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PT Bank BTPN Syariah Tbk (BTPS.JK)
Jakarta Selatan, ID
PT Bank BTPN Syariah Tbk operates in Indonesia, providing a wide array of banking products and services. Its core offerings include funding and financing options, alongside transactional services like bill payments, mobile airtime top-ups, fund transfers, and cash management (deposits and withdrawals). The bank further extends its reach through mobile banking, savings account facilities, and ATM access. It maintains a substantial operational presence, encompassing 23 full branch offices, 42 active functional offices, 3 administrative functional offices, 5 dedicated sharia bank service points, and 9 automated teller machines. Founded in 1991, the company was formerly known as PT Bank Tabungan Pensiunan Nasional Syariah Tbk and is headquartered in Jakarta Selatan, Indonesia. It functions as a subsidiary of PT Bank BTPN Tbk.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -4.12% | -4.12% | -7.00% | -19.13% | -29.28% | -23.14% | -25.30% | -53.15% | -67.93% | -36.30% | -36.30% |
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 | 1 | 0 |
| Buy | 6 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+6.9% Q1'26: +6.8% (vs Q1'25)
-
EPS growth+13.2% Q1'26: +2.8% (vs Q1'25)
-
FCF margin— Q1'26: +16.7% (vs Q1'25)
-
EBIT margin— Q1'26: +32.4% (vs Q1'25)
-
ROIC— Q1'26: +14.6% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 0.02× (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 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. 6 EPS Ana. |
Dec 2027 7 Rev. Ana. 7 EPS Ana. |
Dec 2028 6 Rev. Ana. 6 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
3.09T
est: 3.08T (+0.2%)
|
3.94T
est: 3.84T (+2.5%)
|
3.55T
est: 3.57T (-0.5%)
|
4.30T
est: 4.29T (+0.2%)
|
5.04T
est: 5.02T (+0.4%)
|
5.26T
est: 3.27T (+61.1%)
|
4.88T
est: 5.01T (-2.8%)
|
5.21T
est: 4.87T (+6.9%)
|
5.08T
4.94T – 5.29T
+4.3% YoY
|
5.53T
5.18T – 5.98T
+8.8% YoY
|
5.93T
5.91T – 5.96T
+7.4% YoY
|
| EBITDA |
1.40T
est: 1.21T (+15.8%)
|
1.98T
est: 1.51T (+30.9%)
|
1.31T
est: 1.40T (-6.8%)
|
2.05T
est: 1.69T (+21.3%)
|
2.48T
est: 1.98T (+25.5%)
|
1.60T
est: 1.26T (+26.5%)
|
1.60T
est: 1.94T (-17.6%)
|
1.73T
est: 1.88T (-7.9%)
|
1.96T
1.91T – 2.04T
+4.3% YoY
|
2.13T
2.00T – 2.31T
+8.8% YoY
|
2.29T
2.28T – 2.30T
+7.4% YoY
|
| EBIT |
1.30T
est: 1.08T (+20.8%)
|
1.88T
est: 1.34T (+40.0%)
|
1.12T
est: 1.25T (-9.8%)
|
1.88T
est: 1.50T (+25.3%)
|
2.28T
est: 1.75T (+30.1%)
|
1.38T
est: 1.13T (+22.1%)
|
1.35T
est: 1.73T (-22.0%)
|
1.57T
est: 1.69T (-7.1%)
|
1.76T
1.71T – 1.83T
+4.3% YoY
|
1.91T
1.79T – 2.07T
+8.8% YoY
|
2.05T
2.04T – 2.06T
+7.4% YoY
|
| Net Income |
965.31B
est: 953.33B (+1.3%)
|
1.40T
est: 1.33T (+5.1%)
|
854.61B
est: 870.35B (-1.8%)
|
1.47T
est: 1.47T (-0.6%)
|
1.78T
est: 1.79T (-0.7%)
|
1.08T
est: 880.11B (+22.8%)
|
1.06T
est: 1.07T (-0.9%)
|
1.20T
est: 1.21T (-0.7%)
|
1.35T
1.28T – 1.40T
+11.5% YoY
|
1.47T
1.22T – 1.67T
+9.3% YoY
|
1.59T
1.22T – 1.83T
+8.0% YoY
|
| SGA |
124.01B
est: 85.58B (+44.9%)
|
129.77B
est: 106.80B (+21.5%)
|
112.81B
est: 99.16B (+13.8%)
|
108.31B
est: 119.22B (-9.2%)
|
131.41B
est: 139.60B (-5.9%)
|
125.98B
est: 95.76B (+31.6%)
|
155.91B
est: 146.90B (+6.1%)
|
205.15B
est: 142.79B (+43.7%)
|
148.88B
144.63B – 155.01B
+4.3% YoY
|
162.00B
151.72B – 175.33B
+8.8% YoY
|
173.91B
173.08B – 174.74B
+7.4% YoY
|
| EPS |
129.82
est: 123.76 (+4.9%)
|
181.69
est: 172.88 (+5.1%)
|
110.97
est: 112.99 (-1.8%)
|
190.22
est: 191.25 (-0.5%)
|
231.04
est: 232.76 (-0.7%)
|
140.27
est: 114.25 (+22.8%)
|
137.77
est: 137.62 (+0.1%)
|
155.93
est: 160.73 (-3.0%)
|
173.47
165.75 – 181.66
+7.9% YoY
|
194.15
158.20 – 216.23
+11.9% YoY
|
211.88
158.20 – 237.39
+9.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 4/5 | 3/5 | 3/5 |
| 2026-05-26 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 4/5 | 3/5 | 3/5 |
| 2026-05-25 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 4/5 | 3/5 | 3/5 |
| 2026-05-22 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 4/5 | 3/5 | 3/5 |
| 2026-05-21 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 4/5 | 3/5 | 3/5 |
| 2026-05-20 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 4/5 | 3/5 | 3/5 |
| 2026-05-19 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 4/5 | 3/5 | 3/5 |
| 2026-05-18 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 4/5 | 3/5 | 3/5 |
| 2026-05-13 | S- | 5/5 | 5/5 | 4/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-12 | S- | 5/5 | 5/5 | 4/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-11 | S- | 5/5 | 5/5 | 4/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-08 | S- | 5/5 | 5/5 | 4/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-07 | S- | 5/5 | 5/5 | 4/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-06 | S- | 5/5 | 5/5 | 4/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-05 | S- | 5/5 | 5/5 | 4/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-04 | S- | 5/5 | 5/5 | 4/5 | 5/5 | 4/5 | 4/5 | 4/5 |
| 2026-04-30 | A+ | 5/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-29 | A+ | 5/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-28 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-27 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-24 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-23 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-22 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-21 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-20 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.02% | 145.0K | 0.65% |
| 2 | WisdomTree Emerging Markets SmallCap Dividend Fund DGS | 0.02% | 279.7K | 0.58% |
| 3 | WisdomTree Emerging Markets SmallCap Dividend UCITS ETF DGSD.L | 0.01% | 6.5K | 0.54% |
| 4 | Avantis Emerging Markets Small Cap Equity ETF AVEE | 0.01% | 15.8K | 0.42% |
| 5 | Avantis Emerging Markets ex-China Equity ETF AVXC | 0.01% | 20.7K | 0.33% |
| 6 | Avantis Responsible Emerging Markets Equity ETF AVSE | 0.00% | 10.8K | 0.33% |
| 7 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.00% | 12.9K | 0.56% |
| 8 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.00% | 343.0K | 0.06% |
| 9 | Dimensional - Emerging Markets Value ETF DFEV | 0.00% | 41.9K | 0.46% |
| 10 | Dimensional - Emerging Markets Core Equity 2 ETF DFEM | 0.00% | 126.0K | 0.39% |
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 |
|---|---|---|---|
| Ainul Yaqin | Corporation & Marketing Communication Head | — | male |
| Andrew Adhitia | Financial Planning, Control & Analytic Head | — | — |
| Arief Ismail | Director of Compliance & Risk, Corporate Secretary and Director | — | male |
| Dharma Putera | Risk Management Head | — | male |
| Dwi Prasetya ST. | Funding and New Business Planning & Support Head | — | male |
| Dwiyono Bayu Winantio | Chief of Financing Business & Director | — | male |
| Fachmy Achmad | Finance, Treasury & Operations Director and Director | — | male |
| Firmansyah | Distribution Head 1 | — | — |
| Gatot Adhi Prasetyo | Head of Internal Audit | — | male |
| Hadi Wibowo | President Director | — | male |
| Helmy Pusparini | Corporate Financing Business Head | — | — |
| Her Purwoko | Corporate Information Security Head | — | — |
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 BTPS.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.
