PT Bank CIMB Niaga Tbk Class A(ID:BNGA)
Rp1,500.00-10.00 (-0.66%)
ID:BNGA
PT Bank CIMB Niaga Tbk Class A financials statements
Rp1,500.00
At close:-10.00 (-0.66%)
PT Bank CIMB Niaga Tbk Class A (BNGA) Ratios
PT Bank CIMB Niaga Tbk Class A Ratios
ID:BNGA's free cash flow for Q3 2026 was Rp-6.89T. For the 2026 fiscal year, ID:BNGA's free cash flow was decreased by Rp-371.82B and operating cash flow was Rp-6.52T. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.28 | 0.16 | 0.07 | 0.27 | 0.35 |
| Quick Ratio | 1.28 | 0.16 | 0.07 | 0.27 | 0.35 |
| Cash Ratio | 1.11 | 0.10 | 0.16 | 0.21 | 0.30 |
| Solvency Ratio | 0.02 | 0.03 | 0.03 | 0.03 | 0.02 |
| Operating Cash Flow Ratio | 0.29 | 0.04 | -0.01 | -0.11 | 0.19 |
| Short-Term Operating Cash Flow Coverage | 0.29 | 0.33 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | Rp -283.87T | Rp -272.77T | Rp -273.87T | Rp -219.80T | Rp -212.99T |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.08 | 0.03 | 0.02 | 0.03 |
| Debt-to-Equity Ratio | 0.47 | 0.52 | 0.18 | 0.15 | 0.22 |
| Debt-to-Capital Ratio | 0.32 | 0.34 | 0.15 | 0.13 | 0.18 |
| Long-Term Debt-to-Capital Ratio | 0.05 | 0.04 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 6.43 | 6.80 | 6.80 | 6.79 | 7.16 |
| Debt Service Coverage Ratio | 0.22 | -0.01 | 0.84 | 1.18 | 0.95 |
| Interest Coverage Ratio | 0.79 | 0.93 | 0.93 | 1.17 | 0.90 |
| Debt to Market Cap | 0.60 | 0.63 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 1525.20 | 1537.40 | 712.71 | 495.04 | 621.67 |
| Net Debt to EBITDA | 0.06 | 4.67 | -1.66 | -3.12 | -5.66 |
| Profitability Margins | |||||
| Gross Profit Margin | 58.87% | 100.00% | 67.69% | 77.00% | 75.43% |
| EBIT Margin | 28.71% | -0.64% | 30.15% | 26.84% | 22.09% |
| EBITDA Margin | 30.71% | 7.23% | 33.78% | 33.14% | 28.05% |
| Operating Profit Margin | 28.71% | 53.81% | 30.15% | 26.84% | 22.09% |
| Pretax Profit Margin | 28.71% | 46.08% | 30.15% | 26.84% | 22.09% |
| Net Profit Margin | 22.37% | 36.03% | 23.36% | 20.57% | 17.45% |
| Continuous Operations Profit Margin | 22.56% | 36.42% | 23.64% | 20.79% | 17.44% |
| Net Income Per EBT | 77.91% | 78.20% | 77.47% | 76.63% | 78.99% |
| EBT Per EBIT | 100.00% | 85.63% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.85% | 1.89% | 1.94% | 1.64% | 1.32% |
| Return on Equity (ROE) | 11.87% | 12.88% | 13.16% | 11.16% | 9.45% |
| Return on Capital Employed (ROCE) | 2.53% | 6.77% | 4.71% | 4.26% | 3.35% |
| Return on Invested Capital (ROIC) | 1.86% | 4.58% | 3.69% | 3.40% | 2.75% |
| Return on Tangible Assets | 1.86% | 1.91% | 1.95% | 1.65% | 1.33% |
| Earnings Yield | 15.28% | 15.70% | 15.31% | 17.06% | 17.04% |
| Efficiency Ratios | |||||
| Receivables Turnover | 9.90 | 2.47 | 8.12 | 3.10 | 4.19 |
| Payables Turnover | 56.96 | 0.00 | 32.03 | 29.90 | 24.45 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.27 | 2.78 | 4.09 | 3.48 | 3.55 |
| Asset Turnover | 0.08 | 0.05 | 0.08 | 0.08 | 0.08 |
| Working Capital Turnover Ratio | -0.36 | -0.12 | -0.22 | -0.23 | -0.24 |
| Cash Conversion Cycle | 30.45 | 147.81 | 33.57 | 105.45 | 72.20 |
| Days of Sales Outstanding | 36.86 | 147.81 | 44.96 | 117.66 | 87.13 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 6.41 | 0.00 | 11.40 | 12.21 | 14.93 |
| Operating Cycle | 36.86 | 147.81 | 44.96 | 117.66 | 87.13 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 274.42 | 327.15 | -72.01 | -656.18 | 1187.74 |
| Free Cash Flow Per Share | 258.83 | 289.17 | -100.20 | -688.78 | 1164.23 |
| Dividend Paid and CapEx Coverage Ratio | 1.59 | 2.02 | -0.50 | -5.18 | 17.57 |
| Capital Expenditure Coverage Ratio | 17.61 | 8.62 | -2.56 | -20.13 | 50.50 |
| Operating Cash Flow Coverage Ratio | 0.25 | 0.30 | -0.20 | -2.44 | 3.05 |
| Operating Cash Flow to Sales Ratio | 0.22 | 0.43 | -0.06 | -0.67 | 1.26 |
| Free Cash Flow Yield | 14.46% | 16.72% | -5.91% | -58.13% | 120.65% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 6.54 | 6.37 | 6.53 | 5.86 | 5.87 |
| Price-to-Sales (P/S) Ratio | 1.46 | 2.30 | 1.53 | 1.21 | 1.02 |
| Price-to-Book (P/B) Ratio | 0.78 | 0.82 | 0.86 | 0.65 | 0.55 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.92 | 5.98 | -16.92 | -1.72 | 0.83 |
| Price-to-Operating Cash Flow Ratio | 6.52 | 5.29 | -23.54 | -1.81 | 0.81 |
| Price-to-Earnings Growth (PEG) Ratio | 9.16 | 1.36 | 0.23 | 0.26 | 0.06 |
| Enterprise Value Multiple | 4.83 | 36.42 | 2.86 | 0.51 | -2.01 |
| Enterprise Value | 45.58T | 49.87T | 26.75T | 4.18T | -13.26T |
| EV to EBITDA | 4.83 | 36.42 | 2.86 | 0.51 | -2.01 |
| EV to Sales | 1.48 | 2.63 | 0.97 | 0.17 | -0.56 |
| EV to Free Cash Flow | 7.01 | 6.86 | -10.70 | -0.24 | -0.46 |
| EV to Operating Cash Flow | 6.61 | 6.07 | -14.88 | -0.26 | -0.45 |
| Tangible Book Value Per Share | 2232.62 | 2035.30 | 1894.01 | 1732.63 | 1658.90 |
| Shareholders’ Equity Per Share | 2304.68 | 2108.80 | 1971.35 | 1812.54 | 1740.01 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.21 | 0.22 | 0.23 | 0.21 |
| Revenue Per Share | 1222.68 | 753.74 | 1110.66 | 983.03 | 942.68 |
| Net Income Per Share | 273.53 | 271.59 | 259.45 | 202.21 | 164.48 |
| Tax Burden | 0.78 | 0.78 | 0.77 | 0.77 | 0.79 |
| Interest Burden | 1.00 | -72.25 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.17 | 0.15 | 0.10 | 0.11 | 0.11 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.00 | 0.00 | -0.28 | 0.00 | 0.00 |
Currency in IDR
