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PT Bank Permata Tbk (BNLI.JK)
Jakarta, JK, ID
PT Bank Permata Tbk provides corporate, commercial, and consumer banking products and services in Indonesia. It offers savings and current accounts, time deposits, mutual funds, bonds, and credit cards; mortgage, personal, and working capital loan products; bancassurance, trade finance, foreign exchange, cash management, and treasury solutions; security services and agency services, as well as various digital banking services. The company was formerly known as PT Bank Bali Tbk and changed its name to PT Bank Permata Tbk in October 2002. The company was founded in 1954 and is headquartered in Jakarta, Indonesia. PT Bank Permata Tbk is a subsidiary of Bangkok Bank Public Company Limited.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.97% | +0.00% | +3.67% | -23.21% | -35.34% | -38.11% | +27.98% | +229.10% | +73.56% | +513.61% | +560.28% |
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 | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+2.7% Q1'26: -7.3% (vs Q1'25)
-
EPS growth+0.4% Q1'26: +14.6% (vs Q1'25)
-
FCF margin— Q1'26: -90.2% (vs Q1'25)
-
EBIT margin— Q1'26: +26.6% (vs Q1'25)
-
ROIC— Q1'26: +9.9% (vs Q1'25)
-
Share dilution+0.1% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.19× (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 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
17.28T
est: 10.42T (+65.9%)
|
15.70T
est: 8.59T (+82.8%)
|
13.58T
est: 8.40T (+61.7%)
|
12.18T
est: 7.63T (+59.6%)
|
13.11T
est: 7.64T (+71.6%)
|
13.45T
est: 7.85T (+71.4%)
|
13.26T
est: 9.66T (+37.3%)
|
14.46T
est: 11.56T (+25.1%)
|
17.87T
est: 12.48T (+43.2%)
|
18.93T
est: 13.42T (+41.1%)
|
19.43T
est: 13.97T (+39.1%)
|
19.48T
19.48T – 19.48T
+39.4% YoY
|
19.52T
19.52T – 19.52T
+0.2% YoY
|
| EBITDA |
559.29B
est: 2.03T (-72.5%)
|
-8.32T
est: 1.68T (-596.0%)
|
1.25T
est: 1.64T (-23.5%)
|
1.47T
est: 1.49T (-1.2%)
|
2.23T
est: 1.49T (+49.6%)
|
2.02T
est: 1.53T (+32.0%)
|
1.96T
est: 1.89T (+4.1%)
|
3.01T
est: 2.26T (+33.2%)
|
3.70T
est: 2.44T (+51.8%)
|
4.98T
est: 5.12T (-2.7%)
|
5.07T
est: 5.33T (-4.8%)
|
7.42T
7.42T – 7.42T
+39.4% YoY
|
7.44T
7.44T – 7.44T
+0.2% YoY
|
| EBIT |
293.54B
est: 1.77T (-83.4%)
|
-8.63T
est: 1.46T (-691.5%)
|
951.13B
est: 1.43T (-33.4%)
|
1.22T
est: 1.30T (-6.0%)
|
2.01T
est: 1.30T (+54.9%)
|
1.62T
est: 1.33T (+21.1%)
|
1.57T
est: 1.64T (-4.6%)
|
2.61T
est: 1.96T (+33.0%)
|
3.35T
est: 2.12T (+58.0%)
|
4.61T
est: 4.94T (-6.6%)
|
4.63T
est: 5.14T (-9.9%)
|
7.16T
7.16T – 7.16T
+39.4% YoY
|
7.18T
7.18T – 7.18T
+0.2% YoY
|
| Net Income |
247.11B
|
-6.48T
est: -9.80T (+33.9%)
|
748.43B
est: 2.20T (-66.0%)
|
901.25B
est: 767.92B (+17.4%)
|
1.50T
est: 1.57T (-4.4%)
|
721.59B
est: 907.03B (-20.4%)
|
1.23T
est: 1.24T (-0.3%)
|
2.01T
est: 2.52T (-20.2%)
|
2.59T
est: 2.27T (+13.9%)
|
3.57T
est: 3.25T (+9.8%)
|
3.59T
est: 3.74T (-4.0%)
|
3.92T
3.92T – 3.92T
+4.8% YoY
|
4.46T
4.46T – 4.46T
+13.8% YoY
|
| SGA |
1.07T
est: 877.61B (+21.5%)
|
988.70B
est: 723.52B (+36.7%)
|
1.02T
est: 707.43B (+44.2%)
|
1.06T
est: 642.73B (+65.2%)
|
1.23T
est: 643.44B (+91.7%)
|
1.21T
est: 660.93B (+82.6%)
|
1.21T
est: 813.71B (+48.2%)
|
1.36T
est: 973.99B (+39.9%)
|
1.33T
est: 1.05T (+26.3%)
|
1.36T
est: 1.05T (+30.1%)
|
1.15T
est: 1.09T (+5.3%)
|
1.52T
1.52T – 1.52T
+39.4% YoY
|
1.52T
1.52T – 1.52T
+0.2% YoY
|
| EPS |
16.10
|
-310.93
est: -271.16 (-14.7%)
|
25.35
est: 60.82 (-58.3%)
|
28.09
est: 21.24 (+32.3%)
|
46.77
est: 43.43 (+7.7%)
|
22.49
est: 25.09 (-10.4%)
|
39.03
est: 34.16 (+14.2%)
|
55.65
est: 69.78 (-20.2%)
|
71.45
est: 62.77 (+13.8%)
|
98.57
est: 89.76 (+9.8%)
|
99.00
est: 103.30 (-4.2%)
|
108.22
108.22 – 108.22
+4.8% YoY
|
123.15
123.15 – 123.15
+13.8% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-26 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-25 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-22 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-21 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-20 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-19 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-18 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-13 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-12 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-11 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-08 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-07 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-06 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-05 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-04 | B- | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-30 | B- | 2/5 | 3/5 | 3/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-29 | B- | 2/5 | 3/5 | 3/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-28 | B- | 2/5 | 3/5 | 3/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-27 | B- | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-24 | B- | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-23 | B- | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-22 | B- | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-21 | B | 3/5 | 4/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-20 | B | 3/5 | 4/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-17 | B | 3/5 | 4/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-16 | B | 3/5 | 4/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-15 | B | 3/5 | 4/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
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 |
|---|---|---|---|
| Ahmad Mikail Madjid | Director of Technology & Director | — | male |
| Dayan Sadikin | People & Culture Director and Director | — | male |
| Dhien Tjahajani | Legal & Compliance Director and Director | — | female |
| Eddie Sajoga | Branch Network Director & Director | — | male |
| Eni Widiarti Soetarso | Head of Employee Relations & HR Service Delivery Division | — | female |
| Eti Candrawati | Head of Balance Sheet Management, Corporate Planning & Investor Relations Division | — | female |
| Glenn Ranti | Division Head of Corporate Communication | — | — |
| Meliza Musa Rusli | President Director | — | female |
| Monita Tedjalesmana | Head of Commercial Banking 1 Division | — | female |
| Rudy Basyir Ahmad | Director of Sharia Business Unit, Finance Director & Director | — | 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 BNLI.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.
