PT Bank Mandiri (Persero) Tbk

PT Bank Mandiri (Persero) Tbk

0.19
EUR
+0.00
(-2.59%)
15.25BMarket Cap
Nov 03Next Earn
PT Bank Mandiri (Persero) Tbk
STU:PQ9
(Stuttgart Stock Exchange)

Recent

price

0.19

P/E

ratio

- -

div

yld

49.46%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
338.39
339.01
418.89
504.76
569.51
669.46
740.85
770.69
837.62
877.03
933.63
1,066.93
1,239.34
1,330.65
1,444.28
1,502.06
5,932.87
Revenue per Share
109.78
132.33
166.12
195.04
212.91
217.87
147.93
221.14
268.02
294.45
180.09
300.53
441.26
589.93
597.67
603.23
- -
Basic EPS, GAAP
433.97
204.26
76.36
114.74
194.31
90.99
417.34
24.7
-377.75
205
1,106.2
1,343.5
994.06
-801.7
-943.95
2,132.82
- -
Free Cash Flow per Basic Share
32.8
34.39
31.51
49.83
58.51
53.23
65.36
66.57
99.51
120.61
177.59
110.14
180.24
264.67
353.96
466.25
1,907.53
Dividend per Share
486.38
662.07
799.07
936.63
1,099.91
1,254.32
1,612.01
1,786.27
1,941.46
2,192.15
2,030.6
2,194.74
2,460.84
2,794.85
3,040.68
3,147.33
3,061.02
Book Value per Share
481.44
654.58
789.85
924.2
1,082.29
1,233.8
1,591.05
1,760.54
1,911.83
2,156.57
1,981.86
2,139.93
2,406.27
2,731.91
2,965.2
3,066.77
3,010.73
Tangible Book Value per Share
85,344
92,539
93,333
93,333
93,333
93,333
93,333
93,333
93,333
93,333
93,283
93,263
93,303
93,333
93,333
93,320
23,314
Basic Weighted Avg Shares
28,879,986
31,371,353
39,096,212
47,111,021
53,154,090
62,482,956
69,145,965
71,930,764
78,178,151
81,856,064
87,092,537
99,504,190
115,633,384
124,193,814
134,799,086
140,173,049
138,319,198
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
468,904
710,559
953,475
1,155,801
1,489,425
1,757,493
1,810,907
1,817,289
2,059,420
3,933,691
3,569,621
4,513,637
4,566,902
4,668,462
6,106,744
- -
Depreciation Expense
9,369,226
12,246,044
15,504,067
18,203,753
19,871,873
20,334,968
13,806,565
20,639,683
25,015,021
27,482,133
16,799,515
28,028,155
41,170,637
55,060,057
55,782,742
56,293,950
- -
Net Income, GAAP
32.94
23.11
21.75
21.74
20.58
19.78
21.12
21.04
23.84
21.91
24.57
20.35
20.27
19.59
19.94
19.72
- -
Effective Tax Rate (%)
32.44
39.04
39.66
38.64
37.39
32.54
19.97
28.69
32
33.57
19.29
28.17
35.6
44.33
41.38
40.16
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
13,182,777
19,766,884
18,292,658
22,242,400
29,489,002
39,406,251
45,124,183
52,244,474
68,780,376
84,464,310
89,537,582
94,433,066
107,146,082
134,256,304
172,099,510
218,797,194
225,867,427
LT Debt
42,070,036
62,654,408
75,755,589
88,790,596
104,844,562
119,491,841
153,369,723
170,006,132
184,960,305
209,034,525
204,699,668
222,111,282
252,245,455
287,494,962
313,474,681
327,401,998
293,023,240
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
18.31
17.14
16.96
17.14
15.56
13.31
7.25
9.43
10.16
9.69
5.17
8.35
11.06
12.82
11.11
9.93
- -
Return on Capital (%)
24.45
23.7
22.74
22.47
20.91
18.51
10.32
13.01
14.38
14.25
8.53
14.23
18.96
22.45
20.48
19.49
- -
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
93,333
93,333
92,973
Market Capitalization
401,100,192
440,024,968
312,808,902

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
384,905,876
259,931,650
270,161,458
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
10.85%
9.91%
4.44%
Free Cash Flow
-157.29%
-98.68%
-325.91%
Net Income, GAAP
15.93%
29.94%
0.92%
Sales/Revenue/Turnover
8.49%
10.08%
3.99%
Total Cash Common Dividend
28.06%
27.61%
31.71%

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
31,763,259
32,428,975
34,040,519
36,066,516
134,799,086
2025
34,467,107
31,976,975
35,112,999
38,615,968
140,173,049
2026
34,297,413
30,292,818
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
136.09
2,605,391.91
2,795,583.45
2,462,593.02
597.67
2025
141.4
2,291,751.66
- -
3,895,147.3
603.23
2026
164.99
3,285,886.51
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
353.96
- -
- -
- -
353.96
2025
- -
- -
- -
- -
466.25
2026
100
7,685,061.08
- -
- -
- -
Business
PT Bank Mandiri (Persero) Tbk (BMRI.JK) operates as Indonesia's largest bank by assets, loans, and deposits, providing a comprehensive suite of banking products and services to retail, corporate, commercial, SME, micro, and institutional clients; these include savings accounts (Mandiri Saving, Business Saving, Plan Saving, Hajj Saving, foreign currency saving), current accounts, time deposits (Mandiri Deposit, foreign currency deposit), debit and prepaid cards (Mandiri Debit, GazCard, Indomaret Card, e-toll card), credit cards (Mandiri Visa, Mastercard, JCB), consumer loans (Mandiri KPR, KPR Multiguna, personal loan, Mitrakarya, Tunas KPM), investment products (mutual funds, ORI, Sukuk Ritel), bancassurance (Mandiri Investasi Sejahtera, Jiwa Sejahtera, Rencana Sejahtera), retail brokerage, consumer banking treasury, corporate loans, working capital and investment loans, trade finance, cash management, payments, remittances, wealth management, treasury services (cash transactions, hedging, investments), life/health/accident insurance, digital banking via Livin' by Mandiri and Kopra by Mandiri platforms, and Islamic banking through subsidiaries. The bank maintains an extensive network of over 2,400 branches, sub-branches, and ATMs across Indonesia, with international operations in Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, England, and the Cayman Islands; it was established in 1998 through the merger of four state-owned banks (PT Bank Bumi Daya, PT Bank Dagang Negara, PT Bank Ekspor Impor Indonesia, PT Bank Pembangunan Indonesia) as part of a government restructuring program and is headquartered in Jakarta, Indonesia, with key subsidiaries including Mandiri Sekuritas (securities), Mandiri Tunas Finance and Mandiri Utama Finance (multifinance), AXA Mandiri Financial Services and Mandiri AXA General Insurance (insurance), and Bank Mandiri Taspen. Recent developments include a strategic digital revamp of Kopra by Mandiri in 2025, enhancing liquidity tools, AI-powered cash flow forecasting, and trade finance processing (reducing Letters of Credit and Bank Guarantees issuance to one hour), serving over 30,000 corporate clients with Q2 2025 transactions worth IDR12,170 trillion (up 22% year-on-year); approval at the 2025 Annual General Meeting for a Rp1.17 trillion share buyback to boost investor confidence and accelerate business expansion; sustained focus on sustainable finance with green financing leadership at Rp115 trillion (up 9.5% year-on-year) and initiatives like digital carbon insetting, pre-paid recycle cards, and Net Zero Emissions Operational commitment by 2030; consolidated Q3 2025 performance showing 11% year-on-year loan growth to IDR1,764 trillion, 5.9% third-party fund growth to IDR1,305 trillion, net profit supported by Lifin and Kopra contributions, and strengthened asset quality with NPL at 0.73%; alongside Goldman Sachs upgrading the stock to Buy in late 2025 citing benefits from government liquidity injections and a Special Shareholders' Meeting scheduled for December 19, 2025, to address strategic matters.

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