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PT Bank CIMB Niaga Tbk (BNGA.JK)
Jakarta, JK, ID
PT Bank CIMB Niaga Tbk, together with its subsidiaries, provides various banking products and services in Indonesia and internationally. The company offers saving, current, and time and term deposit products; Sharia and payroll savings products; credit and debit cards; mortgages and loans; distributes and supplies financing services; treasury products, such as foreign exchange, strike currency, bond and market-linked deposits, swap deposit, hedging instruments, and investment products; and mutual funds and endowment services. It also provides individual loans, such as mortgages, OCTO loan, joint financing, consumer loan products with cash and securities as collateral, and other loans; Sharia individual financing and indirect auto financing products; working capital, investment, and syndicated loans; Sharia hedging; bank notes and a range of bonds; and account receivable, account payable, pre-shipment, and supply chain financing. In addition, the company offers bank draft, special fund transfer, preferred collection, cash mobile and pick up, cash sweeping, and safe deposit box services; trustee and agency services, custodian services, factoring, and letter of credit; and electronic access facilities, including operation of automatic teller machine, and digital and mobile banking services. Further, it provides state treasury notes and government guarantee instruments; bancassurance products, such as Sharia based insurance products, life and health insurance, mortgage credit life insurance, personal loan credit life insurance, travel insurance, and credit protector insurance; and cash management, remittance, trade finance, and value chain services. The company was formerly known as PT Bank Niaga Tbk and changed its name to PT Bank CIMB Niaga Tbk in May 2008. The company was founded in 1955 and is headquartered in Jakarta, Indonesia. PT Bank CIMB Niaga Tbk is a subsidiary of CIMB Group Sdn. Bhd.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.31% | -2.12% | -3.29% | -12.70% | -9.01% | -8.76% | -6.92% | +11.00% | +65.64% | +225.60% | +555.46% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 4 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+62.3% Q1'26: +59.2% (vs Q1'25)
-
EPS growth+0.7% Q1'26: -2.2% (vs Q1'25)
-
FCF margin— Q1'26: +49.3% (vs Q1'25)
-
EBIT margin— Q1'26: +30.0% (vs Q1'25)
-
ROIC— Q1'26: +10.1% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.67× (vs Q1'25)
* 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.
| 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 5 Rev. Ana. 5 EPS Ana. |
Dec 2027 5 Rev. Ana. 5 EPS Ana. |
Dec 2028 4 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
24.66T
est: 14.04T (+75.6%)
|
24.40T
est: 14.98T (+62.9%)
|
23.76T
est: 15.52T (+53.1%)
|
24.12T
est: 16.00T (+50.8%)
|
25.95T
est: 17.73T (+46.4%)
|
24.44T
est: 15.63T (+56.4%)
|
23.50T
est: 17.36T (+35.3%)
|
24.51T
est: 18.57T (+32.0%)
|
27.72T
est: 16.88T (+64.2%)
|
18.94T
est: 19.74T (-4.0%)
|
30.74T
est: 19.12T (+60.7%)
|
20.61T
19.67T – 21.91T
+7.7% YoY
|
21.80T
20.37T – 23.08T
+5.8% YoY
|
23.20T
21.91T – 24.61T
+6.4% YoY
|
| EBITDA |
646.10B
est: 2.62T (-75.3%)
|
2.93T
est: 2.79T (+4.8%)
|
4.22T
est: 2.89T (+46.0%)
|
4.92T
est: 2.98T (+64.9%)
|
5.12T
est: 3.31T (+55.0%)
|
3.09T
est: 2.91T (+6.0%)
|
5.32T
est: 3.24T (+64.4%)
|
6.70T
est: 3.46T (+93.7%)
|
8.48T
est: 3.76T (+125.7%)
|
—
est: 4.40T (-100.0%)
|
9.44T
est: 4.26T (+121.7%)
|
4.59T
4.38T – 4.88T
+7.7% YoY
|
4.85T
4.54T – 5.14T
+5.8% YoY
|
5.17T
4.88T – 5.48T
+6.4% YoY
|
| EBIT |
570.00B
est: 2.54T (-77.6%)
|
2.85T
est: 2.71T (+5.1%)
|
4.16T
est: 2.81T (+47.9%)
|
4.85T
est: 2.90T (+67.5%)
|
4.95T
est: 3.21T (+54.4%)
|
2.95T
est: 2.83T (+4.2%)
|
5.19T
est: 3.14T (+65.2%)
|
6.58T
est: 3.36T (+95.8%)
|
8.36T
est: 3.62T (+131.0%)
|
-120.81B
est: 4.23T (-102.9%)
|
8.83T
est: 4.10T (+115.3%)
|
4.42T
4.22T – 4.70T
+7.7% YoY
|
4.67T
4.37T – 4.95T
+5.8% YoY
|
4.97T
4.70T – 5.28T
+6.4% YoY
|
| Net Income |
427.83B
est: 641.88B (-33.3%)
|
2.08T
est: 1.54T (+34.9%)
|
2.98T
est: 2.63T (+13.2%)
|
3.48T
est: 3.44T (+1.3%)
|
3.65T
est: 3.63T (+0.4%)
|
2.01T
est: 2.20T (-8.6%)
|
4.10T
est: 3.87T (+6.0%)
|
5.04T
est: 4.73T (+6.7%)
|
6.47T
est: 6.65T (-2.6%)
|
6.83T
est: 6.87T (-0.7%)
|
6.88T
est: 6.84T (+0.6%)
|
7.30T
6.84T – 7.81T
+6.8% YoY
|
7.77T
6.86T – 8.41T
+6.5% YoY
|
8.15T
7.17T – 8.85T
+4.8% YoY
|
| SGA |
2.32T
est: 1.64T (+41.0%)
|
2.49T
est: 1.75T (+41.9%)
|
2.23T
est: 1.82T (+22.8%)
|
2.77T
est: 1.87T (+47.9%)
|
2.77T
est: 2.07T (+33.6%)
|
2.56T
est: 1.83T (+40.2%)
|
2.62T
est: 2.03T (+28.9%)
|
2.77T
est: 2.17T (+27.7%)
|
2.82T
est: 2.21T (+27.6%)
|
2.92T
est: 2.58T (+13.0%)
|
5.33T
est: 2.50T (+113.1%)
|
2.69T
2.57T – 2.86T
+7.7% YoY
|
2.85T
2.66T – 3.02T
+5.8% YoY
|
3.03T
2.86T – 3.22T
+6.4% YoY
|
| EPS |
17.02
est: 25.54 (-33.4%)
|
82.83
est: 61.42 (+34.9%)
|
118.50
est: 104.67 (+13.2%)
|
139.67
est: 136.75 (+2.1%)
|
146.21
est: 144.51 (+1.2%)
|
80.72
est: 87.57 (-7.8%)
|
164.48
est: 153.95 (+6.8%)
|
202.21
est: 188.80 (+7.1%)
|
259.45
est: 265.43 (-2.3%)
|
271.59
est: 270.13 (+0.5%)
|
273.53
est: 278.75 (-1.9%)
|
282.81
271.91 – 310.70
+1.5% YoY
|
297.49
272.90 – 334.56
+5.2% YoY
|
324.71
285.34 – 352.00
+9.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-26 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-25 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-22 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-21 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-20 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-19 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-18 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-13 | A | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-12 | A | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-11 | A | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-08 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-07 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-06 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-05 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-04 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-29 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-28 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-24 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-15 | A | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| John Simon | Director of Treasury & Capital Market and Director | — | male |
| Joni Raini | Human Resources Director & Director | — | male |
| Lan Siem Oei | Director of Compliance, Corporate Affairs & Legal, Corporate Secretary and Director | — | female |
| Lani Darmawan | President Director & Chief Executive Officer | — | female |
| Lee Kai Kwong | CFO, CTO, Head of Finance & Director | — | male |
| Megawati Sutanto | Chief Special Asset Officer | — | female |
| Rico Usthavia Frans | Operations & Technology, Analytics and AI Director & Director | — | male |
| Sjarif Hartady Gunawan | Head of Sales | — | male |
| Surya Kirana Sulistiyo | Head of Legal & General Counsel | — | male |
| Toni Darusman | Head of Marketing, Brand & Customer Experience | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BNGA.JK
Short-term intention
Target Price Distribution
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.
