BBNI.JK - PT Bank Negara Indonesia (Persero) Tbk
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| Metric | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||
| Revenue | 23,177,437.0 | 22,069,897.0 | 20,659,394.0 | 23,582,709.0 | 24,559,300.0 | 18,948,246.0 | 20,997,096.0 | 20,919,425.0 | 23,510,992.0 | 17,907,080.0 |
| Cost of Revenue | 0.0 | 7,219,527.0 | 6,878,614.0 | 6,705,093.0 | 6,296,230.0 | 6,617,045.0 | 6,484,537.0 | 5,113,845.0 | 5,389,207.0 | 5,077,810.0 |
| Gross Profit | 0.0 | 14,850,370.0 | 13,780,780.0 | 16,877,616.0 | 18,263,070.0 | 12,331,201.0 | 14,512,559.0 | 15,805,580.0 | 18,121,785.0 | 12,829,270.0 |
| Operating Expenses | ||||||||||
| R&D Expenses | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| SG&A Expenses | 0.0 | 1,814,011.0 | 1,416,217.0 | 2,172,004.0 | 1,794,117.0 | 1,640,149.0 | 1,522,281.0 | 2,192,141.0 | 1,655,298.0 | 1,597,018.0 |
| Other Expenses | 0.0 | 7,238,086.0 | 5,845,796.0 | 7,990,687.0 | 9,534,993.0 | 4,196,892.0 | 6,552,865.0 | 7,349,994.0 | 9,794,450.0 | 4,985,233.0 |
| Operating Expenses | 0.0 | 9,052,097.0 | 7,262,013.0 | 10,162,691.0 | 11,329,110.0 | 5,837,041.0 | 8,075,146.0 | 9,542,135.0 | 11,449,748.0 | 6,582,251.0 |
| Operating Income | ||||||||||
| Operating Income | 5,718,002.0 | 5,798,273.0 | 6,518,767.0 | 6,714,925.0 | 6,933,960.0 | 6,494,160.0 | 6,437,413.0 | 6,263,445.0 | 6,672,037.0 | 6,247,019.0 |
| Interest Expense | 0.0 | 7,219,527.0 | 6,878,614.0 | 6,705,093.0 | 6,296,230.0 | 6,617,045.0 | 6,484,537.0 | 5,113,845.0 | 5,389,207.0 | 5,077,810.0 |
| Interest Income | 0.0 | 16,900,971.0 | 16,713,051.0 | 17,880,917.0 | 16,528,720.0 | 16,298,459.0 | 15,875,014.0 | 15,253,218.0 | 15,923,938.0 | 15,275,045.0 |
| Profitability | ||||||||||
| EBITDA | 5,718,002.0 | 6,379,292.0 | 7,135,904.0 | 7,364,224.0 | 7,497,772.0 | 7,107,975.0 | 7,027,279.0 | 6,798,088.0 | 7,295,620.0 | 6,862,287.0 |
| EBIT | 5,718,002.0 | 5,798,273.0 | 6,518,767.0 | 6,714,925.0 | 6,933,960.0 | 6,494,160.0 | 6,437,413.0 | 6,263,445.0 | 6,672,037.0 | 6,247,019.0 |
| Income Before Tax | 6,121,600.0 | 5,798,273.0 | 6,518,767.0 | 6,714,925.0 | 6,933,960.0 | 6,494,160.0 | 6,437,413.0 | 6,263,445.0 | 6,672,037.0 | 6,247,019.0 |
| Income Tax Expense | 1,056,942.0 | 1,045,197.0 | 1,105,828.0 | 1,479,063.0 | 1,264,237.0 | 1,082,911.0 | 1,084,850.0 | 1,046,142.0 | 1,182,455.0 | 1,111,310.0 |
| Net Income | 5,021,094.0 | 4,713,566.0 | 5,380,473.0 | 5,155,214.0 | 5,616,783.0 | 5,365,173.0 | 5,326,429.0 | 5,156,186.0 | 5,451,535.0 | 5,081,239.0 |
| Per Share Data | ||||||||||
| EPS (Basic) | 134.77 | 126.52 | 144.26 | 138.23 | 150.59 | 143.91 | 142.93 | 138.40 | 146.32 | 136.31 |
| EPS (Diluted) | 134.77 | 126.52 | 144.26 | 138.23 | 150.59 | 143.91 | 142.93 | 138.40 | 146.32 | 136.31 |
| Shares Outstanding | 37,256.8 | 37,256.8 | 37,297.3 | 37,256.8 | 37,297.3 | 37,282.2 | 37,267.2 | 37,256.8 | 37,256.8 | 37,276.7 |
| Metric | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 0.0 | 152,251,890.0 | 113,248,417.0 | 105,437,966.0 | 99,255,247.0 | 105,547,089.0 | 128,906,478.0 | 157,821,066.0 | 113,860,325.0 | 150,817,798.0 |
| Short-Term Investments | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (179,935,027.0) | (56,564,780.0) | 0.0 | 0.0 | 0.0 |
| Net Receivables | 0.0 | 24,506,404.0 | 30,322,980.0 | 24,201,841.0 | 28,551,194.0 | 0.0 | 0.0 | 31,039,174.0 | 31,375,388.0 | 35,675,452.0 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 45,298,212.0 | (103,387,806.0) | 0.0 | 0.0 | 0.0 |
| Other Current Assets | 0.0 | 0.0 | 0.0 | 0.0 | 146,030,397.0 | 160,119,068.0 | 190,268,275.0 | 0.0 | 0.0 | 0.0 |
| Total Current Assets | 0.0 | 179,564,362.0 | 147,592,667.0 | 132,599,866.0 | 277,966,993.0 | 160,119,068.0 | 190,268,275.0 | 188,860,240.0 | 145,235,713.0 | 186,493,250.0 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 30,253,275.0 | 30,372,503.0 | 30,517,327.0 | 30,408,236.0 | 27,928,607.0 | 27,709,101.0 | 27,450,463.0 | 27,764,856.0 | 26,728,068.0 | 26,491,316.0 |
| Goodwill | 727,786.0 | 727,786.0 | 727,786.0 | 727,786.0 | 727,786.0 | 727,786.0 | 727,786.0 | 727,786.0 | 727,785.0 | 727,786.0 |
| Intangible Assets | 14,696.0 | 14,974.0 | 15,251.0 | 15,528.0 | 15,806.0 | 16,083.0 | 16,360.0 | 16,637.0 | 18,610.0 | 20,581.0 |
| Long-Term Investments | 0.0 | 755,458,016.0 | 739,573,400.0 | 193,988,061.0 | 27,574,863.0 | 27,616,484.0 | 28,554,049.0 | 176,110,770.0 | 168,863,626.0 | 164,809,285.0 |
| Other Non-Current Assets | (36,659,620.0) | 229,346,368.0 | 221,501,156.0 | 765,116,564.0 | 865,802,455.0 | 849,337,393.0 | 812,539,239.0 | (7,440,618.0) | (7,646,066.0) | (7,542,841.0) |
| Total Non-Current Assets | 0.0 | 1,022,088,905.0 | 998,990,619.0 | 997,205,771.0 | 922,049,517.0 | 912,335,090.0 | 876,447,054.0 | 204,620,049.0 | 196,338,089.0 | 192,048,968.0 |
| Total Assets | 1,269,486,437.0 | 1,201,653,267.0 | 1,146,583,286.0 | 1,129,805,637.0 | 1,068,079,914.0 | 1,072,454,158.0 | 1,066,715,329.0 | 1,086,663,986.0 | 1,009,308,655.0 | 1,025,091,056.0 |
| Current Liabilities | ||||||||||
| Account Payables | 0.0 | 1,945,757.0 | 1,203,527.0 | 1,421,561.0 | 2,483,889.0 | 859,095.0 | 1,126,361.0 | 1,899,027.0 | 2,418,843.0 | 1,757,720.0 |
| Short-Term Debt | 40,391,391.0 | 50,070,296.0 | 71,282,161.0 | 85,870,706.0 | 47,072,261.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Deferred Revenue | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 390,368.0 | 312,636.0 | 436,658.0 | 586,672.0 | 584,619.0 |
| Other Current Liabilities | (40,391,391.0) | 863,411,982.0 | (72,485,688.0) | 740,385,522.0 | 502,834,350.0 | (7,428,312.0) | (8,072,135.0) | (3,943,700.0) | (4,051,893.0) | (3,191,039.0) |
| Total Current Liabilities | 0.0 | 915,428,035.0 | 0.0 | 829,975,087.0 | 551,440,483.0 | 615,684,975.0 | 587,221,115.0 | 1,145,545.0 | 791,838.0 | 920,051.0 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 59,270,057.0 | 38,734,575.0 | 32,832,569.0 | 22,372,644.0 | 40,246,103.0 | 36,492,580.0 | 42,147,934.0 | 0.0 | 0.0 | 0.0 |
| Deferred Tax Liabilities | 0.0 | 0.0 | 0.0 | 0.0 | 1,176,655.0 | 217,700,077.0 | 225,272,887.0 | 45,854,620.0 | 44,521,890.0 | 42,702,803.0 |
| Other Non-Current Liabilities | (60,236,461.0) | 966,628,919.0 | 898,543,250.0 | 886,931,992.0 | 265,639,825.0 | 264,539,389.0 | 286,070,636.0 | (46,291,278.0) | (45,108,562.0) | (43,287,422.0) |
| Total Non-Current Liabilities | 0.0 | 121,037,287.0 | 973,569,181.0 | 132,643,997.0 | 267,151,424.0 | 302,697,164.0 | 329,791,965.0 | 46,291,278.0 | 45,108,562.0 | 43,287,422.0 |
| Total Liabilities | 1,097,876,035.0 | 1,036,465,322.0 | 973,569,181.0 | 962,619,084.0 | 905,910,271.0 | 918,382,139.0 | 917,013,080.0 | 931,931,466.0 | 862,091,109.0 | 881,617,421.0 |
| Stockholders' Equity | ||||||||||
| Common Stock | 9,054,807.0 | 9,054,807.0 | 9,054,807.0 | 9,054,807.0 | 9,054,807.0 | 9,054,807.0 | 9,054,807.0 | 9,054,807.0 | 9,054,807.0 | 9,054,807.0 |
| Retained Earnings | 116,703,875.0 | 111,675,747.0 | 121,039,579.0 | 115,885,182.0 | 110,302,519.0 | 104,632,156.0 | 99,394,546.0 | 104,457,102.0 | 99,199,517.0 | 93,524,337.0 |
| Accumulated Other Comprehensive Income | 7,276,992.0 | 5,916,530.0 | 4,464,657.0 | 3,795,943.0 | 5,581,025.0 | 3,324,636.0 | 4,288,548.0 | 4,340,982.0 | 2,081,701.0 | 3,790,253.0 |
| Total Stockholders' Equity | 166,757,323.0 | 160,368,733.0 | 168,280,692.0 | 162,457,581.0 | 157,396,434.0 | 149,469,682.0 | 145,085,484.0 | 150,131,014.0 | 142,781,625.0 | 139,001,885.0 |
| Total Liabilities & Equity | 1,269,486,437.0 | 1,201,653,267.0 | 1,146,583,286.0 | 1,129,805,637.0 | 1,068,079,914.0 | 1,072,454,158.0 | 1,066,715,329.0 | 1,086,663,986.0 | 1,009,308,655.0 | 1,025,091,056.0 |
| Debt Metrics | ||||||||||
| Total Debt | 100,361,275.0 | 89,592,662.0 | 104,795,802.0 | 109,048,746.0 | 88,495,019.0 | 97,559,001.0 | 74,412,409.0 | 46,291,278.0 | 45,108,562.0 | 43,287,422.0 |
| Net Debt | 100,361,275.0 | (46,473,249.0) | 4,946,339.0 | (105,437,966.0) | (10,760,228.0) | (7,988,088.0) | (54,494,069.0) | (111,529,788.0) | (68,751,763.0) | (107,530,376.0) |
| Metric | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 5,021,094.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Depreciation & Amortization | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Stock-Based Compensation | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Change in Working Capital | 718,206.0 | 6,228,432.0 | 0.0 | 4,118,275.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Non-Cash Items | (1,419,776.0) | 57,436,190.0 | 12,985,260.0 | (6,552,227.0) | (9,320,263.0) | (23,971,341.0) | (27,492,357.0) | 38,989,920.0 | (28,414,298.0) | (1,226,930.0) |
| Operating Cash Flow | 4,319,524.0 | 63,664,622.0 | 12,985,260.0 | (2,433,952.0) | (9,320,263.0) | (23,971,341.0) | (27,492,357.0) | 38,989,920.0 | (28,414,298.0) | (1,226,930.0) |
| Investing Activities | ||||||||||
| Capital Expenditure | (479,648.0) | (180,149.0) | (403,293.0) | (1,716,367.0) | (288,550.0) | (796,911.0) | (304,841.0) | (496,852.0) | (684,219.0) | (546,152.0) |
| Acquisitions | 2,198.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (800,000.0) | 0.0 | 0.0 |
| Purchases of Investments | (7,142,198.0) | (86,620,186.0) | (95,847,949.0) | (145,100,707.0) | (104,574,735.0) | (28,442,157.0) | (50,481,784.0) | (25,691,814.0) | (33,708,427.0) | (7,115,723.0) |
| Sales/Maturities of Investments | 14,796,499.0 | 87,527,725.0 | 94,487,876.0 | 143,103,472.0 | 109,906,609.0 | 25,141,922.0 | 48,257,231.0 | 25,163,272.0 | 28,364,439.0 | 9,898,074.0 |
| Other Investing Activities | (37,260,612.0) | 4,494.0 | 2,889.0 | 2,361.0 | 6,218.0 | 5,404.0 | 12,730.0 | (32,709.0) | (130,592.0) | 9,407.0 |
| Investing Cash Flow | (30,083,761.0) | 731,884.0 | (1,760,477.0) | (3,711,241.0) | 5,049,542.0 | (4,091,742.0) | (2,516,664.0) | (1,858,103.0) | (6,158,799.0) | 2,245,606.0 |
| Financing Activities | ||||||||||
| Net Debt Issuance | 11,138,629.0 | (2,777,855.0) | (5,326,515.0) | 8,152,738.0 | 3,005,390.0 | 8,885,752.0 | 568,556.0 | 3,608,270.0 | (2,384,221.0) | (5,561,232.0) |
| Stock Repurchased | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Dividends Paid | 0.0 | (13,951,339.0) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Financing Activities | 34,460,223.0 | (8,893,742.0) | 3,368,249.0 | 5,493,017.0 | (4,636,169.0) | (3,328,358.0) | (491,943.0) | 538,710.0 | 79,295.0 | (4,261,564.0) |
| Financing Cash Flow | 45,598,852.0 | (25,622,936.0) | (1,958,266.0) | 13,645,755.0 | (1,630,779.0) | 5,557,394.0 | 146,073.0 | 4,146,980.0 | (2,304,926.0) | (9,822,796.0) |
| Cash Position | ||||||||||
| Net Change in Cash | 0.0 | 39,003,349.0 | 9,173,986.0 | 7,359,822.0 | (5,705,173.0) | (22,620,979.0) | (29,837,999.0) | 41,268,973.0 | (36,903,291.0) | (8,523,662.0) |
| Cash at Beginning | 0.0 | 113,248,750.0 | 104,074,764.0 | 96,714,942.0 | 102,420,115.0 | 125,041,094.0 | 154,879,093.0 | 113,610,120.0 | 150,513,411.0 | 159,037,073.0 |
| Cash at End | 0.0 | 152,252,099.0 | 113,248,750.0 | 104,074,764.0 | 96,714,942.0 | 102,420,115.0 | 125,041,094.0 | 154,879,093.0 | 113,610,120.0 | 150,513,411.0 |
| Free Cash Flow | 3,839,876.0 | 63,484,473.0 | 12,581,967.0 | (4,150,319.0) | (9,608,813.0) | (24,768,252.0) | (27,797,198.0) | 38,493,068.0 | (29,098,517.0) | (1,773,082.0) |
| Key Metrics | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 23,177,437.0 | 22,069,897.0 | 20,659,394.0 | 23,582,709.0 | 24,559,300.0 | 18,948,246.0 | 20,997,096.0 | 20,919,425.0 | 23,510,992.0 | 17,907,080.0 |
| Gross Profit | 0.0 | 14,850,370.0 | 13,780,780.0 | 16,877,616.0 | 18,263,070.0 | 12,331,201.0 | 14,512,559.0 | 15,805,580.0 | 18,121,785.0 | 12,829,270.0 |
| Operating Income | 5,718,002.0 | 5,798,273.0 | 6,518,767.0 | 6,714,925.0 | 6,933,960.0 | 6,494,160.0 | 6,437,413.0 | 6,263,445.0 | 6,672,037.0 | 6,247,019.0 |
| Net Income | 5,021,094.0 | 4,713,566.0 | 5,380,473.0 | 5,155,214.0 | 5,616,783.0 | 5,365,173.0 | 5,326,429.0 | 5,156,186.0 | 5,451,535.0 | 5,081,239.0 |
| EPS (Diluted) | 134.77 | 126.52 | 144.26 | 138.23 | 150.59 | 143.91 | 142.93 | 138.40 | 146.32 | 136.31 |
| Balance Sheet | ||||||||||
| Cash & Equivalents | 0.0 | 152,251,890.0 | 113,248,417.0 | 105,437,966.0 | 99,255,247.0 | 105,547,089.0 | 128,906,478.0 | 157,821,066.0 | 113,860,325.0 | 150,817,798.0 |
| Total Assets | 1,269,486,437.0 | 1,201,653,267.0 | 1,146,583,286.0 | 1,129,805,637.0 | 1,068,079,914.0 | 1,072,454,158.0 | 1,066,715,329.0 | 1,086,663,986.0 | 1,009,308,655.0 | 1,025,091,056.0 |
| Total Debt | 100,361,275.0 | 89,592,662.0 | 104,795,802.0 | 109,048,746.0 | 88,495,019.0 | 97,559,001.0 | 74,412,409.0 | 46,291,278.0 | 45,108,562.0 | 43,287,422.0 |
| Stockholders' Equity | 166,757,323.0 | 160,368,733.0 | 168,280,692.0 | 162,457,581.0 | 157,396,434.0 | 149,469,682.0 | 145,085,484.0 | 150,131,014.0 | 142,781,625.0 | 139,001,885.0 |
| Cash Flow | ||||||||||
| Operating Cash Flow | 4,319,524.0 | 63,664,622.0 | 12,985,260.0 | (2,433,952.0) | (9,320,263.0) | (23,971,341.0) | (27,492,357.0) | 38,989,920.0 | (28,414,298.0) | (1,226,930.0) |
| Capital Expenditure | (479,648.0) | (180,149.0) | (403,293.0) | (1,716,367.0) | (288,550.0) | (796,911.0) | (304,841.0) | (496,852.0) | (684,219.0) | (546,152.0) |
| Free Cash Flow | 3,839,876.0 | 63,484,473.0 | 12,581,967.0 | (4,150,319.0) | (9,608,813.0) | (24,768,252.0) | (27,797,198.0) | 38,493,068.0 | (29,098,517.0) | (1,773,082.0) |