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PT Bank SMBC Indonesia Tbk (BTPN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of PT Bank SMBC Indonesia Tbk stock IDR 1,898, price IDR 2,430, that is 21.9% below the price, quality 42 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services ID · ISIN ID1000118508

PB PT Bank SMBC Indonesia Tbk logo Thin data Nov 7, 2026

PT Bank SMBC Indonesia Tbk

BTPN · JK
Expensive, weak quality

Our calculation puts a fair price 22% below what the stock costs today.

0.4% dividend yield · Low payout
Quality 42/100
Mixed Growth (revenue 5y +9.8 %/yr in IDR)
Thin margins · 8.4% net margin (TTM)
Fair value 1,898 IDR · Overvalued
Trails peers (2/15)
Narrow moat 31/100 · thin data
Thin data
⚠ Small free float
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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

2,686 IDR 1,861 IDR Fair Value 1,898 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 1,861 IDR – 2,686 IDR · fair‑value band 1,423 IDR – 2,372 IDR · the 2,430 IDR price screens above the 1,898 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

PT Bank SMBC Indonesia Tbk provides various banking products and services primarily in Indonesia. It operates through six segments: Retail; Micro, Small & Medium Enterprises; Funding and Treasury; Corporate; Sharia; and Financing.

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The company offers current, savings, time deposits and demand deposit accounts.

It offers loan products, including officer and employee, term installment, term, pension, retirement, active employee, collateral and non-collateral, overdraft, syndication, and sustainable finance, as well as short-, medium-, and long-term loans; working capital and investment credit; and project finance.

It also provides transaction banking, including remittance, tax payment, trade finance, cash management, custody and securities, and supply chain financing services.

In addition, the company offers services related to investment products & bancassurance, such as mutual funds, government bonds, and insurance products, as well as treasury solution and financial markets solutions.

The company was formerly known as PT Bank BTPN Tbk and changed its name to PT Bank SMBC Indonesia Tbk in October 2024. PT Bank SMBC Indonesia Tbk was founded in 1958 and is headquartered in Jakarta, Indonesia. PT Bank SMBC Indonesia Tbk is a subsidiary of Sumitomo Mitsui Banking Corporation.

Stock analysis

PT Bank SMBC Indonesia Tbk (BTPN) currently trades at 2,430 IDR, while our model-based Fair Value estimate is 1,898 IDR, 22% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of 2,819 IDR per share, and 3 of the 6 models we run sit above the 2,430 IDR price.

Bear case: the Dividend Discount group reads lowest at 415.98 IDR, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 1,423 IDR (bear) to 2,372 IDR (bull), the price of 2,430 IDR sits above 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 42/100 (below-average quality), in the Financial Services sector.

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

PT Bank SMBC Indonesia Tbk reported revenue of 27.1T IDR in FY2025 versus 15.8T IDR in FY2021, a compound +14.5%/yr. Reported net income was 506B IDR in FY2025, compounding −34.0%/yr from FY2021.

Key figures

Market cap 25.9T IDR (≈ $1.4B) Small · P/E ratio 58.1 · P/S ratio 1.08 · EPS (TTM) 41.83 IDR · Dividend yield 0.4% · Net margin 1.9% · Return on equity 0.3% · Return on assets (EBIT) 1.6% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 31 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 27% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −22%, BTPN screens cheaper than that median.

Fair Value models

Bear 1,423 IDR Fair Value 1,898 IDR Bull 2,372 IDR
Price 2,430 IDR · Downside -21.9%
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 (27.64 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 2,427 IDR 2,576 IDR 2,806 IDR 76
Gordon GGM 250.35 IDR 429.47 IDR 567.80 IDR 68
DDM Multi-Stage 250.35 IDR 402.48 IDR 461.05 IDR 67
All 6 models by family
Dividend Discount
Gordon GGM 250.35 IDR 429.47 IDR 567.80 IDR 68
DDM Multi-Stage 250.35 IDR 402.48 IDR 461.05 IDR 67
Multiples
P/E Multiple 463.01 IDR 617.35 IDR 771.68 IDR 63
P/B Multiple 2,384 IDR 3,178 IDR 3,973 IDR 55
Asset-Based
NCAV (Graham) 2,104 IDR 2,819 IDR 4,208 IDR 53
Economic Profit
Residual Income 2,427 IDR 2,576 IDR 2,806 IDR 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 42/100

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

Profitability 13
How much profit the company makes from its sales and capital
Quality Growth 27
Are margins and returns getting better?
Cashflow 82
Do the profits arrive as real cash?
Financial strength 28
Debt, balance sheet and risk of trouble
Investment 76
Does it invest with discipline instead of growing at any price?
Low Volatility 82
How calm the share price moves, does not count
Price momentum 54
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 67
Distance to the 52-week high, does not count
New shares 40
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. 80/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+8.0%
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.
+16.8%
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.
+9.8%
Start year 2020 (pandemic). Over 10 years: +7.4% a year
Revenue growth 19 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.
+17.4%
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.
−31.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−31.8%
Dividend (yield on the price)0.4%
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.−31.8% vs −16.7%, slowing
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.16% → 1%
Pace: the 5-year rate starts in 2020 (pandemic)

BTPN screens overvalued: fair value 22% below the price. Compare with China Merchants Bank Co →

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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 · 997 stocks

Beats the industry median on 2/15 measures
Overall it trails its industry peers.
Valuation
Quality Score 42 · Bottom 25%
Fair Value upside −21.9% · Below median
Profitability
Return on equity (12 months) 0.3% · Bottom 25%
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 18.4% · Bottom 25%
Operating margin (12 months) 5.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.3% · Bottom 25%
Dividend yield (12 months) 0.4% · Bottom 25%
Balance sheet
Debt / equity 0.67× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 58.1× · Priciest 25%
P/B 0.55× · Cheapest 25%
P/S (12 months) 5.24× · Priciest 25%
Price / free cash flow (fiscal year) 13.7× · Pricier than median
EV/EBITDA 107.1× · Priciest 25%
PEG 0.41× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)4 · sector 8
FUTURE (revenue growth)2 · sector 47
PAST (return on equity)1 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)8 · 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 BTPN
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BTPN
BNP Paribas SA BNP €91.93 €106.01 +15% vs BTPN
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BTPN
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BTPN
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BTPN
Mizuho Financial Group MFG $9.40 $5.90 −37% vs BTPN
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BTPN
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BTPN
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BTPN

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PT Bank SMBC Indonesia Tbk: fair value per Fair Value Calculator

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

Frequently asked questions

Is PT Bank SMBC Indonesia Tbk (BTPN) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 1,898 IDR versus a price of 2,430 IDR, about 22% lower (overvalued).
What is the fair value of BTPN?
Our model-based fair value for PT Bank SMBC Indonesia Tbk is 1,898 IDR (as of Nov 7, 2026), built from audited fundamentals. The current price: 2,430 IDR.
What is the quality score of BTPN?
PT Bank SMBC Indonesia Tbk has a Quality Score of 42/100. 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 PT Bank SMBC Indonesia Tbk (BTPN)?
Our model-based price target is the fair value of 1,898 IDR (as of Nov 7, 2026) from 6 valuation models. Cautious scenario 1,423 IDR, optimistic scenario 2,372 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the PT Bank SMBC Indonesia Tbk stock forecast for 2026?
Our models put fair value at 1,898 IDR, about 22% lower versus a price of 2,430 IDR (overvalued). Cautious scenario 1,423 IDR, optimistic scenario 2,372 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of PT Bank SMBC Indonesia Tbk (BTPN)?
PT Bank SMBC Indonesia Tbk reported trailing-twelve-month revenue of about 10.9T IDR (latest available figure, as of Nov 7, 2026).
Does PT Bank SMBC Indonesia Tbk pay a dividend?
PT Bank SMBC Indonesia Tbk currently shows a dividend yield of 0.39% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of PT Bank SMBC Indonesia Tbk (BTPN) and when is the ex-dividend date?
PT Bank SMBC Indonesia Tbk pays a dividend of 9.50 IDR per share a year, a dividend yield of 0.4%. The last ex-dividend date was May 5, 2026. The payout ratio is 22.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of PT Bank SMBC Indonesia Tbk (BTPN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PT Bank SMBC Indonesia Tbk it is 1,898 IDR per share (as of Nov 7, 2026), against a price of 2,430 IDR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is PT Bank SMBC Indonesia Tbk stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BTPN trades above its calculated fair value: price 2,430 IDR, fair value 1,898 IDR, a gap of about −22% (overvalued). 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 BTPN?
No. The price is what the market pays today (2,430 IDR); the fair value is what the company's own numbers justify (1,898 IDR). For PT Bank SMBC Indonesia Tbk the two are 532.24 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is PT Bank SMBC Indonesia Tbk worth?
The market values PT Bank SMBC Indonesia Tbk at about 25.9T IDR (market capitalisation, as of Nov 7, 2026). Per share that is 2,430 IDR; our models calculate a fair value of 1,898 IDR per share.
What do the bullish and bearish scenarios say about BTPN?
Our models span a range for PT Bank SMBC Indonesia Tbk: cautious scenario 1,423 IDR, base 1,898 IDR, optimistic 2,372 IDR per share (as of Nov 7, 2026, price 2,430 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BTPN?
PT Bank SMBC Indonesia Tbk trades at a price-to-earnings ratio of 58.1 (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 1,898 IDR is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 9.6. Other multiples: PEG 0.4, P/B 0.6, P/S 5.2, EV/EBITDA 107.1.
What is the PEG ratio of BTPN?
The PEG ratio of PT Bank SMBC Indonesia Tbk is 0.41 (P/E divided by earnings growth, as of Nov 7, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of PT Bank SMBC Indonesia Tbk (BTPN)?
Balance-sheet figures for PT Bank SMBC Indonesia Tbk (as of Nov 7, 2026): return on equity 0.3%, debt of 0.67 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is BTPN from its 52-week high?
PT Bank SMBC Indonesia Tbk trades at 2,430 IDR, about 4% below its 52-week high of 2,520 IDR and 27% above the low of 1,921 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1,898 IDR is for.
Which stocks are comparable to PT Bank SMBC 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 PT Bank SMBC Indonesia Tbk stock attractive at the current price?
The data as of Nov 7, 2026: price 2,430 IDR, calculated fair value 1,898 IDR (−22%), Quality Score 42/100, from 6 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 BTPN calculated?
We run PT Bank SMBC Indonesia Tbk through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 1,898 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. PT Bank SMBC Indonesia Tbk itself currently trades above fair value. 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 PT Bank SMBC Indonesia Tbk (BTPN)?
The closing price on Nov 6, 2026 was 2,430 IDR. Our model-based fair value is 1,898 IDR, about 22% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PT Bank SMBC Indonesia Tbk right now?
The price sits above even our optimistic bull case (2,372 IDR). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 PT Bank SMBC Indonesia Tbk (BTPN) come from?
Earnings per share at PT Bank SMBC Indonesia Tbk grew −4.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.3 %, EBIT margin −5.9 %, tax rate +0.2 %, residual (interest, one-offs) +0.1 %. 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 PT Bank SMBC Indonesia Tbk

How large is the market capitalisation of PT Bank SMBC Indonesia Tbk (BTPN)?
The market capitalisation of PT Bank SMBC Indonesia Tbk is 25.9T IDR (≈ $1.4B). 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 PT Bank SMBC Indonesia Tbk (BTPN)?
The price-to-sales ratio of PT Bank SMBC Indonesia Tbk is 1.08 (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 PT Bank SMBC Indonesia Tbk (BTPN)?
Earnings per share at PT Bank SMBC Indonesia Tbk are 41.83 IDR (price ÷ EPS = P/E 58.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of PT Bank SMBC Indonesia Tbk (BTPN)?
The dividend yield of PT Bank SMBC Indonesia Tbk is 0.4% (payout 22.7%). 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 PT Bank SMBC Indonesia Tbk (BTPN)?
The net margin of PT Bank SMBC Indonesia Tbk is 1.9% (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 PT Bank SMBC Indonesia Tbk (BTPN)?
The return on equity (ROE) of PT Bank SMBC Indonesia Tbk is 0.3% (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 PT Bank SMBC Indonesia Tbk (BTPN)?
On an EBIT basis the return on assets of PT Bank SMBC Indonesia Tbk is 1.6% (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 PT Bank SMBC Indonesia Tbk (BTPN)?
The operating margin of PT Bank SMBC Indonesia Tbk is 5.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PT Bank SMBC Indonesia Tbk (BTPN)?
Revenue at PT Bank SMBC Indonesia Tbk is growing +0.3% versus a year earlier (3y avg +16.8%). 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 PT Bank SMBC Indonesia Tbk (BTPN)?
Earnings per share at PT Bank SMBC Indonesia Tbk are growing −10.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does PT Bank SMBC Indonesia Tbk (BTPN) generate?
The free cash flow of PT Bank SMBC Indonesia Tbk is 4.2T 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 PT Bank SMBC Indonesia Tbk (BTPN) carry?
The net debt of PT Bank SMBC Indonesia Tbk is 32.9T IDR (fiscal year 2025, ≈ 7.9 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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