PT Bank BTPN Tbk (BTPNF)
ValueMarkers Composite Index
DCF data not available
PT Bank BTPN Tbk (BTPNF) — VMCI valuation read
PT Bank BTPN Tbk sits at VMCI 55/100, with the Financial Services sector median at 50. That 5-point spread is the first thing to note on BTPNF: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on BTPNF are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on BTPNF: BTPNF trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of -0.4x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
BTPNF fell 2.8% over the trailing 7 days, with a -1.4% read on a 30-day basis.
PT Bank BTPN Tbk provides various banking products and services primarily in Indonesia. It operates through five segments: Retail; Micro, Small & Medium Enterprises; Funding and Treasury; Corporate; and Sharia. The company offers savings and current account; term, flexi, and time deposits; and working capital and investment, bilateral and syndication, term, demand, green, pension, active employee, and student Loan; sustainability linked loan project/structured financing, overdraft, asset-based and rural bank financing, and supply chain financing; and credit cards. It also provides bancassurance and investment products, such as mutual fund and government bonds; Sharia banking services; import LC issuance/ import bill negotiation, export LC advising/confirmation/export bill collection, documentary collection, trust receipt/trade loan, structured trade finance, receivable purchase, and bank guarantee services; and liquidity management, internet and mobile banking, and collections payment services. In addition, the company offers treasury services, such as foreign exchange, derivatives, money market, and fixed income. As of December 31, 2021, it operated 82 branches, 349 subbranches, 224 and ATMs and TCRs. The company was founded in 1958 and is headquartered in Jakarta, Indonesia. PT Bank BTPN Tbk operates as a subsidiary of Sumitomo Mitsui Banking Corporation.
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