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Bank Cimb Niaga Tbk (BNGA) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank Cimb Niaga Tbk stock IDR 2,990, price IDR 1,490, upside +100.7%, quality 61 out of 100. Rating: strongly undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services ID · ISIN ID1000098007

BC Bank Cimb Niaga Tbk logo Thin data Nov 6, 2026

Bank Cimb Niaga Tbk

BNGA · JK
Meets all rules

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

Fair value 2,990 IDR · Strongly undervalued
Quality 61/100
Healthy Growth (revenue YoY +62.3 %/yr in IDR)
Highly profitable · 38.2% net margin (TTM)
Ranks above peers (13/14)
Wide moat 66/100
Costs just 5.6 times its yearly profit.
Thin data
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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

1,765 IDR 576.13 IDR Fair Value 2,990 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range 576.13 IDR – 1,765 IDR · fair‑value band 2,243 IDR – 3,738 IDR · the 1,490 IDR price screens below the 2,990 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

PT Bank CIMB Niaga Tbk, together with its subsidiaries, provides various banking products and services in Indonesia and internationally.

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The company offers saving, current, and time and term deposit products; Sharia and payroll savings products; credit and debit cards; mortgages and loans; distributes and supplies financing services; treasury products, such as foreign exchange, strike currency, bond and market-linked deposits, swap deposit, hedging instruments, and investment products; and mutual funds and endowment services.

It also provides individual loans, such as mortgages, OCTO loan, joint financing, consumer loan products with cash and securities as collateral, and other loans; Sharia individual financing and indirect auto financing products; working capital, investment, and syndicated loans; Sharia hedging; bank notes and a range of bonds; and account receivable, account payable, pre-shipment, and supply chain financing.

In addition, the company offers bank draft, special fund transfer, preferred collection, cash mobile and pick up, cash sweeping, and safe deposit box services; trustee and agency services, custodian services, factoring, and letter of credit; and electronic access facilities, including operation of automatic teller machine, and digital and mobile banking services.

Further, it provides state treasury notes and government guarantee instruments; bancassurance products, such as Sharia based insurance products, life and health insurance, mortgage credit life insurance, personal loan credit life insurance, travel insurance, and credit protector insurance; and cash management, remittance, trade finance, and value chain services.

The company was formerly known as PT Bank Niaga Tbk and changed its name to PT Bank CIMB Niaga Tbk in May 2008. The company was founded in 1955 and is headquartered in Jakarta, Indonesia. PT Bank CIMB Niaga Tbk is a subsidiary of CIMB Group Sdn. Bhd.

Stock analysis

Bank Cimb Niaga Tbk (BNGA) currently trades at 1,490 IDR, while our model-based Fair Value estimate is 2,990 IDR, implying the stock looks roughly 50% undervalued today.

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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: 2,243 IDR (bear) to 3,738 IDR (bull), the price of 1,490 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 61/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank Cimb Niaga Tbk reported revenue of 30.7T IDR in FY2025 versus 23.5T IDR in FY2021, a compound +6.9%/yr. Reported net income was 6.9T IDR in FY2025, compounding +13.8%/yr from FY2021.

Key figures

Market cap 37.4T IDR (≈ $2.1B) Mid · P/E ratio 5.6 · P/S ratio 2.08 · EPS (TTM) 272.77 IDR · Dividend yield 10.3% · Net margin 38.2% · Return on equity 12.5% · Return on assets (EBIT) 2.3% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (medium confidence).

What moves the price

The share trades about 16% below its 52-week high and 2% 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 101%, BNGA screens cheaper than that median.

Fair Value models

Bear 2,243 IDR Fair Value 2,990 IDR Bull 3,738 IDR
Price 1,490 IDR · Upside +100.7%
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 (233.91 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 715,074 IDR 802,994 IDR 1,052,520 IDR 71
P/E Multiple 933,091 IDR 1,244,121 IDR 1,555,151 IDR 63
P/B Multiple 385,237 IDR 513,649 IDR 642,061 IDR 55
All 4 models by family
Multiples
P/E Multiple 933,091 IDR 1,244,121 IDR 1,555,151 IDR 63
P/B Multiple 385,237 IDR 513,649 IDR 642,061 IDR 55
Asset-Based
NCAV (Graham) 389,062 IDR 521,343 IDR 778,124 IDR 54
Economic Profit
Residual Income 715,074 IDR 802,994 IDR 1,052,520 IDR 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 61/100

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

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 63
Are margins and returns getting better?
Cashflow 75
Do the profits arrive as real cash?
Financial strength 24
Debt, balance sheet and risk of trouble
Investment 74
Does it invest with discipline instead of growing at any price?
Low Volatility 89
How calm the share price moves, does not count
Price momentum 34
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 18
Distance to the 52-week high, does not count
New shares 81
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. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
+23.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.3%
Dividend (yield on the price)10.3%
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.13.3% vs 12.7%, steady
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.12% → 29%
Pace: the 5-year rate starts in 2020 (pandemic)

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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 13/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 61 · Top 25%
Fair Value upside +100.7% · Top 25%
Profitability
Return on equity (12 months) 12.5% · Above median
Return on assets 1.9% · Top 25%
Net margin (12 months) 38.2% · Above median
Operating margin (12 months) 47.1% · Above median
Growth and dividend
Revenue growth (quarter YoY) −0.1% · Bottom 25%
Dividend yield (12 months) 10.3% · Top 25%
Balance sheet
Debt / equity 0.05× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 5.6× · Cheapest 25%
P/B 0.65× · Cheapest 25%
P/S (12 months) 2.08× · Cheapest 25%
Price / free cash flow (fiscal year) 5.8× · Cheapest 25%
EV/EBITDA 1.5× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)50 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · 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 BNGA
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BNGA
BNP Paribas SA BNP €91.93 €106.01 +15% vs BNGA
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BNGA
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BNGA
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BNGA
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BNGA
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BNGA
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BNGA
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BNGA

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Bank Cimb Niaga Tbk: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank Cimb Niaga Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BNGA

Frequently asked questions

Is Bank Cimb Niaga Tbk (BNGA) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 2,990 IDR versus a price of 1,490 IDR, about +101% upside (undervalued).
What is the fair value of BNGA?
Our model-based fair value for Bank Cimb Niaga Tbk is 2,990 IDR (as of Nov 6, 2026), built from audited fundamentals. The current price: 1,490 IDR.
What is the quality score of BNGA?
Bank Cimb Niaga Tbk has a Quality Score of 61/100. 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 Cimb Niaga Tbk (BNGA)?
Our model-based price target is the fair value of 2,990 IDR (as of Nov 6, 2026) from 4 valuation models. Cautious scenario 2,243 IDR, optimistic scenario 3,738 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Cimb Niaga Tbk stock forecast for 2026?
Our models put fair value at 2,990 IDR, about +101% upside versus a price of 1,490 IDR (undervalued). Cautious scenario 2,243 IDR, optimistic scenario 3,738 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Cimb Niaga Tbk (BNGA)?
Bank Cimb Niaga Tbk reported trailing-twelve-month revenue of about 18.0T IDR (latest available figure, as of Nov 6, 2026).
Does Bank Cimb Niaga Tbk pay a dividend?
Bank Cimb Niaga Tbk currently shows a dividend yield of 10.31% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Bank Cimb Niaga Tbk (BNGA)?
Bank Cimb Niaga Tbk has a dividend yield of 10.3%.
What is the intrinsic value of Bank Cimb Niaga Tbk (BNGA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Cimb Niaga Tbk it is 2,990 IDR per share (as of Nov 6, 2026), against a price of 1,490 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Bank Cimb Niaga Tbk stock overvalued or undervalued in 2026?
As of Nov 6, 2026, BNGA trades below its calculated fair value: price 1,490 IDR, fair value 2,990 IDR, a gap of about +101% (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 BNGA?
No. The price is what the market pays today (1,490 IDR); the fair value is what the company's own numbers justify (2,990 IDR). For Bank Cimb Niaga Tbk the two are 1,500 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Cimb Niaga Tbk worth?
The market values Bank Cimb Niaga Tbk at about 37.4T IDR (market capitalisation, as of Nov 6, 2026). Per share that is 1,490 IDR; our models calculate a fair value of 2,990 IDR per share.
What do the bullish and bearish scenarios say about BNGA?
Our models span a range for Bank Cimb Niaga Tbk: cautious scenario 2,243 IDR, base 2,990 IDR, optimistic 3,738 IDR per share (as of Nov 6, 2026, price 1,490 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BNGA?
Bank Cimb Niaga Tbk trades at a price-to-earnings ratio of 5.6 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2,990 IDR is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 6.5. Other multiples: P/B 0.7, P/S 2.1, EV/EBITDA 1.5.
How solid is the balance sheet of Bank Cimb Niaga Tbk (BNGA)?
Balance-sheet figures for Bank Cimb Niaga Tbk (as of Nov 6, 2026): return on equity 12.5%, debt of 0.05 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is BNGA from its 52-week high?
Bank Cimb Niaga Tbk trades at 1,490 IDR, about 16% below its 52-week high of 1,765 IDR and 2% above the low of 1,460 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 2,990 IDR is for.
Which stocks are comparable to Bank Cimb Niaga 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 Cimb Niaga Tbk stock attractive at the current price?
The data as of Nov 6, 2026: price 1,490 IDR, calculated fair value 2,990 IDR (+101%), Quality Score 61/100, 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 BNGA calculated?
We run Bank Cimb Niaga Tbk through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 2,990 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 Cimb Niaga 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 Cimb Niaga Tbk (BNGA)?
The closing price on Nov 6, 2026 was 1,490 IDR. Our model-based fair value is 2,990 IDR, about +101% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Cimb Niaga Tbk right now?
The price is below even our cautious bear case (2,243 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 (61/100) 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 Cimb Niaga Tbk (BNGA) come from?
Earnings per share at Bank Cimb Niaga Tbk grew +17.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +0.8 %, EBIT margin +16.2 %, tax rate +0.8 %, residual (interest, one-offs) −0.7 %. 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 Cimb Niaga Tbk

How large is the market capitalisation of Bank Cimb Niaga Tbk (BNGA)?
The market capitalisation of Bank Cimb Niaga Tbk is 37.4T IDR (≈ $2.1B). 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 Cimb Niaga Tbk (BNGA)?
The price-to-sales ratio of Bank Cimb Niaga Tbk is 2.08 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Cimb Niaga Tbk (BNGA)?
Earnings per share at Bank Cimb Niaga Tbk are 272.77 IDR (price ÷ EPS = P/E 5.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Cimb Niaga Tbk (BNGA)?
The dividend yield of Bank Cimb Niaga Tbk is 10.3% (payout 56.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank Cimb Niaga Tbk (BNGA)?
The net margin of Bank Cimb Niaga Tbk is 38.2% (last twelve months). 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 Cimb Niaga Tbk (BNGA)?
The return on equity (ROE) of Bank Cimb Niaga Tbk is 12.5% (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 Cimb Niaga Tbk (BNGA)?
On an EBIT basis the return on assets of Bank Cimb Niaga Tbk is 2.3% (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 Cimb Niaga Tbk (BNGA)?
The operating margin of Bank Cimb Niaga Tbk is 47.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Cimb Niaga Tbk (BNGA)?
Revenue at Bank Cimb Niaga Tbk is growing −0.1% versus a year earlier (3y avg +7.8%). 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 Cimb Niaga Tbk (BNGA)?
Earnings per share at Bank Cimb Niaga Tbk are growing +1.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Cimb Niaga Tbk (BNGA) generate?
The free cash flow of Bank Cimb Niaga Tbk is 6.5T 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 Cimb Niaga Tbk (BNGA) carry?
The net debt of Bank Cimb Niaga Tbk is 581B IDR (fiscal year 2025, ≈ 0.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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