BNLI.JK - PT Bank Permata 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 | 5,132,205.0 | 4,806,013.0 | 4,822,029.0 | 4,749,570.0 | 5,054,740.0 | 4,544,891.0 | 4,575,731.0 | 5,149,483.0 | 4,306,863.0 | 4,229,272.0 |
| Cost of Revenue | 0.0 | 1,814,940.0 | 1,729,139.0 | 1,845,303.0 | 1,852,914.0 | 1,880,973.0 | 1,653,878.0 | 2,170,245.0 | 1,357,650.0 | 1,334,871.0 |
| Gross Profit | 0.0 | 2,991,073.0 | 3,092,890.0 | 2,904,267.0 | 3,201,826.0 | 2,663,918.0 | 2,921,853.0 | 2,979,238.0 | 2,949,213.0 | 2,894,401.0 |
| 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 | 305,630.0 | 319,787.0 | 393,183.0 | 326,460.0 | 330,475.0 | 313,326.0 | 417,504.0 | 289,145.0 | 299,460.0 |
| Other Expenses | 0.0 | 1,580,029.0 | 1,754,061.0 | 1,502,651.0 | 1,257,917.0 | 1,396,741.0 | 1,562,882.0 | 1,980,481.0 | 1,709,886.0 | 1,753,171.0 |
| Operating Expenses | 0.0 | 1,885,659.0 | 2,073,848.0 | 1,895,834.0 | 1,584,377.0 | 1,727,216.0 | 1,876,208.0 | 2,397,985.0 | 1,999,031.0 | 2,052,631.0 |
| Operating Income | ||||||||||
| Operating Income | 1,606,223.0 | 1,105,414.0 | 1,019,042.0 | 1,008,433.0 | 1,617,721.0 | 936,702.0 | 1,045,645.0 | 581,253.0 | 950,182.0 | 841,770.0 |
| Interest Expense | 0.0 | 1,814,940.0 | 1,729,139.0 | 1,845,303.0 | 1,852,914.0 | 1,880,973.0 | 1,653,878.0 | 2,170,245.0 | 1,357,650.0 | 1,334,871.0 |
| Interest Income | 0.0 | 4,326,824.0 | 4,260,507.0 | 4,461,113.0 | 4,466,144.0 | 4,141,485.0 | 4,144,297.0 | 5,759,534.0 | 3,494,973.0 | 3,402,751.0 |
| Profitability | ||||||||||
| EBITDA | 1,606,223.0 | 1,208,544.0 | 1,120,932.0 | 1,112,063.0 | 0.0 | 1,020,710.0 | 1,131,346.0 | 674,212.0 | 1,033,191.0 | 926,510.0 |
| EBIT | 1,606,223.0 | 1,105,414.0 | 1,019,042.0 | 1,008,433.0 | (97,033.0) | 936,702.0 | 1,045,645.0 | 581,253.0 | 950,182.0 | 841,770.0 |
| Income Before Tax | 1,594,357.0 | 1,105,414.0 | 1,019,042.0 | 1,008,433.0 | 1,617,449.0 | 936,702.0 | 1,045,645.0 | 581,253.0 | 950,182.0 | 841,770.0 |
| Income Tax Expense | 356,679.0 | 249,105.0 | 230,068.0 | 227,536.0 | 361,412.0 | 214,431.0 | 238,331.0 | 136,554.0 | 216,275.0 | 191,103.0 |
| Net Income | 1,237,678.0 | 856,309.0 | 788,974.0 | 780,897.0 | 1,256,037.0 | 722,271.0 | 807,314.0 | 444,699.0 | 733,907.0 | 650,667.0 |
| Per Share Data | ||||||||||
| EPS (Basic) | 34.21 | 23.67 | 21.81 | 21.58 | 34.72 | 19.96 | 22.00 | 12.29 | 20.28 | 17.98 |
| EPS (Diluted) | 34.21 | 23.67 | 21.81 | 21.58 | 34.72 | 19.96 | 22.00 | 12.29 | 20.28 | 17.98 |
| Shares Outstanding | 36,181.3 | 36,181.4 | 36,181.4 | 36,181.4 | 36,181.3 | 36,181.4 | 36,181.4 | 36,181.3 | 36,181.3 | 36,181.4 |
| 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 | 22,657,553.0 | 24,277,332.0 | 26,234,533.0 | 24,515,275.0 | 34,164,595.0 | 27,037,757.0 | 38,293,079.0 | 33,051,788.0 | 37,475,422.0 |
| Short-Term Investments | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (56,942,169.0) | 0.0 | 0.0 | 0.0 | 0.0 |
| Net Receivables | 0.0 | 7,518,956.0 | 7,171,238.0 | 7,163,828.0 | 6,765,642.0 | 5,605,123.0 | 0.0 | 4,875,987.0 | 3,255,586.0 | 3,333,618.0 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 17,172,451.0 | (59,953,504.0) | (75,904,385.0) | (75,015,918.0) | (76,572,757.0) |
| Other Current Assets | 0.0 | 0.0 | (8,656,804.0) | (8,418,170.0) | 42,573,277.0 | 55,854,786.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Current Assets | 0.0 | 31,632,711.0 | 24,277,332.0 | 26,234,533.0 | 74,808,452.0 | 55,854,786.0 | 32,567,518.0 | 41,687,105.0 | 36,307,374.0 | 40,809,040.0 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 3,706,667.0 | 3,617,319.0 | 3,551,391.0 | 3,556,898.0 | 3,528,616.0 | 3,484,357.0 | 3,473,816.0 | 3,491,943.0 | 3,354,222.0 | 3,366,370.0 |
| Goodwill | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible Assets | 1,376,723.0 | 1,347,082.0 | 1,311,558.0 | 1,282,172.0 | 1,128,295.0 | 1,060,126.0 | 995,474.0 | 939,389.0 | 878,587.0 | 829,608.0 |
| Long-Term Investments | 0.0 | 148,161,427.0 | 69,202,843.0 | 65,612,890.0 | 66,893,417.0 | 54,427,342.0 | 49,852,615.0 | 43,939,997.0 | 41,187,473.0 | 41,173,095.0 |
| Other Non-Current Assets | (7,147,623.0) | 77,611,999.0 | 163,768,456.0 | 160,251,345.0 | 140,682,155.0 | 141,027,544.0 | (2,457,076.0) | (2,380,895.0) | (2,345,025.0) | (2,215,007.0) |
| Total Non-Current Assets | 0.0 | 232,558,017.0 | 240,005,015.0 | 232,832,970.0 | 212,232,483.0 | 202,624,181.0 | 54,321,905.0 | 48,371,329.0 | 45,420,282.0 | 45,369,073.0 |
| Total Assets | 269,610,362.0 | 264,190,728.0 | 264,282,347.0 | 259,067,503.0 | 254,640,302.0 | 258,478,967.0 | 252,835,328.0 | 257,444,147.0 | 251,906,925.0 | 251,411,304.0 |
| Current Liabilities | ||||||||||
| Account Payables | 0.0 | 373,562.0 | 1,072,542.0 | 282,055.0 | 162,380.0 | 5,605,123.0 | 29,676.0 | 30,254.0 | 299,062.0 | 66,415.0 |
| Short-Term Debt | 5,647,109.0 | 0.0 | 0.0 | 0.0 | 7,029,448.0 | 3,411,374.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Deferred Revenue | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (10,365,675.0) | (7,832,805.0) | (9,360,190.0) | (6,856,930.0) |
| Other Current Liabilities | (5,647,109.0) | 195,130,773.0 | (2,957,192.0) | 188,273,269.0 | 108,963,022.0 | (4,131,966.0) | (2,481,144.0) | (948,215.0) | (1,221,565.0) | (1,238,425.0) |
| Total Current Liabilities | 0.0 | 195,504,335.0 | 0.0 | 190,555,079.0 | 117,145,847.0 | 119,530,426.0 | 29,676.0 | 30,254.0 | 299,062.0 | 66,415.0 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 11,314,589.0 | 10,996,329.0 | 11,189,618.0 | 10,849,329.0 | 10,181,031.0 | 10,984,965.0 | 10,610,420.0 | 0.0 | 10,292,600.0 | 0.0 |
| Deferred Tax Liabilities | 329,233.0 | 0.0 | 0.0 | 140,391.0 | 165,458.0 | 126,846.0 | 134,581.0 | 32,856.0 | 33,407.0 | 70,920.0 |
| Other Non-Current Liabilities | (11,643,822.0) | 14,105,239.0 | 209,560,513.0 | 205,614,992.0 | 85,173,534.0 | (11,111,811.0) | (10,610,420.0) | (10,279,302.0) | (10,292,600.0) | (9,968,735.0) |
| Total Non-Current Liabilities | 0.0 | 25,101,568.0 | 220,750,131.0 | 25,909,242.0 | 95,520,023.0 | 98,454,280.0 | 10,610,420.0 | 10,279,302.0 | 10,292,600.0 | 9,968,735.0 |
| Total Liabilities | 224,331,383.0 | 220,605,903.0 | 220,750,131.0 | 216,464,321.0 | 212,500,412.0 | 217,984,706.0 | 212,027,690.0 | 217,451,825.0 | 212,687,720.0 | 212,794,305.0 |
| Stockholders' Equity | ||||||||||
| Common Stock | 4,855,313.0 | 4,855,313.0 | 4,855,313.0 | 4,855,313.0 | 4,855,313.0 | 4,855,313.0 | 4,855,313.0 | 4,855,313.0 | 4,855,313.0 | 4,855,313.0 |
| Retained Earnings | 9,440,528.0 | 8,202,850.0 | 8,469,079.0 | 7,680,105.0 | 6,921,819.0 | 5,665,782.0 | 5,855,179.0 | 5,047,865.0 | 4,566,546.0 | 3,832,639.0 |
| Accumulated Other Comprehensive Income | 1,628,958.0 | 1,172,482.0 | 932,206.0 | 792,146.0 | 1,087,140.0 | 697,548.0 | 820,617.0 | 812,615.0 | 654,131.0 | 785,810.0 |
| Total Stockholders' Equity | 45,278,979.0 | 43,584,825.0 | 43,532,216.0 | 42,603,182.0 | 42,139,890.0 | 40,494,261.0 | 40,807,638.0 | 39,992,322.0 | 39,219,205.0 | 38,616,999.0 |
| Total Liabilities & Equity | 269,610,362.0 | 264,190,728.0 | 264,282,347.0 | 259,067,503.0 | 254,640,302.0 | 258,478,967.0 | 252,835,328.0 | 257,444,147.0 | 251,906,925.0 | 251,411,304.0 |
| Debt Metrics | ||||||||||
| Total Debt | 16,961,698.0 | 10,996,329.0 | 11,189,618.0 | 10,849,329.0 | 17,210,479.0 | 14,396,339.0 | 10,610,420.0 | 10,279,302.0 | 10,292,600.0 | 9,968,735.0 |
| Net Debt | 16,961,698.0 | (11,661,224.0) | (24,277,332.0) | (26,234,533.0) | (7,304,796.0) | (19,768,256.0) | (16,427,337.0) | (28,013,777.0) | (22,759,188.0) | (27,506,687.0) |
| 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 | 1,237,678.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 650,667.0 |
| Depreciation & Amortization | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 84,740.0 |
| 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 | (385,613.0) | 474,637.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (252,797.0) |
| Other Non-Cash Items | 495,092.0 | 889,889.0 | 929,526.0 | (1,593,862.0) | (708,457.0) | 19,244,860.0 | (9,065,135.0) | 7,313,940.0 | (6,285,925.0) | (21,831,597.0) |
| Operating Cash Flow | 1,347,157.0 | 1,364,526.0 | 929,526.0 | (1,593,862.0) | (708,457.0) | 19,244,860.0 | (9,065,135.0) | 7,313,940.0 | (6,285,925.0) | (21,348,987.0) |
| Investing Activities | ||||||||||
| Capital Expenditure | (132,696.0) | (101,308.0) | (99,652.0) | (276,955.0) | (176,988.0) | (145,776.0) | (97,737.0) | (198,370.0) | (104,645.0) | (101,291.0) |
| Acquisitions | 606.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 72,837.0 |
| Purchases of Investments | (43,941,490.0) | (30,581,464.0) | (30,839,879.0) | 40,896,733.0 | (44,015,482.0) | (8,131,723.0) | (75,728,488.0) | (11,227,840.0) | (5,525,329.0) | (5,071,516.0) |
| Sales/Maturities of Investments | 36,975,583.0 | 32,302,459.0 | 26,928,024.0 | (43,854,280.0) | 35,347,334.0 | 2,661,742.0 | 70,028,583.0 | 10,936,208.0 | 5,025,264.0 | 7,478,448.0 |
| Other Investing Activities | 3,128,642.0 | (652,918.0) | 1,700,428.0 | 4,780,017.0 | (195,503.0) | (514,860.0) | 563,848.0 | 301,206.0 | 417,898.0 | 202,124.0 |
| Investing Cash Flow | (4,033,714.0) | 1,033,042.0 | (2,251,671.0) | 1,732,899.0 | (8,946,578.0) | (6,045,207.0) | (5,156,876.0) | (76,084.0) | (114,867.0) | 2,580,602.0 |
| Financing Activities | ||||||||||
| Net Debt Issuance | (2,927,510.0) | (243,720.0) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 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 | (1,085,439.0) | 0.0 | 0.0 | (1.0) | 0.0 | 0.0 | 0.0 | 0.0 | (542,720.0) |
| Other Financing Activities | 6,606,541.0 | (2,345,652.0) | 1,360,079.0 | 1,517,545.0 | 2,623,101.0 | (5,907,996.0) | 1,570,818.0 | (681,507.0) | 3,103,374.0 | 916,088.0 |
| Financing Cash Flow | 3,679,031.0 | (3,674,811.0) | 1,360,079.0 | 1,517,545.0 | 2,623,100.0 | (5,907,996.0) | 1,570,818.0 | (681,507.0) | 3,103,374.0 | 373,368.0 |
| Cash Position | ||||||||||
| Net Change in Cash | 0.0 | (1,457,042.0) | 201,297.0 | 1,873,098.0 | (7,234,198.0) | 7,343,983.0 | (12,632,273.0) | 6,527,486.0 | (3,176,427.0) | (18,354,775.0) |
| Cash at Beginning | 0.0 | 23,545,094.0 | 23,343,797.0 | 21,470,699.0 | 28,704,897.0 | 21,360,914.0 | 33,993,187.0 | 27,465,701.0 | 30,642,128.0 | 48,996,903.0 |
| Cash at End | 0.0 | 22,088,052.0 | 23,545,094.0 | 23,343,797.0 | 21,470,699.0 | 28,704,897.0 | 21,360,914.0 | 33,993,187.0 | 27,465,701.0 | 30,642,128.0 |
| Free Cash Flow | 1,214,461.0 | 1,263,218.0 | 829,874.0 | (1,870,817.0) | (885,445.0) | 19,099,084.0 | (9,162,872.0) | 7,115,570.0 | (6,390,570.0) | (21,450,278.0) |
| 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 | 5,132,205.0 | 4,806,013.0 | 4,822,029.0 | 4,749,570.0 | 5,054,740.0 | 4,544,891.0 | 4,575,731.0 | 5,149,483.0 | 4,306,863.0 | 4,229,272.0 |
| Gross Profit | 0.0 | 2,991,073.0 | 3,092,890.0 | 2,904,267.0 | 3,201,826.0 | 2,663,918.0 | 2,921,853.0 | 2,979,238.0 | 2,949,213.0 | 2,894,401.0 |
| Operating Income | 1,606,223.0 | 1,105,414.0 | 1,019,042.0 | 1,008,433.0 | 1,617,721.0 | 936,702.0 | 1,045,645.0 | 581,253.0 | 950,182.0 | 841,770.0 |
| Net Income | 1,237,678.0 | 856,309.0 | 788,974.0 | 780,897.0 | 1,256,037.0 | 722,271.0 | 807,314.0 | 444,699.0 | 733,907.0 | 650,667.0 |
| EPS (Diluted) | 34.21 | 23.67 | 21.81 | 21.58 | 34.72 | 19.96 | 22.00 | 12.29 | 20.28 | 17.98 |
| Balance Sheet | ||||||||||
| Cash & Equivalents | 0.0 | 22,657,553.0 | 24,277,332.0 | 26,234,533.0 | 24,515,275.0 | 34,164,595.0 | 27,037,757.0 | 38,293,079.0 | 33,051,788.0 | 37,475,422.0 |
| Total Assets | 269,610,362.0 | 264,190,728.0 | 264,282,347.0 | 259,067,503.0 | 254,640,302.0 | 258,478,967.0 | 252,835,328.0 | 257,444,147.0 | 251,906,925.0 | 251,411,304.0 |
| Total Debt | 16,961,698.0 | 10,996,329.0 | 11,189,618.0 | 10,849,329.0 | 17,210,479.0 | 14,396,339.0 | 10,610,420.0 | 10,279,302.0 | 10,292,600.0 | 9,968,735.0 |
| Stockholders' Equity | 45,278,979.0 | 43,584,825.0 | 43,532,216.0 | 42,603,182.0 | 42,139,890.0 | 40,494,261.0 | 40,807,638.0 | 39,992,322.0 | 39,219,205.0 | 38,616,999.0 |
| Cash Flow | ||||||||||
| Operating Cash Flow | 1,347,157.0 | 1,364,526.0 | 929,526.0 | (1,593,862.0) | (708,457.0) | 19,244,860.0 | (9,065,135.0) | 7,313,940.0 | (6,285,925.0) | (21,348,987.0) |
| Capital Expenditure | (132,696.0) | (101,308.0) | (99,652.0) | (276,955.0) | (176,988.0) | (145,776.0) | (97,737.0) | (198,370.0) | (104,645.0) | (101,291.0) |
| Free Cash Flow | 1,214,461.0 | 1,263,218.0 | 829,874.0 | (1,870,817.0) | (885,445.0) | 19,099,084.0 | (9,162,872.0) | 7,115,570.0 | (6,390,570.0) | (21,450,278.0) |