BHAT
Bhakti Multi Artha Tbk.
1.770
09 Oct 2026
PER
—
PBV
—
ROE
-0,06%
Current Ratio
1,68
DER
107,05%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Sektor
Keuangan
Sub Sektor
Asuransi
Industri
Asuransi
Sub Industri
Asuransi Jiwa
Business Line
—
Product & Commodity
—
Info Umum
Tanggal Pencatatan
—
Mata Uang
IDR
Email
—
Telepon
—
Alamat
Tifa Building Lt. 8 - Jl. Kuningan Barat 26 Kec. Mampang Prapatan, Jakarta
Tentang Perusahaan
PT Bhakti Multi Artha Tbk, through its subsidiaries, provides financial solutions in Indonesia. It also provides multifinance and fintech solutions. The company offers group insurance products comprising of national credit life, national personal accident, and national welfare fund protection products. In addition, the company provides group additional insurance and individual additional insurance products. The company was founded in 2017 and is based in Jakarta, Indonesia.
Rasio
Rasio Profitabilitas
Gross Profit Margin (TTM)
-41,85%
Operating Profit Margin (TTM)
-81,67%
Net Profit Margin (TTM)
-0,47%
Management Effectiveness
ROA (TTM)
-0,03%
ROE (TTM)
-0,06%
Asset Turnover (TTM)
0,07x
Rasio Liquiditas & Leverage
Current Ratio
1,68
Quick Ratio
1,68
Debt to Equity Ratio (DER)
107,05%
Rasio Aktivitas
Perputaran Aset (TTM)
0,07x
Inventory Turnover (TTM)
—
Receivables Turnover (TTM)
10,99x
Valuasi
Current Valuation
Current PE Ratio (Annual)
44.250,00
Current PE Ratio (TTM)
—
Earning Yield (Annual)
0,00%
Earning Yield (TTM)
0,00%
Earning Yield (Greenblatt: EBIT/EV)
0,23%
Current Price to Book Value
—
Current Price to Sales (TTM)
—
Current Price to Cashflow (TTM)
—
EV to EBITDA (TTM)
406,19
Fair Value (Graham Number)
Rugi — Graham Number tidak berlaku
Per Share
EPS (Annual)
0
EPS (TTM)
0
Book Value per Share
110
Revenue per Share (Annual)
59
Revenue per Share (TTM)
—
Cash Flow per Share (Annual)
8
Cash Flow per Share (TTM)
—
Ukuran Perusahaan
Market Cap
8,85 T
Enterprise Value
8,84 T
Saham Beredar
5,00 M
Total Aset
1,13 T
Total Ekuitas
544,36 M
Free Cash Flow (Annual)
38,29 M
Growth (TTM vs Tahun Terbaru)
Revenue Growth
-74,50%
Gross Profit Growth
-142,42%
Net Income Growth
-271,36%
Screening ala Graham
3 / 9
Bukan Saham Teknologi
Lulus
Termasuk Sektor Keuangan
Lulus
Revenue Lebih dari Rp175 Miliar
Gagal
Current Ratio > 2
Gagal
Utang Jangka Panjang < Modal Kerja Bersih
Lulus
PER Wajar (< 15)
Gagal
PER x PBV < 22
Gagal
DER Rendah (< 100%)
Gagal
Membagikan Dividen
Gagal
Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
7 / 9
Arus kas operasi positif
Lulus
ROA membaik
Gagal
Rasio utang jangka panjang menurun
Lulus
Kualitas laba (OCF > laba bersih)
Lulus
Laba bersih positif
Lulus
Jumlah saham tidak bertambah
Lulus
Gross margin membaik
Lulus
Current ratio membaik
Gagal
Asset turnover membaik
Lulus
Altman Z-Score
9.69
Modal Kerja / Total Aset
0.35
Laba Ditahan / Total Aset
0.03
EBIT / Total Aset
0.02
Nilai Pasar Ekuitas / Total Liabilitas
15.19
Penjualan / Total Aset
0.07
Zona
Safe Zone
Model prediksi risiko kebangkrutan Edward Altman (1968) — Z > 2,99 Safe Zone, 1,81–2,99 Grey Zone, di bawah 1,81 Distress Zone.
Graham Valuation
Fair Value (Graham Number)
Rugi — Graham Number tidak berlaku
Harga Saat Ini
1.770
Selisih
—
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Laba
Laba Naik
Laba Naik < 20%
Penjualan Turun < 20%
Hutang Turun < 20%
Pertumbuhan Rata-rata (CAGR)
Modal Naik Rata2 > 10%
Modal Naik Rata2 > 20%
Modal Naik Rata2 > 40%
Penjualan Naik Rata2 > 10%
Laba Naik Rata2 > 20%
Solvabilitas
DER < 0.5x
DER < 1x
Likuiditas
Aset Lancar > Hutang Lancar
Profitabilitas
ROE > 10%
Margin Laba Kotor > 20%
Margin Laba Kotor > 40%
Margin Laba Kotor > 60%
Margin Laba Kotor > 80%
Margin Laba Operasi > 10%
Margin Laba Operasi > 20%
Margin Laba Bersih > 10%
Margin Laba Bersih > 20%
Margin Laba Bersih > 30%
Valuasi
Nilai Buku < Harga
Laba Kotor
20,39 M
2018
4,65 M
2020
-19,64 M
2021
2,95 M
2022
-5,37 M
2023
73,99 M
2024
Laba Bersih
989,29 Jt
2018
11,52 M
2020
9,31 M
2021
3,01 M
2022
3,35 M
2023
203,97 Jt
2024
Margin Laba Kotor
40,3%
2018
8,2%
2020
-30,5%
2021
2,4%
2022
-3,8%
2023
25,2%
2024
Margin Laba Operasi
2,0%
2018
-7,9%
2020
-43,7%
2021
-4,1%
2022
-11,1%
2023
17,3%
2024
Margin Laba Bersih
2,0%
2018
20,3%
2020
14,5%
2021
2,4%
2022
2,4%
2023
0,1%
2024
Imbal Hasil Aset (ROA)
-
2018
-
2020
1,3%
2021
0,3%
2022
0,3%
2023
0,0%
2024
Imbal Hasil Ekuitas (ROE)
-
2018
-
2020
1,7%
2021
0,6%
2022
0,6%
2023
0,0%
2024
Current Ratio
-
2018
-
2020
3,54x
2021
1,89x
2022
1,80x
2023
1,68x
2024
Quick Ratio
-
2018
-
2020
3,54x
2021
1,89x
2022
1,80x
2023
1,68x
2024
Debt to Equity Ratio (DER)
-
2018
-
2020
36,6%
2021
92,6%
2022
104,4%
2023
107,1%
2024
Perputaran Aset
-
2018
-
2020
0,09x
2021
0,12x
2022
0,13x
2023
0,26x
2024
Perputaran Persediaan
-
2018
-
2020
-
2021
-
2022
-
2023
-
2024
Perputaran Piutang
-
2018
-
2020
7,61x
2021
9,35x
2022
8,88x
2023
43,10x
2024
Tren historis per tahun buku berdasarkan laporan laba rugi & neraca yang tersedia. Batang berwarna merah menandakan nilai negatif.
| Item | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2018 |
|---|---|---|---|---|---|---|---|
| Revenue | 74.996.594.841 | 294.149.108.902 | 140.223.872.299 | 124.445.541.699 | 64.302.465.128 | 56.893.319.031 | 50.629.454.077 |
| Cost of Revenue | 106.385.479.272 | 220.159.997.225 | 145.592.149.325 | 121.492.192.861 | 83.942.656.322 | 52.238.507.599 | 30.242.922.500 |
| Gross Profit | -31.388.884.431 | 73.989.111.677 | -5.368.277.026 | 2.953.348.838 | -19.640.191.194 | 4.654.811.432 | 20.386.531.577 |
| Operating Expenses | 29.863.033.358 | 22.993.191.210 | 10.170.688.035 | 8.066.208.772 | 8.435.668.381 | 9.126.040.830 | 49.641.050.845 |
| Operating Income | -61.251.917.789 | 50.995.920.467 | -15.538.965.061 | -5.112.859.934 | -28.075.859.575 | -4.471.229.398 | 988.403.232 |
| EBIT | 20.709.824.559 | 20.339.418.974 | 23.312.306.449 | 16.834.173.729 | 9.302.320.491 | 0 | 988.403.232 |
| Income Before Tax | 695.625.466 | 319.396.612 | 3.291.536.390 | 3.248.130.939 | 9.288.319.191 | 11.616.473.938 | 982.380.955 |
| Net Income | -349.516.508 | 203.971.279 | 3.349.550.967 | 3.011.303.207 | 9.305.640.324 | 11.524.962.822 | 989.290.255 |
| Basic EPS | 0,00 | 0,04 | 0,67 | 0,60 | 1,86 | — | — |
| Item | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Total Aset | 1.131.490.213.441 | 1.114.751.529.283 | 1.038.909.850.191 | 736.066.661.447 |
| Aset Lancar | 970.109.674.130 | 1.013.082.412.260 | 934.388.460.399 | 681.367.175.888 |
| Kas | 264.162.325.574 | 264.808.046.020 | 257.372.134.168 | 11.196.661.981 |
| Piutang | 6.824.545.315 | 15.794.381.252 | 13.309.224.550 | 8.453.389.590 |
| Persediaan | — | — | — | — |
| Total Liabilitas | 582.730.626.202 | 567.319.781.674 | 497.542.929.476 | 196.357.274.613 |
| Liabilitas Lancar | 576.686.229.966 | 564.112.108.447 | 494.711.028.720 | 192.451.001.954 |
| Long Term Debt | 0 | 270.651.467 | 0 | 0 |
| Total Ekuitas | 544.359.512.944 | 543.349.773.944 | 537.408.927.750 | 536.046.762.514 |
| Working Capital | 393.423.444.164 | 448.970.303.813 | 439.677.431.679 | 488.916.173.934 |
| Item | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | -23.892.780.819 | 39.072.743.683 | -2.570.115.655 | 9.443.651.810 | -1.036.065.799 |
| Kas dari Aktivitas Investasi | 12.636.904.446 | -39.718.464.129 | 10.006.027.507 | -10.960.179.623 | 9.322.450.494 |
| Kas dari Aktivitas Pembiayaan | 0 | 0 | 0 | 247.692.000.000 | 0 |
| Capital Expenditures | -54.514.000 | -784.026.360 | -149.802.054 | -329.438.170 | -88.152.500 |
| Arus Kas Bebas (FCF) | -23.947.294.819 | 38.288.717.323 | -2.719.917.709 | 9.114.213.640 | -1.124.218.299 |
| Dividen Dibayar | — | — | — | — | — |