PT Bank Mandiri (Persero) Tbk stock analysis
PT Bank Mandiri (Persero) Tbk (PQ90) Stock Price & Analysis
PQ90 Stock Chart & Stats
- Day’s Range
- EUR 6.40 - EUR 6.40
- 52-Week Range
- EUR 5.55 - EUR 10.20
- Previous Close
- EUR 6.30
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 17.41B
- Enterprise Value
- EUR 30.22B
- Total Cash (Recent Filing)
- EUR 259.29T
- Total Debt (Recent Filing)
- EUR 231.49T
- Price to Earnings (P/E)
- 5.5
- Beta
- -0.30
- Next Earnings
- Feb 05, 2027 (Est.)
- EPS Estimate
- 0.26
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 14.86%
Bulls Say, Bears Say
Bulls Say
Strong Profitability
Improving net and operating margins indicate strong earnings capacity and operating efficiency. If maintained, this profitability provides a durable buffer against moderate credit or funding pressure, supports internal capital generation, and gives the bank more flexibility to invest in growth and digital capabilities.
Consistently High Returns
Sustained ROE near or above 20% suggests the bank is converting its equity base into profits effectively across multiple periods. This supports durable shareholder returns, strengthens capital formation through retained earnings, and indicates that profitability is not dependent on a single reporting period.
Diversified Universal Banking Model
Broad exposure across customer segments and banking services creates multiple earnings channels, including interest income, transaction fees, cash management, and treasury activity. This diversification can support resilience over the next several quarters by reducing reliance on one borrower group or product line.
Bears Say
Sharp Revenue Contraction
The sharp TTM revenue contraction is a meaningful deterioration in business momentum despite stronger margins. Prolonged weak revenue would constrain the bank’s ability to expand its earning-asset base, increase operating leverage, and sustain recent profit growth over the coming quarters.
Volatile Cash Generation
Large swings in operating and free cash flow reduce confidence that reported earnings consistently convert into deployable cash. Although TTM free cash flow covered a meaningful portion of net income, unstable conversion can limit capital allocation flexibility and make future funding needs harder to plan.
Leverage And Credit-Cycle Sensitivity
The improved latest leverage ratio is positive, but the prior spike shows that funding structure can change materially. A large and expanding balance sheet also increases sensitivity to credit-cycle deterioration, potentially magnifying provisioning needs and pressure on capital returns during weaker conditions.
PT Bank Mandiri (Persero) Tbk News
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PT Bank Mandiri (Persero) Tbk Stock Smart Score
Company Description
PT Bank Mandiri (Persero) Tbk
PT Bank Mandiri (Persero) Tbk engages in providing general banking services. It operates through the following segments: Corporate Banking, Commercial Banking, Institutional Banking, Retail Banking, and Treasury and International Banking. It operates through the following geographical segments: Indonesia, Asia, Western Europe, and Cayman Islands. The Asia segment include Singapore, Malaysia, Hong Kong, Timor Leste, and Shanghai. The Western Europe segment refers to England. The company was founded in 1824 and is headquartered in Jakarta, Indonesia.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Ahmad Riduan
- Employees
- 38,751
- Website
- www.bankmandiri.co.id
- Address
- Jalan Jenderal Sudirman Kav 54-55, Jakarta, JK, 12190, ID
PT Bank Mandiri (Persero) Tbk (PQ90) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 7 | 5 | 10 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 4 | 0 | 8 |











