Bank Syariah Indonesia Tbk.
1.355
09 Oct 2026
PER
7,83
PBV
1,20
ROE
15,36%
Current Ratio
—
DER
778,09%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Info Umum
Tentang Perusahaan
PT Bank Syariah Indonesia Tbk provides various commercial banking products and services in Indonesia. The company operates through five segments: Wholesale, Small and Medium Enterprise (SME), Consumer, Micro, and Others. It offers banking products and services that include savings, demand deposits, and time deposits; micro financing; working capital and investment financing; and internet banking services. The company also provides movable or immovable goods lease financing; debit and financing cards; buying, selling, and guaranteeing third party securities; money transfer and custody services; letters of credit; bank guarantee facilities; and trustee, safekeeping, and foreign exchange services. In addition, it publishes, offers, and trades in short and long term securities. As of December 31, 2021, the company operated through a network of 272 branch offices, 972 sub-branch offices, and 74 cash offices. The company was founded in 1969 and is headquartered in South Jakarta, Indonesia. PT Bank Syariah Indonesia Tbk is a subsidiary of PT Bank Mandiri (Persero) Tbk.
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
3 / 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 | 2020 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 25.431.754.000.000 | 24.043.834.000.000 | 21.172.735.000.000 | 18.719.311.000.000 | 17.782.936.000.000 | 15.803.736.000.000 | 14.549.300.000.000 | 1.358.230.000.000 |
| Cost of Revenue | — | — | — | — | — | — | 0 | 0 |
| Gross Profit | — | — | — | — | — | — | 0 | 1.358.230.000.000 |
| Operating Expenses | 14.003.948.000.000 | 12.980.420.000.000 | 11.194.424.000.000 | 9.718.928.000.000 | 9.392.870.000.000 | 8.900.391.000.000 | 8.363.070.000.000 | 1.142.270.000.000 |
| Operating Income | — | — | — | — | — | — | 0 | 215.958.000.000 |
| EBIT | — | — | — | — | — | — | 0 | 0 |
| Income Before Tax | 10.539.213.000.000 | 10.011.705.000.000 | 9.282.456.000.000 | 7.589.202.000.000 | 5.656.208.000.000 | 4.062.208.000.000 | 3.079.400.000.000 | 154.041.000.000 |
| Net Income | 7.982.004.000.000 | 7.567.523.000.000 | 7.005.888.000.000 | 5.703.743.000.000 | 4.260.182.000.000 | 3.028.205.000.000 | 2.187.650.000.000 | 106.600.000.000 |
| Basic EPS | 173,04 | 164,05 | 151,88 | 123,65 | 102,54 | 73,69 | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 456.192.606.000.000 | 408.613.432.000.000 | 353.624.124.000.000 | 305.727.438.000.000 |
| Aset Lancar | 0 | 0 | 0 | 0 |
| Kas | 64.936.622.000.000 | 61.966.097.000.000 | 40.047.306.000.000 | 39.260.070.000.000 |
| Piutang | — | — | — | — |
| Persediaan | — | — | — | — |
| Total Liabilitas | 404.239.732.000.000 | 363.571.860.000.000 | 314.885.003.000.000 | 272.221.828.000.000 |
| Liabilitas Lancar | — | — | — | — |
| Long Term Debt | 9.246.503.000.000 | 4.412.299.000.000 | 1.104.265.000.000 | 2.346.852.000.000 |
| Total Ekuitas | 51.952.874.000.000 | 45.041.572.000.000 | 38.739.121.000.000 | 33.505.610.000.000 |
| Working Capital | — | — | — | — |
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | 15.115.149.000.000 | 14.165.560.000.000 | 6.822.852.000.000 | 2.041.035.000.000 | 1.885.530.000.000 | 0 |
| Kas dari Aktivitas Investasi | 8.969.620.000.000 | 6.413.827.000.000 | 6.345.483.000.000 | -11.404.359.000.000 | 5.994.708.000.000 | 0 |
| Kas dari Aktivitas Pembiayaan | -11.817.994.000.000 | -17.644.971.000.000 | 8.738.415.000.000 | 10.162.997.000.000 | 4.798.909.000.000 | 0 |
| Capital Expenditures | -2.868.110.000.000 | -2.958.079.000.000 | -4.080.722.000.000 | -1.817.875.000.000 | -2.041.797.000.000 | 0 |
| Arus Kas Bebas (FCF) | 12.247.039.000.000 | 11.207.481.000.000 | 2.742.130.000.000 | 223.160.000.000 | -156.267.000.000 | 0 |
| Dividen Dibayar | -1.513.505.000.000 | -1.050.883.000.000 | -855.561.000.000 | -426.018.000.000 | -757.051.000.000 | 0 |