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    Finance

  3. •

    Major banks
PT Bank BTPN Syariah Tbk

PT Bank BTPN Syariah Tbk

IIDX:BTPS
970.00
IDR
-10.00
(-1.02%)
7.55TMarket Cap
Oct 23Next Earn
PT Bank BTPN Syariah Tbk
IDX:BTPS
(Indonesia Stock Exchange)

Recent

price

970.00

P/E

ratio

- -

div

yld

3.96%

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
190.06
279.47
369.82
415.01
511.63
460.98
558.53
654.82
683.46
636.86
614.75
- -
Revenue per Share
24.41
59.5
96.67
129.82
181.69
110.97
190.22
231.04
140.27
137.77
155.93
- -
Basic EPS, GAAP
16.88
85.3
36.96
76.95
47.18
127.27
488.56
250.31
203.68
220.97
215.57
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
42.63
31.44
58.61
88.43
68.18
72.13
38.43
Dividend per Share
152.55
208.84
295.63
518.83
700.32
763.35
921.2
1,091.21
1,139.02
1,209.01
1,292.76
1,331.62
Book Value per Share
149.61
204.06
290.68
512.9
691.65
750.07
904.38
1,069.06
1,107.65
1,178.06
1,266.41
1,300.84
Tangible Book Value per Share
6,933
6,933
6,933
7,436
7,703
7,701
7,702
7,702
7,703
7,703
7,704
7,704
Basic Weighted Avg Shares
1,317,704
1,937,595
2,563,953
3,085,859
3,941,215
3,550,122
4,301,542
5,043,638
5,264,738
4,905,996
4,735,830
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
73,903
92,894
106,524
104,134
100,947
184,625
169,670
196,935
216,160
242,056
231,643
- -
Depreciation Expense
169,206
412,495
670,182
965,311
1,399,634
854,614
1,465,005
1,779,543
1,080,499
1,061,276
1,201,231
- -
Net Income, GAAP
24.79
25.78
26.25
25.69
25.48
23.99
21.97
22.03
21.69
21.58
23.34
- -
Effective Tax Rate (%)
12.84
21.29
26.14
31.28
35.51
24.07
34.06
35.28
20.52
21.63
25.36
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
103,280
25,888
- -
- -
- -
292,939
80,608
167,746
53,792
225,298
29,509
321,130
LT Debt
1,163,471
1,592,716
2,254,646
3,996,932
5,393,320
5,878,749
7,094,900
8,407,995
8,777,133
9,316,594
9,961,512
10,260,961
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
28.59
34.61
30.88
29.81
14.78
21.95
22.6
12.41
11.55
12.3
- -
Return on Capital (%)
- -
29.93
34.84
30.88
29.81
15.16
22.58
22.96
12.58
11.73
12.47
- -
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
7,704
7,704
7,704
Market Capitalization
9,282,959
8,204,441
7,549,626

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,379,612
1,834,922
1,542,474
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
25.63%
11.33%
6.92%
Free Cash Flow
82.78%
44.51%
-2.44%
Net Income, GAAP
32.14%
13%
13.19%
Sales/Revenue/Turnover
15%
6.5%
-3.47%
Total Cash Common Dividend
- -
18.8%
5.8%

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,251,288
1,238,554
1,200,918
1,184,305
4,905,996
2025
1,174,130
1,184,815
- -
1,197,185
4,735,830
2026
1,135,048
1,179,420
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
34.27
37.4
28.36
37.74
137.77
2025
40.34
43.23
- -
33.17
155.93
2026
41.46
43.62
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
68.18
2025
- -
- -
- -
38.43
72.13
2026
- -
- -
- -
- -
- -
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Business
PT Bank BTPN Syariah Tbk is a financial institution specializing in providing sharia-compliant banking products and services in Indonesia. The company offers a comprehensive range of services including sharia savings accounts; financing products such as home, vehicle, and business financing; deposit products; financing for micro, small, and medium enterprises (MSMEs); digital banking and payment solutions; and wealth management services. PT Bank BTPN Syariah operates primarily within Indonesia, focusing on serving individual customers, MSMEs, and corporate segments under Islamic banking principles. The bank was founded in 1956 and is headquartered in Jakarta, Indonesia. It is a subsidiary of PT Bank BTPN Tbk, one of Indonesia’s prominent banking groups. PT Bank BTPN Syariah is committed to sustainable financial inclusion and has a significant emphasis on digital transformation and expanding its digital banking capabilities. In the last 1-2 years, PT Bank BTPN Syariah has made strategic expansions by enhancing its digital banking services to increase accessibility and convenience for its customers. It has entered into partnerships aimed at advancing its digital ecosystem, including collaborations with fintech companies to accelerate innovation in sharia-compliant financial products and services. The bank also recently launched several new digital initiatives and expanded its product portfolio to cater to evolving customer needs, notably focusing on MSMEs and underserved segments. These efforts reflect the bank’s strategic shift towards integrating technology with sharia banking principles to support inclusive growth in Indonesia. PT Bank BTPN Syariah operates across Indonesia with a network of branches and digital channels, targeting customers seeking Islamic financial solutions. Its core business segments include consumer banking, SME financing, and digital banking services, positioning itself as a key player in Indonesia’s Islamic banking industry.