PT Bank Mandiri (Persero) Tbk (PPERY) AI Stock Analysis

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PT Bank Mandiri (Persero) Tbk

(OTC:PPERY)

76Outperform

PT Bank Mandiri (Persero) Tbk is in a strong financial position with robust income growth and profitability, supported by an impressive balance sheet with no debt. However, technical indicators suggest caution due to bearish trends. The stock's valuation is attractive, with a low P/E ratio and high dividend yield, enhancing its appeal. Overall, the stock is a solid investment opportunity with some technical risks.

PT Bank Mandiri (Persero) Tbk (PPERY) vs. S&P 500 (SPY)

Market Cap

$30.68B

Dividend Yield6.14%

Average Volume (3M)46.48K

Price to Earnings (P/E)8.8

Beta (1Y)0.51

Revenue Growth7.52%

EPS Growth-2.24%

CountryUS

Employees38,731

SectorFinancial

Sector Strength87

IndustryBanks - Regional

Share Statistics

EPS (TTM)0.17

Shares Outstanding2,310,000,000

10 Day Avg. Volume5,124

30 Day Avg. Volume46,480

Financial Highlights & Ratios

PEG Ratio9.34

Price to Book (P/B)1.84

Price to Sales (P/S)0.00

P/FCF Ratio-2.98

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

PT Bank Mandiri (Persero) Tbk Business Overview & Revenue Model

Company DescriptionPT Bank Mandiri (Persero) Tbk (PPERY) is one of Indonesia's largest and leading financial institutions, providing a comprehensive range of banking products and services. The bank operates in the financial services sector, offering retail banking, corporate banking, and treasury services. Its core products include savings and checking accounts, loans, credit cards, investment products, and wealth management services. Bank Mandiri serves a diverse clientele, including individuals, small to medium-sized enterprises (SMEs), and large corporations, maintaining a strong presence across Indonesia and expanding its reach through digital banking innovations.

How the Company Makes MoneyBank Mandiri generates revenue primarily through interest income from its lending activities, which include personal loans, mortgages, and corporate loans. Additionally, the bank earns from non-interest income sources such as fees and commissions from services like wealth management, insurance brokerage, and transaction processing. The bank's treasury operations also contribute to its earnings through trading and investment activities. Key partnerships with financial technology companies and collaborations with other financial institutions enhance its service offerings and expand its customer base, further boosting its revenue streams.

PT Bank Mandiri (Persero) Tbk Financial Statement Overview

Summary

PT Bank Mandiri (Persero) Tbk exhibits strong financial health with robust profitability and equity utilization. Despite the negative cash flow figures, the company's ability to maintain strong profit margins and eliminate debt position it favorably in the banking industry.

Income Statement

Very Positive

PT Bank Mandiri (Persero) Tbk shows a strong income statement with a significant revenue growth rate of 30.4% from 2023 to TTM and a robust net profit margin of 34.4% in TTM. The EBIT margin is healthy at 36.1%, and the EBITDA margin is also strong at 37.5% for TTM. Overall, the company demonstrates solid profitability and growth.

Balance Sheet

Very Positive

The balance sheet of PT Bank Mandiri (Persero) Tbk is notably strong, with no total debt in TTM, which indicates a solid financial position. The equity ratio is stable at 11.7%, and the return on equity (ROE) is impressive at 19.7%. This reflects strong financial health and efficient use of equity.

Cash Flow

Positive

The cash flow statement reveals challenges, with negative free cash flow growth and negative operating cash flow in TTM. However, the company maintains a strong free cash flow to net income ratio, highlighting effective cash management despite the negative figures.

TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Breakdown
Income Statement		Total Revenue
10.00T>	10.00T>	10.00T>	22.06B	10.00T>	91.99T
	Gross Profit
10.00T>	10.00T>	10.00T>	22.06B	10.00T>	91.99T
	EBIT
79.02T	78.62T	72.61T	73.11T	35.84T	22.77T
	EBITDA
42.07T	0.00	79.25T	60.89T	41.92T	28.33T
	Net Income Common Stockholders
56.28T	55.78T	55.06T	41.17T	28.03T	16.80T
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
10.00T>	10.00T>	63.01T	10.00T>	10.00T>	10.00T>
	Total Assets
10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
	Total Debt
0.00	0.00	10.00T>	10.00T>	94.43T	88.42T
	Net Debt
-10.00T>	-10.00T>	-10.00T>	-10.00T>	-10.00T>	-89.64T
	Total Liabilities
10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
	Stockholders Equity
10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Cash Flow		Free Cash Flow
-10.00T>	-88.10T	-10.00T>	-10.00T>	-20.07T	-20.17T
	Operating Cash Flow
-10.00T>	-79.56T	-10.00T>	-10.00T>	-17.79T	-17.36T
	Investing Cash Flow
18.42T	17.73T	16.01T	-41.89T	-10.00T>	-41.56T
	Financing Cash Flow
10.00T>	57.85T	10.00T>	10.00T>	10.00T>	10.00T>

PT Bank Mandiri (Persero) Tbk Technical Analysis

Technical Analysis Sentiment

Positive

Last Price13.32

Price Trends

50DMA

11.31

Positive

100DMA

11.90

Positive

200DMA

14.00

Negative

Market Momentum

MACD

0.33

Negative

RSI

74.04

Negative

STOCH

99.80

Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPERY, the sentiment is Positive. The current price of 13.32 is above the 20-day moving average (MA) of 11.85, above the 50-day MA of 11.31, and below the 200-day MA of 14.00, indicating a neutral trend. The MACD of 0.33 indicates Negative momentum. The RSI at 74.04 is Negative, neither overbought nor oversold. The STOCH value of 99.80 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PPERY.

PT Bank Mandiri (Persero) Tbk Peers Comparison

Overall Rating

UnderperformOutperform

Sector (64)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KB	77 Outperform	$25.19B	6.39	10.66%	2.90%	10.29%	-5.75%
PPERY	76 Outperform	$30.68B	8.83	22.96%	6.14%	7.52%	-2.24%
ITUB	76 Outperform	$67.90B	9.56	20.65%	5.17%	-7.01%	15.18%
BBDO	71 Outperform	$27.27B	7.73	10.61%	1.10%	-8.55%	14.81%
BBD	70 Outperform	$27.08B	8.70	10.61%	1.09%	-8.55%	13.58%
BSBR	70 Outperform	$19.94B	16.55	10.89%	3.88%	-3.94%	31.52%
Sector *	64 Neutral	$12.82B	9.87	7.67%	17000.34%	12.39%	-5.85%

* Financial Sector Average

Performance Comparison

PPERY

PT Bank Mandiri (Persero) Tbk

13.45

-1.23

-8.38%

BBD

Banco Bradesco SA

2.79

0.35

14.34%

BSBR

Banco Santander Brasil

5.42

0.22

4.23%

ITUB

Itau Unibanco

6.81

1.32

24.04%

Kb Financial Group

68.90

9.62

16.23%

BBDO

Banco Bradesco

2.46

0.27

12.33%

Glossary

OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.

NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.

UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.