Obermatt

Bank Nationalnobu

JKT:NOBU · ID1000127103
BanksSmall

360

83
Medium confidence — indicative
Profit price76
Cash yield1
Price/Sales72
EV / Gross Profit52
Price/Book70
Returns on capital27
Profit margins
Cash Conversion42
Accruals13
Owner Earnings Margin25
Sales growth75
Profit Growth86
Owner Earnings Growth7
Reinvestment96
Price momentum9
Debt load16
Debt serviceability39
Liquidity53
Analyst ratings
Expectations trend
Market mood1
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 Nationalnobu 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
Employees960
ISINID1000127103
Last UpdateApr 2, 2026
Themes
Consumer LendingOnline PaymentsBankingFinancial Services

Description

PT Bank Nationalnobu Tbk provides various banking products and services. Business Segments The company operates through Retail Banking, Corporate Banking, Treasury and Investment Banking, and Islamic Banking. Retail Banking Retail Banking provide…

Analysis

Bargain bin

PT Bank Nationalnobu 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 13.1× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is sturdy. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
32
2026

All-time high

32

Jun 2026

All-time low

21

Mar 2026

Average rank

27

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
72
Price/Earnings
83
Price/Book
70
Dividend Yield
1
Value (overall)
61

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 →