Obermatt

Bank BTPN Syariah

JKT:BTPS · ID1000142805
BanksSmall

360

100
Profit price100
Cash yield100
Price/Sales91
EV / Gross Profit93
Price/Book97
Returns on capital82
Profit margins
Cash Conversion74
Accruals17
Owner Earnings Margin49
Sales growth25
Profit Growth33
Owner Earnings Growth20
Reinvestment54
Price momentum1
Debt load61
Debt serviceability30
Liquidity90
Analyst ratings91
Opinion Changes50
Price Target Upside100
Market mood82
Value Creation10/20creating 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 BTPN Syariah 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

CountryJapan
IndustryBanks
SizeSmall
TypePublic Company
ExchangeIDX
Employees1,654
ISINID1000142805
Last UpdateApr 2, 2026
Themes
Consumer LendingMicro LendingBankingFinanceFinancial Services

Description

PT Bank BTPN Syariah Tbk a financial institution that provides a range of financial services and products. The company is a subsidiary of PT Bank BTPN Tbk. Loans Murabahah Financing Murabahah financing is a type of Islamic financing structure wher…

Analysis

Hidden champion

PT Bank BTPN Syariah Tbk fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

On valuation, the picture is attractive. The owner-earnings multiple stands at 5.6×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

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

360° rank · history

1007550250
93
2023202420252026

All-time high

96

Mar 2026

All-time low

19

Aug 2024

Average rank

65

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
91
75
50
12
Price/Earnings
100
75
65
36
Price/Book
97
69
38
8
Dividend Yield
100
84
78
46
Value (overall)
100
85
69
43

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 →