EN DE
Watch Bank Negara Indonesia Tbk for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Bank Negara Indonesia Tbk (BBNI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank Negara Indonesia Tbk stock IDR 6,800, price IDR 3,400, upside +100.0%, quality 52 out of 100. Rating: strongly undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services ID · ISIN ID1000096605

BN Bank Negara Indonesia Tbk logo Thin data Nov 7, 2026

Bank Negara Indonesia Tbk

BBNI · JK
Undervalued, but in a downtrend

The stock costs 50% less than our calculation considers fair.

Fair value 6,800 IDR · Strongly undervalued
Highly profitable · 39.2% net margin (TTM)
Ranks above peers (12/15)
Last quarter vs. a year ago: revenue +46%, profit +68%.
Quality 52/100
Mixed Growth (revenue 5y +4.8 %/yr in IDR)
Wide moat 69/100 · thin data
Thin data

Risks from the AI analysis

🚩Digital banks and fintech ecosystems🚩Government deposit withdrawal and funding competition
Watch Bank Negara Indonesia Tbk for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

4,989 IDR 1,725 IDR Fair Value 6,800 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range 1,725 IDR – 4,989 IDR · fair‑value band 5,100 IDR – 8,500 IDR · the 3,400 IDR price screens below the 6,800 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

Follow Bank Negara Indonesia Tbk in your weekly email

Every Wednesday you see whether Bank Negara Indonesia Tbk is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

PT Bank Negara Indonesia (Persero) Tbk, together with its subsidiaries, provides various banking products and services in Indonesia, rest of Asia, New York, and Europe.

Show moreShow less

It operates through Corporate Banking, Institutional Banking, Commercial Banking, Consumer Banking, Treasury & International Banking, Head Office, and Subsidiaries segments.

The company offers savings; savings plan and FIPF products; loans; credit cards; bancassurance, payroll, and simulation services; safe deposit boxes, bank references, bonds, foreign bank notes, and mobile banking services; services to collect payments or valuable documents; and Xpora, a digital solution for small and medium enterprises.

It also provides business banking, funding, lending, trade finance, smart remittance, foreign direct investment, collection and liquidity management, payment management, supply chain financing, consumer financing, wealth management, and custody and trust services; financial institution products; solutions for industrial sectors; and treasury products.

In addition, the company offers insurance and venture capital services; securities; and ATM, phone and SMS banking, mobile and internet banking, and internet payment gateway services. PT Bank Negara Indonesia (Persero) Tbk was founded in 1946 and is headquartered in Jakarta Pusat, Indonesia.

Stock analysis

Bank Negara Indonesia Tbk (BBNI) currently trades at 3,400 IDR, while our model-based Fair Value estimate is 6,800 IDR, implying the stock looks roughly 50% undervalued today.

Show more

Valuation

How firm this estimate is: it rests on 4 models at a data quality of 96/100, which puts the data coverage at low.

Scenario range: 5,100 IDR (bear) to 8,500 IDR (bull), the price of 3,400 IDR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bank Negara Indonesia Tbk reported revenue of 91.8T IDR in FY2025 versus 68.8T IDR in FY2021, a compound +7.5%/yr. Reported net income was 20.0T IDR in FY2025, compounding +16.4%/yr from FY2021.

Key figures

Market cap 127T IDR (≈ $7.0B) Mid · P/E ratio 5.7 · P/S ratio 1.25 · EPS (TTM) 564.00 IDR · Net margin 21.8% · Return on equity 12.2% · Return on assets (EBIT) 2.0% (5-year average) · Operating margin 45.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).

What moves the price

The share trades about 20% below its 52-week high and 15% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 100%, BBNI screens cheaper than that median.

Fair Value models

Bear 5,100 IDR Fair Value 6,800 IDR Bull 8,500 IDR
Price 3,400 IDR · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (483.65 IDR per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 426,899 IDR 477,736 IDR 619,971 IDR 71
P/E Multiple 550,569 IDR 734,092 IDR 917,615 IDR 63
P/B Multiple 505,881 IDR 674,508 IDR 843,136 IDR 55
All 4 models by family
Multiples
P/E Multiple 550,569 IDR 734,092 IDR 917,615 IDR 63
P/B Multiple 505,881 IDR 674,508 IDR 843,136 IDR 55
Asset-Based
NCAV (Graham) 240,896 IDR 322,800 IDR 481,792 IDR 54
Economic Profit
Residual Income 426,899 IDR 477,736 IDR 619,971 IDR 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 27
Are margins and returns getting better?
Cashflow 49
Do the profits arrive as real cash?
Financial strength 38
Debt, balance sheet and risk of trouble
Investment 68
Does it invest with discipline instead of growing at any price?
Low Volatility 77
How calm the share price moves, does not count
Price momentum 26
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 25
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 66/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+4.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
Start year 2020 (pandemic). Over 10 years: +7.0% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+12.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.9%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.12.9% vs 1.0%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.7% → 27%
Pace: the 5-year rate starts in 2020 (pandemic)

Watch BBNI, get fair value alerts →

Compare Bank Negara Indonesia Tbk with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside +100.0% · Top 25%
Profitability
Return on equity (12 months) 12.2% · Above median
Return on assets 1.5% · Top 25%
Net margin (12 months) 39.2% · Top 25%
Operating margin (12 months) 45.6% · Above median
Growth and dividend
Revenue growth (quarter YoY) 46.1% · Top 25%
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.42× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 5.7× · Cheapest 25%
P/B 0.74× · Cheapest 25%
P/S (12 months) 2.36× · Cheapest 25%
Price / free cash flow (fiscal year) 5.6× · Cheapest 25%
EV/EBITDA 1.7× · Cheapest 25%
PEG 1.07× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)49 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BBNI
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BBNI
BNP Paribas SA BNP €91.93 €106.01 +15% vs BBNI
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BBNI
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BBNI
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BBNI
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BBNI
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BBNI
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BBNI
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BBNI

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Bank Negara Indonesia Tbk: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank Negara Indonesia Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BBNI

Frequently asked questions

Is Bank Negara Indonesia Tbk (BBNI) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 6,800 IDR versus a price of 3,400 IDR, about +100% upside (undervalued).
What is the fair value of BBNI?
Our model-based fair value for Bank Negara Indonesia Tbk is 6,800 IDR (as of Nov 7, 2026), built from audited fundamentals. The current price: 3,400 IDR.
What is the quality score of BBNI?
Bank Negara Indonesia Tbk has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Negara Indonesia Tbk (BBNI)?
Our model-based price target is the fair value of 6,800 IDR (as of Nov 7, 2026) from 4 valuation models. Cautious scenario 5,100 IDR, optimistic scenario 8,500 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Negara Indonesia Tbk stock forecast for 2026?
Our models put fair value at 6,800 IDR, about +100% upside versus a price of 3,400 IDR (undervalued). Cautious scenario 5,100 IDR, optimistic scenario 8,500 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Negara Indonesia Tbk (BBNI)?
Bank Negara Indonesia Tbk reported trailing-twelve-month revenue of about 53.7T IDR (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Bank Negara Indonesia Tbk (BBNI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Negara Indonesia Tbk it is 6,800 IDR per share (as of Nov 7, 2026), against a price of 3,400 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Bank Negara Indonesia Tbk stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BBNI trades below its calculated fair value: price 3,400 IDR, fair value 6,800 IDR, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BBNI?
No. The price is what the market pays today (3,400 IDR); the fair value is what the company's own numbers justify (6,800 IDR). For Bank Negara Indonesia Tbk the two are 3,400 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Negara Indonesia Tbk worth?
The market values Bank Negara Indonesia Tbk at about 127T IDR (market capitalisation, as of Nov 7, 2026). Per share that is 3,400 IDR; our models calculate a fair value of 6,800 IDR per share.
What do the bullish and bearish scenarios say about BBNI?
Our models span a range for Bank Negara Indonesia Tbk: cautious scenario 5,100 IDR, base 6,800 IDR, optimistic 8,500 IDR per share (as of Nov 7, 2026, price 3,400 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BBNI?
Bank Negara Indonesia Tbk trades at a price-to-earnings ratio of 5.7 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 6,800 IDR is built from several models across several years. Other multiples: PEG 1.1, P/B 0.7, P/S 2.4, EV/EBITDA 1.7.
What is the PEG ratio of BBNI?
The PEG ratio of Bank Negara Indonesia Tbk is 1.07 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bank Negara Indonesia Tbk (BBNI)?
Balance-sheet figures for Bank Negara Indonesia Tbk (as of Nov 7, 2026): return on equity 12.2%, debt of 0.42 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is BBNI from its 52-week high?
Bank Negara Indonesia Tbk trades at 3,400 IDR, about 20% below its 52-week high of 4,230 IDR and 15% above the low of 2,960 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 6,800 IDR is for.
Which stocks are comparable to Bank Negara Indonesia Tbk?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Negara Indonesia Tbk stock attractive at the current price?
The data as of Nov 7, 2026: price 3,400 IDR, calculated fair value 6,800 IDR (+100%), Quality Score 52/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BBNI calculated?
We run Bank Negara Indonesia Tbk through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 6,800 IDR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Bank Negara Indonesia Tbk currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Negara Indonesia Tbk (BBNI)?
The closing price on Nov 6, 2026 was 3,400 IDR. Our model-based fair value is 6,800 IDR, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Negara Indonesia Tbk right now?
The price is below even our cautious bear case (5,100 IDR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank Negara Indonesia Tbk (BBNI) come from?
Earnings per share at Bank Negara Indonesia Tbk grew +3.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +2.1 %, EBIT margin +0.9 %, tax rate +0.3 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank Negara Indonesia Tbk

How large is the market capitalisation of Bank Negara Indonesia Tbk (BBNI)?
The market capitalisation of Bank Negara Indonesia Tbk is 127T IDR (≈ $7.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Negara Indonesia Tbk (BBNI)?
The price-to-sales ratio of Bank Negara Indonesia Tbk is 1.25 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Negara Indonesia Tbk (BBNI)?
Earnings per share at Bank Negara Indonesia Tbk are 564.00 IDR (price ÷ EPS = P/E 5.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Negara Indonesia Tbk (BBNI)?
The net margin of Bank Negara Indonesia Tbk is 21.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Negara Indonesia Tbk (BBNI)?
The return on equity (ROE) of Bank Negara Indonesia Tbk is 12.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Negara Indonesia Tbk (BBNI)?
On an EBIT basis the return on assets of Bank Negara Indonesia Tbk is 2.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Negara Indonesia Tbk (BBNI)?
The operating margin of Bank Negara Indonesia Tbk is 45.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Negara Indonesia Tbk (BBNI)?
Revenue at Bank Negara Indonesia Tbk is growing +46.1% versus a year earlier (3y avg +7.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Negara Indonesia Tbk (BBNI)?
Earnings per share at Bank Negara Indonesia Tbk are growing +67.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Negara Indonesia Tbk (BBNI) generate?
The free cash flow of Bank Negara Indonesia Tbk is 22.5T IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank Negara Indonesia Tbk (BBNI) carry?
The net debt of Bank Negara Indonesia Tbk is 91.8T IDR (fiscal year 2025, ≈ 4.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch Bank Negara Indonesia Tbk in the live analysis

One click puts Bank Negara Indonesia Tbk on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.