hold 5 0
Sell 1 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.45
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
★ Strong MOAT
  • ✓
    Revenue growth
    +15.4% Q1'26: +3.0% (vs Q1'25)
  • ✓
    EPS growth
    +0.9% Q1'26: +16.7% (vs Q1'25)
  • —
    FCF margin
    — Q1'26: -24.9% (vs Q1'25)
  • —
    EBIT margin
    — Q1'26: +41.8% (vs Q1'25)
  • —
    ROIC
    — Q1'26: +15.7% (vs Q1'25)
  • ✓
    Share dilution
    0.0% Q1'26: -0.1% (vs Q1'25)
  • —
    Debt / EBITDA
    — Q1'26: 3.30× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.02) × ERP
WACC = 58% × Ke + 42% × Kd (20.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 9,650.76 Current price: 4,160.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
16 Rev. Ana.
18 EPS Ana. 		Dec 2027
21 Rev. Ana.
19 EPS Ana. 		Dec 2028
16 Rev. Ana.
14 EPS Ana.
Revenue
88.69T
est: 64.13T (+38.3%)
91.69T
est: 72.60T (+26.3%)
94.69T
est: 77.10T (+22.8%)
101.89T
est: 83.11T (+22.6%)
110.93T
est: 88.25T (+25.7%)
115.37T
est: 84.78T (+36.1%)
120.01T
est: 103.62T (+15.8%)
136.14T
est: 122.54T (+11.1%)
154.93T
est: 131.62T (+17.7%)
176.52T
est: 146.02T (+20.9%)
203.77T
est: 153.46T (+32.8%)
159.50T
145.67T – 169.82T
+3.9% YoY
171.97T
154.79T – 189.58T
+7.8% YoY
184.85T
184.34T – 185.36T
+7.5% YoY
EBITDA
27.86T
est: 25.82T (+7.9%)
20.33T
est: 29.23T (-30.4%)
28.97T
est: 31.04T (-6.7%)
35.76T
est: 33.46T (+6.9%)
38.50T
est: 35.53T (+8.4%)
28.33T
est: 34.13T (-17.0%)
41.93T
est: 41.72T (+0.5%)
60.89T
est: 49.33T (+23.4%)
79.25T
est: 56.99T (+39.1%)
81.07T
est: 63.22T (+28.2%)
80.97T
est: 66.44T (+21.9%)
69.06T
63.07T – 73.53T
+3.9% YoY
74.46T
67.02T – 82.08T
+7.8% YoY
80.03T
79.81T – 80.25T
+7.5% YoY
EBIT
26.37T
est: 23.86T (+10.5%)
18.57T
est: 27.01T (-31.2%)
27.16T
est: 28.68T (-5.3%)
33.94T
est: 30.92T (+9.8%)
36.44T
est: 32.83T (+11.0%)
24.39T
est: 31.54T (-22.7%)
38.36T
est: 38.55T (-0.5%)
56.38T
est: 45.59T (+23.7%)
74.68T
est: 53.27T (+40.2%)
76.40T
est: 59.10T (+29.3%)
76.42T
est: 62.11T (+23.0%)
64.56T
58.96T – 68.73T
+3.9% YoY
69.60T
62.65T – 76.73T
+7.8% YoY
74.81T
74.61T – 75.02T
+7.5% YoY
Net Income
20.33T
est: 19.50T (+4.3%)
13.81T
est: 15.70T (-12.1%)
20.64T
est: 20.28T (+1.8%)
25.02T
est: 24.13T (+3.7%)
27.48T
est: 27.40T (+0.3%)
16.80T
est: 17.11T (-1.8%)
28.03T
est: 26.40T (+6.2%)
41.17T
est: 39.27T (+4.8%)
55.06T
est: 56.38T (-2.3%)
55.78T
est: 53.69T (+3.9%)
56.29T
est: 51.95T (+8.4%)
57.91T
52.73T – 62.50T
+11.5% YoY
62.00T
50.51T – 67.04T
+7.1% YoY
67.05T
55.25T – 72.28T
+8.1% YoY
SGA
9.62T
est: 7.42T (+29.5%)
10.26T
est: 8.40T (+22.0%)
11.48T
est: 8.92T (+28.6%)
12.56T
est: 9.62T (+30.5%)
13.28T
est: 10.21T (+30.0%)
13.72T
est: 9.81T (+39.8%)
14.50T
est: 11.99T (+20.9%)
16.14T
est: 14.18T (+13.8%)
16.65T
est: 16.07T (+3.6%)
19.97T
est: 17.83T (+12.0%)
30.69T
est: 18.74T (+63.8%)
19.48T
17.79T – 20.74T
+3.9% YoY
21.00T
18.90T – 23.15T
+7.8% YoY
22.57T
22.51T – 22.63T
+7.5% YoY
EPS
217.87
est: 208.92 (+4.3%)
147.93
est: 168.23 (-12.1%)
221.14
est: 217.28 (+1.8%)
268.02
est: 258.49 (+3.7%)
294.45
est: 293.56 (+0.3%)
180.09
est: 183.32 (-1.8%)
300.53
est: 282.90 (+6.2%)
441.26
est: 429.93 (+2.6%)
589.93
est: 604.06 (-2.3%)
597.67
est: 604.83 (-1.2%)
603.23
est: 560.10 (+7.7%)
614.61
565.00 – 669.70
+9.7% YoY
655.70
541.22 – 718.35
+6.7% YoY
712.77
592.05 – 774.58
+8.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-26 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-25 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-22 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-21 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-20 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-19 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-18 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-13 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-12 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-11 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-08 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-07 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-06 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-05 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-05-04 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-30 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-29 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-28 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-27 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-24 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-23 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-22 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-21 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-20 A 4/5 5/5 5/5 5/5 2/5 4/5 2/5
2026-04-17 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-16 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-15 A 4/5 5/5 5/5 5/5 1/5 4/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
45.71T
OE per share TTM
489.83
Owner's Yield
12.02%
Maintenance CapEx ratio
0.39%
Maint CapEx / Avg PPE
38.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.99B
Shares Outstanding
93.33B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Arief Ariyana Senior Executive Vice President of Corporate Banking — male
Danis Subyantoro Director of Risk Management & Director — male
Dedy Teguh Krisnawan Group Head of Legal — —
Eka Fitria Director of Human Capital & Compliance and Director — female
Josephus Koernianto Triprakoso Senior Executive Vice President of Micro & Consumer Finance — male
Laurensius Teiseran Group Head of Investor Relation — male
Novita Widya Anggraini Director of Finance & Strategy and Director — female
Riduan Ahmad President Director — male
Steven Augustino Yudiyantho Group Head of Human Capital Strategy & Talent Management — male
Timothy Utama Director of Operations & Director — male
Totok Priyambodo Director of Commercial Banking & Director — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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