Bank Tabungan Negara (Persero) Tbk.
1.055
09 Oct 2026
PER
3,54
PBV
0,41
ROE
11,59%
Current Ratio
—
DER
1.357,58%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Info Umum
Tentang Perusahaan
PT Bank Tabungan Negara (Persero) Tbk provides various banking products and services in Indonesia. The company offers savings, current, demand, time, and certificates of deposit accounts, as well as debit cards. It also provides loans comprising consumer and construction loans; micro and small medium enterprise credits; commercial and institutional funding services; subsidized and other mortgages; and credit cards. In addition, the company issues debt instruments; offers factoring, trustee, investment banking, treasury, asset management, wealth management, electronic data capture, cash management, branchless banking, bank guarantees, safe deposit box, transfer or remittance, payroll, and other banking services; and electronic banking services, such as automatic teller machine (ATM) and kiosk, cash deposit machine, debit cards, internet, virtual account, SMS, and mobile banking services. As of December 31, 2021, it operated 6 regional offices; 108 branch offices, including 29 sharia branch offices; 604 sub-branch offices comprising 61 sharia sub-branch offices; 58 functional offices; 7 sharia cash offices; 12 sharia payment points; 51 mobile sub-branch offices consisting of cash offices; 2,115 E-channels, including ATMs and cash recycle machines; and 2 service offices equivalent to sub-branch office. The company was formerly known as Bank Tabungan Pos and changed its name to PT Bank Tabungan Negara (Persero) Tbk in 1963. PT Bank Tabungan Negara (Persero) Tbk was founded in 1897 and is headquartered in Jakarta, Indonesia.
Rasio
Rasio Profitabilitas
Management Effectiveness
Rasio Liquiditas & Leverage
Rasio Aktivitas
Valuasi
Current Valuation
Per Share
Ukuran Perusahaan
Growth (TTM vs Tahun Terbaru)
Screening ala Graham
6 / 9Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
7 / 9Altman Z-Score
Data belum cukup untuk menghitung Altman Z-Score.
Graham Valuation
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Pertumbuhan Rata-rata (CAGR)
Solvabilitas
Likuiditas
Profitabilitas
Valuasi
Laba Kotor
Laba Bersih
Margin Laba Kotor
Margin Laba Operasi
Margin Laba Bersih
Imbal Hasil Aset (ROA)
Imbal Hasil Ekuitas (ROE)
Current Ratio
Quick Ratio
Debt to Equity Ratio (DER)
Perputaran Aset
Perputaran Persediaan
Perputaran Piutang
Tren historis per tahun buku berdasarkan laporan laba rugi & neraca yang tersedia. Batang berwarna merah menandakan nilai negatif.
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue | 20.381.372.000.000 | 21.232.150.000.000 | 14.647.182.000.000 | 16.287.825.000.000 | 16.223.114.000.000 | 14.927.306.000.000 |
| Cost of Revenue | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — |
| Operating Expenses | 12.241.390.000.000 | 11.704.707.000.000 | 10.121.748.000.000 | 8.907.404.000.000 | 8.750.884.000.000 | 8.158.233.000.000 |
| Operating Income | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| Income Before Tax | 5.250.770.000.000 | 4.381.964.000.000 | 3.772.841.000.000 | 4.380.210.000.000 | 3.875.690.000.000 | 2.993.320.000.000 |
| Net Income | 4.196.977.000.000 | 3.501.154.000.000 | 3.007.328.000.000 | 3.500.988.000.000 | 3.045.073.000.000 | 2.376.227.000.000 |
| Basic EPS | 298,00 | 249,00 | 214,00 | 249,00 | 255,86 | 199,00 |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 527.793.420.000.000 | 469.614.502.000.000 | 438.749.736.000.000 | 402.148.312.000.000 |
| Aset Lancar | 0 | 0 | 0 | 0 |
| Kas | 51.396.571.000.000 | 35.455.819.000.000 | 53.035.966.000.000 | 41.524.939.000.000 |
| Piutang | — | — | — | — |
| Persediaan | — | — | — | — |
| Total Liabilitas | 491.583.127.000.000 | 437.042.613.000.000 | 408.270.584.000.000 | 376.238.958.000.000 |
| Liabilitas Lancar | — | — | — | — |
| Long Term Debt | 47.619.751.000.000 | 45.423.419.000.000 | 51.333.720.000.000 | 42.799.117.000.000 |
| Total Ekuitas | 36.210.275.000.000 | 32.571.889.000.000 | 30.479.152.000.000 | 25.909.354.000.000 |
| Working Capital | — | — | — | — |
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | -17.103.098.000.000 | 24.324.927.000.000 | -8.755.616.000.000 | 6.634.353.000.000 | 1.265.073.000.000 | 0 |
| Kas dari Aktivitas Investasi | -14.991.342.000.000 | -6.626.825.000.000 | -5.306.340.000.000 | -4.439.215.000.000 | -2.399.534.000.000 | 0 |
| Kas dari Aktivitas Pembiayaan | 28.866.740.000.000 | -1.757.871.000.000 | -3.517.424.000.000 | 9.315.946.000.000 | 1.431.240.000.000 | 0 |
| Capital Expenditures | -1.853.416.000.000 | -1.874.406.000.000 | -1.634.521.000.000 | -2.313.490.000.000 | -1.042.464.000.000 | 0 |
| Arus Kas Bebas (FCF) | -18.956.514.000.000 | 22.450.521.000.000 | -10.390.137.000.000 | 4.320.863.000.000 | 222.609.000.000 | 0 |
| Dividen Dibayar | 0 | -751.833.000.000 | -700.198.000.000 | -609.015.000.000 | -237.624.000.000 | 0 |