Bank Tabungan Negara

JKT:BBTN · ID1000113707

BanksSmall

360

Medium confidence — indicative

Value81

Profit price93

Cash yield71

Sales & asset price86

Price/Sales96

EV / Gross Profit67

Price/Book96

Quality41

Returns on capital28

Profit margins—

Cash backing24

Cash Conversion15

Accruals32

Owner Earnings Margin26

Growth37

Sales growth16

Profit growth28

Profit Growth20

Long-Term EPS Growth16

Owner Earnings Growth47

Reinvestment68

Price momentum45

Safety—

Debt load4

Debt serviceability4

Liquidity76

Sentiment58

Analyst ratings47

Expectations trend56

Opinion Changes50

Price Target Upside61

Market mood49

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Bank Tabungan Negara clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryIndonesia

IndustryBanks

SizeSmall

TypePublic Company

ExchangeIDX

Employees6,479

Websitebtn.co.id

ISINID1000113707

Last UpdateApr 2, 2026

Indices

IDX Composite (Indonesia)

Themes

BankingFinancial Services

Description

PT Bank Tabungan Negara (Persero) Tbk provides various banking products and services. The company primarily operates in the business of providing a wide range of banking products and services, including savings and current accounts, loans, mortgages,…

Analysis

Bargain bin

PT Bank Tabungan Negara (Persero) Tbk falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

The price is attractive. You pay 6.1× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -10% yearly growth; analysts expect 4%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is uncertain. The company scores 13/20 on our value-creation score: creating some value.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2023202420252026

All-time high

Jan 2024

All-time low

Jan 2023

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

Price/Earnings

Price/Book

Dividend Yield

Value (overall)

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →