1. Indonesia Stocks

  2. •

    Finance

  3. •

    Major banks
PT Bank Sinarmas Tbk

PT Bank Sinarmas Tbk

IIDX:BSIM
840.00
IDR
-5.00
(-0.59%)
14.03EPS
54.38P/E
13.80TMarket Cap
PT Bank Sinarmas Tbk
IDX:BSIM
(Indonesia Stock Exchange)

Recent

price

840.00

P/E

ratio

54.38

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
85.38
75.95
101.28
90.75
96.29
127.88
165.46
161.13
182.72
264.99
222.28
172.06
166.1
176.54
174.96
160.64
144.81
Revenue per Share
17.4
13.64
23.57
17.87
11.8
13.15
25.6
20.81
3.28
0.43
6.8
6.5
11.22
3.84
14.75
14.49
12.87
Basic EPS, GAAP
113.82
132.14
-134.39
-11.53
16.68
127.62
45.08
-66.56
-74.04
-91.75
107.52
393.11
-259.66
225.18
51.34
-37.34
-108.84
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
123.63
154.85
177.52
209.98
225.36
259.3
293.43
314.93
315.73
357.7
356.67
421.46
369.49
396.97
407.4
440.03
422.67
Book Value per Share
123.63
154.85
177.52
209.98
225.36
259.3
293.43
314.93
315.73
357.7
356.67
421.46
369.49
396.97
407.4
440.03
422.67
Tangible Book Value per Share
5,850
8,258
9,668
12,372
13,130
14,083
14,477
15,323
15,382
15,829
17,425
19,642
19,716
19,716
19,716
19,716
19,716
Basic Weighted Avg Shares
499,491
627,179
979,221
1,122,731
1,264,292
1,800,987
2,395,333
2,469,057
2,810,534
4,194,599
3,873,175
3,379,503
3,274,874
3,480,724
3,449,508
3,167,296
2,855,074
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
20.61
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
22,103
28,472
46,013
54,814
65,352
82,134
97,330
115,050
114,770
138,558
245,687
252,403
250,324
267,244
295,164
300,575
302,048
Depreciation Expense
101,806
112,650
227,906
221,100
154,932
185,153
370,651
318,923
50,472
6,752
118,522
127,748
221,160
75,796
290,845
285,748
253,813
Net Income, GAAP
27.77
27.36
20.17
22.72
22.88
22.51
24.91
21.73
33.47
91.76
- -
19.92
20.22
- -
15.65
37.96
40.38
Effective Tax Rate (%)
20.38
17.96
23.27
19.69
12.25
10.28
15.47
12.92
1.8
0.16
3.06
3.78
6.75
2.18
8.43
9.02
8.89
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,616
881
431
355
355
- -
- -
- -
- -
- -
74,580
99,004
613,302
633,908
629,802
760,738
744,731
LT Debt
911,494
1,294,968
1,825,608
2,754,260
3,164,114
3,669,611
4,475,322
4,844,184
4,856,420
6,074,463
6,056,844
7,359,416
7,285,008
7,826,768
8,599,622
9,282,595
8,955,722
Total Equity
- -
- -
- -
- -
- -
- -
8.96
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
13.69
10.2
14.6
9.65
5.23
5.42
9.1
6.84
1.04
0.12
- -
1.88
2.88
- -
2.39
2.58
2.44
Return on Capital (%)
13.73
10.21
14.61
9.66
5.24
5.42
9.1
6.84
1.04
0.12
1.95
1.9
3.02
1
3.67
3.42
3.1
Return on Common Equity (%)

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
19,716
19,716
19,716
Market Capitalization
16,955,900
17,645,965
13,801,314

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
16,399,245
13,106,642
12,546,056
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.1%
9.15%
7.94%
Free Cash Flow
-80.06%
-58.17%
-172.73%
Net Income, GAAP
186.79%
59.43%
-1.75%
Sales/Revenue/Turnover
7.29%
-3.73%
-8.18%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
867,682
839,410
913,132
829,284
3,449,508
2025
725,519
754,351
- -
838,393
3,167,296
2026
605,983
656,347
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.79
4.2
3.6
3.17
14.75
2025
2.34
4.75
- -
1.8
14.49
2026
2.44
3.88
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Similar Companies
HDFC Bank Limited (NSE:HDFCBANK)
Bank of America Corporation (NYSE:BAC)
JP Morgan Chase & Co. (NYSE:JPM)
Axis Bank Limited (NSE:AXISBANK)
Kotak Mahindra Bank Limited (NSE:KOTAKBANK)
Banco Santander, S.A. (BME:SAN)
Business
PT Bank Sinarmas Tbk PT Bank Sinarmas Tbk operates as a full-service commercial bank in Indonesia, offering a comprehensive range of banking products and services through its Marketing and Credit, Treasury, and Trade Finance segments; these include savings, time, and current accounts; personal, consumer, home ownership, small business, and micro loans; supply chain financing; payroll unsecured credit; debit and credit cards; mobile, internet, and e-banking platforms; insurance, mutual funds, and bancassurance products; sharia banking services via dedicated units; treasury operations involving securities and money market investments; debt issuance; and trade financing activities. The bank serves retail, corporate, and priority customers nationwide, with a network encompassing approximately 69 branch offices, 134 sub-branches, 140 cash offices, 28 sharia branches, and 12 sharia cash offices as of recent records, supported by an integrated distribution system focused on payments and transactions. Founded in 1989 as PT Bank Shinta Indonesia and headquartered at Sinar Mas Land Plaza, Jl. MH Thamrin Kav. 51, Tower I, 1st and 2nd floors, Central Jakarta, Indonesia, PT Bank Sinarmas Tbk functions as a subsidiary of PT Sinar Mas Multiartha Tbk, part of the broader Sinar Mas Group engaged in financial services. In recent developments, the bank opened two priority branch offices on January 13, 2025, at Agora Mall and Jl. MH Thamrin to enhance services for high-net-worth customers and support a projected 30-40% growth in this segment; introduced a PEGA-powered loan origination platform to boost productivity, streamline applications, and integrate machine learning for credit scoring; and benefited from parent company PT Sinar Mas Multiartha Tbk's acquisition of over 5.91 billion additional shares in October 2024, increasing its stake to nearly 60% and solidifying control. These initiatives align with the bank's strategic evolution into a leading payment and transaction bank with expanded digital and priority services.