PPERF Stock Financial Analysis - PT Bank Mandiri (Persero) Tbk (OTCPK) Stock

Overview

PT Bank Mandiri (Persero) Tbk, headquartered in Jakarta, Indonesia, stands as one of the largest banks in terms of assets, loans, and deposits within the country. Primarily operating within the banking and financial services industry, Bank Mandiri offers a diverse range of services including retail banking, corporate banking, and treasury operations. The bank plays a pivotal role in supporting Indonesia’s economic development through significant initiatives in digital banking transformation and inclusion programs aimed to expedite financial services to the wider population. Its key projects include enhancing a multifaceted digital banking platform and strategic partnerships with fintech companies, aiming to boost its presence in the competitive Southeast Asian banking landscape.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 137,612,843.00 MM.
The operating income for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 76,711,694.00 MM.
The net income for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 56,277,823.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-03-31	137,612,843.00	76,711,694.00	56,277,823.00
2024-12-31	134,735,364.00	76,194,365.00	55,782,742.00
2024-09-30	133,704,511.00	78,834,228.00	58,013,868.00
2024-06-30	131,621,491.00	76,893,029.00	56,378,810.00
2024-03-31	128,598,922.00	75,082,551.00	55,202,064.00
2023-12-31	127,454,571.00	74,706,924.00	55,060,057.00
2023-09-30	121,698,513.00	67,223,877.00	49,581,394.00
2023-06-30	116,231,734.00	62,909,294.00	46,193,314.00
2023-03-31	113,260,546.00	59,762,801.00	43,699,281.00
2022-12-31	109,397,530.00	56,222,920.00	41,170,637.00
2022-09-30	102,443,935.00	53,142,479.00	39,451,866.00
2022-06-30	96,806,573.00	48,064,082.00	35,736,231.00
2022-03-31	91,678,472.00	43,300,601.00	32,141,309.00
2021-12-31	86,552,332.00	38,347,042.00	28,028,155.00
2021-09-30	84,846,745.00	32,889,313.00	22,000,577.00
2021-06-30	77,853,475.00	28,516,853.00	19,007,810.00
2021-03-31	69,788,729.00	22,769,192.00	14,802,019.00
2020-12-31	70,268,800.00	24,428,189.00	16,799,515.00
2020-09-30	69,558,773.00	28,956,658.00	21,260,138.00
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-03-31
2024-12-31	597.67
2024-09-30	621.57	621.58
2024-06-30	604.06	604.06
2024-03-31	591.45	591.45
2023-12-31	589.93
2023-09-30	531.28	531.28
2023-06-30	495.01	495.01
2023-03-31	468.27	468.27
2022-12-31	441.26	441.26
2022-09-30	422.89	422.89
2022-06-30	383.10	383.10
2022-03-31	344.63	344.63
2021-12-31	300.53	300.53
2021-09-30	235.93	235.93
2021-06-30	203.81	203.81
2021-03-31	158.71	158.71
2020-12-31	180.09	180.09
2020-09-30	227.84	227.84
2020-06-30	259.80	259.80
2020-03-31	301.77	301.77

Cash Flow: Operations, Investing, Financing

The cash from operating activities for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is -220,643,742.00 MM.
The cash from investing activities for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 18,092,383.00 MM.
The cash from financing activities for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 237,996,681.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-03-31	-220,643,742.00	18,092,383.00	237,996,681.00
2024-12-31	-208,081,950.00	17,730,695.00	186,372,823.00
2024-09-30	-240,457,903.00	9,543,032.00	248,693,784.00
2024-06-30	-211,952,550.00	2,323,412.00	216,842,598.00
2024-03-31	-175,935,316.00	27,411,765.00	172,718,485.00
2023-12-31	-155,746,825.00	17,884,187.00	107,721,353.00
2023-09-30	-118,492,049.00	26,633,207.00	94,566,634.00
2023-06-30	-115,218,429.00	25,784,402.00	123,915,175.00
2023-03-31	-86,465,368.00	-11,610,222.00	117,403,305.00
2022-12-31	-102,237,704.00	-41,889,931.00	215,542,329.00
2022-09-30	-89,157,274.00	-62,723,389.00	162,557,124.00
2022-06-30	-40,357,034.00	-129,882,728.00	156,195,502.00
2022-03-31	-11,137,464.00	-126,998,698.00	116,294,503.00
2021-12-31	-17,788,756.00	-132,477,052.00	144,245,790.00
2021-09-30	-8,322,534.00	-126,134,049.00	93,499,969.00
2021-06-30	-74,088,512.00	-68,252,702.00	87,631,124.00
2021-03-31	-49,008,273.00	-74,024,447.00	141,012,291.00
2020-12-31	-17,362,742.00	-41,558,403.00	112,865,199.00
2020-09-30	-67,484,768.00	-29,871,764.00	119,773,928.00
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Management Effectiveness

The roa for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 0.03.
The roe for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 0.21.
The roic for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 0.09.
The croic for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 0.00.
The ocroic for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is -0.34.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-03-31	0.03	0.21	0.09	0.00	-0.34
2024-12-31	0.03	0.20	0.09	0.03	-0.37
2024-09-30	0.03	0.21	0.10	0.02	-0.38
2024-06-30		0.23
2024-03-31		0.22
2023-12-31			0.18	0.03
2023-09-30			0.18	0.15
2023-06-30		0.21
2023-03-31		0.20
2022-12-31
2022-09-30		0.00
2022-06-30		0.00	0.00
2022-03-31		0.00
2021-12-31		0.00
2021-09-30	0.02	0.12
2021-06-30	0.01		0.06	-0.09	-0.39
2021-03-31	0.01	0.08	0.05	0.13	-0.34
2020-12-31	0.01	0.08	0.05	0.17	-0.05
2020-09-30	0.02	0.11	0.07	0.10	-0.23
2020-06-30	0.02	0.13	0.08	0.24	-0.04
2020-03-31	0.02	0.15	0.10	0.02	-0.26

Gross Margins

The gross margin for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 0.98.
The net margin for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 0.41.
The operating margin for PT Bank Mandiri (Persero) Tbk as of March 31, 2025 is 0.57.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-03-31	0.98	0.41	0.57
2024-12-31	0.99	0.44	0.59
2024-09-30	0.98	0.43	0.59
2024-06-30
2024-03-31
2023-12-31
2023-09-30		0.40	0.54
2023-06-30		0.40	0.54
2023-03-31		0.39	0.53
2022-12-31
2022-09-30		0.00	0.00
2022-06-30		0.00	0.00
2022-03-31
2021-12-31
2021-09-30
2021-06-30	0.97	0.26	0.37
2021-03-31	0.98	0.21	0.33
2020-12-31	0.98	0.24	0.35
2020-09-30	0.98	0.31	0.42
2020-06-30	0.98	0.33	0.44
2020-03-31	0.98	0.36	0.47