Bank Mnc Internasional Tbk (BABP) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Bank Mnc Internasional Tbk IDR 23, price IDR 50, upside -53.2%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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PT Bank MNC Internasional Tbk provides various banking products and services in Indonesia. It operates through Business, Consumer, Treasury, and Other segments. The company accepts demand, savings, and time deposits, as well as certificates of deposits.
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PT Bank MNC Internasional Tbk provides various banking products and services in Indonesia. It operates through Business, Consumer, Treasury, and Other segments. The company accepts demand, savings, and time deposits, as well as certificates of deposits. It provides loans including working capital, investment, housing, motorcycle, car loans; debit and credit cards; money market; customer fund account; trading; treasury services; foreign exchange transactions; remittances; fund transfers; wealth management; bancassurance; bank guarantees. The company also offers pension products and custodian bank services. It operates through main and supporting branch offices, functional office, and ATMs. The company was formerly known as PT Bank ICB Bumiputera Tbk and changed its name to PT Bank MNC Internasional Tbk in April 2014. PT Bank MNC Internasional Tbk was founded in 1989 and is headquartered in Jakarta Pusat, Indonesia.
Stock analysis
Bank Mnc Internasional Tbk (BABP) currently trades at 50.00 IDR, while our model-based Fair Value estimate is 23.38 IDR, implying the stock looks roughly 113.8% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 56.52 IDR per share, and 1 of the 4 models we run sit above the 50.00 IDR price.
Bear case: the Multiples group reads lowest at 23.91 IDR, and 3 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 17.54 IDR (bear) to 29.23 IDR (bull), the price of 50.00 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 41/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank Mnc Internasional Tbk reported revenue of 1.7T IDR in FY2025 versus 1.1T IDR in FY2021, a compound +11.2%/yr. Reported net income was 81.8B IDR in FY2025, compounding +58.8%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 2.2T IDR (≈ $124M) · P/E ratio 28.4 · P/S ratio 1.36 · EPS (TTM) 1.76 IDR · Net margin 4.8% · Return on equity 2.2% · Return on assets (EBIT) 0.5% · Operating margin 12.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −53%, BABP screens richer than that median.
Fair Value models
Bear 17.54 IDRFair Value 23.38 IDRBull 29.23 IDR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (1.29 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.Evidence ⓘEvidence = 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.
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.82/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+13.5%
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.
+10.4%
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.
+8.5%
Start year 2020 (pandemic). Over 10 years: +5.6% a year
Revenue growth 24 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.
+8.1%
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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.
+30.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+30.3%
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.30% vs 14%, 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.1% → 6%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 7.8%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−19.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Indonesia: IMF forecast 2.6% a year to 2030, 2.9% from 2016 to 2025) that is about −21.7% a year for the price.
Compare Bank Mnc Internasional Tbk with another stock
Price, fair value, quality and upside side by side.
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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 · 1076 stocks
Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score39 · Bottom 25%
Fair Value upside−53% · Bottom 25%
Profitability
Return on equity (TTM)2% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)13% · Bottom 25%
Operating margin (TTM)13% · Bottom 25%
Growth and dividend
Revenue growth3% · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)28.4× · Priciest 25%
P/B0.59× · Cheapest 25%
P/S (TTM)3.47× · Pricier than median
P/FCF0.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)13· sector 45
PAST (return on equity)9· sector 41
HEALTH (low debt)100· sector 85
DIVIDEND (yield)0· sector 53
VALUE 0: the price sits above our fair-value range.
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.
Cite: Fair Value Calculator (2026). "Bank Mnc Internasional Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BABP
Frequently asked questions
Is Bank Mnc Internasional Tbk (BABP) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 23.38 IDR versus a price of 50.00 IDR, about −53% upside (overvalued).
What is the fair value of BABP?
Our model-based fair value for Bank Mnc Internasional Tbk is 23.38 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 50.00 IDR.
What is the quality score of BABP?
Bank Mnc Internasional Tbk has a Quality Score of 41/100. 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 Mnc Internasional Tbk (BABP)?
Our model-based price target is the fair value of 23.38 IDR (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 17.54 IDR, optimistic scenario 29.23 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Mnc Internasional Tbk stock forecast for 2026?
Our models put fair value at 23.38 IDR, about −53% upside versus a price of 50.00 IDR (overvalued). Cautious scenario 17.54 IDR, optimistic scenario 29.23 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Mnc Internasional Tbk (BABP)?
Bank Mnc Internasional Tbk reported trailing-twelve-month revenue of about 640B IDR (latest available figure, as of Sep 24, 2026).
What growth is priced into Bank Mnc Internasional Tbk (BABP)?
For today's price to be fair in a discounted-cash-flow model, Bank Mnc Internasional Tbk would have to grow free cash flow by -19.7 % per year for five years (discount rate 13.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of BABP use?
Our models discount Bank Mnc Internasional Tbk at 13.5 %: a base by market capitalisation (micro), damped by beta 0.42, country premium for Indonesia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bank Mnc Internasional Tbk that is -19.7 % per year a year over ten years, using the same discount rate (13.5 %) and the same formula as our fair value.
How much growth has Bank Mnc Internasional Tbk (BABP) delivered so far?
Over the past 5 years revenue at Bank Mnc Internasional Tbk grew +8.5 % a year. The price currently implies -19.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bank Mnc Internasional Tbk (BABP) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Bank Mnc Internasional Tbk (-19.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bank Mnc Internasional Tbk (BABP)?
The free-cash-flow yield on the price is 20.47 %: that much free cash flow Bank Mnc Internasional Tbk produces per unit of market value. When it exceeds the discount rate of our models (13.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bank Mnc Internasional Tbk (BABP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Mnc Internasional Tbk it is 23.38 IDR per share (as of Sep 24, 2026), against a price of 50.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Mnc Internasional Tbk stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BABP trades above its calculated fair value: price 50.00 IDR, fair value 23.38 IDR, a gap of about −53% (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 BABP?
No. The price is what the market pays today (50.00 IDR); the fair value is what the company's own numbers justify (23.38 IDR). For Bank Mnc Internasional Tbk the two are 26.62 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Mnc Internasional Tbk worth?
The market values Bank Mnc Internasional Tbk at about 2.2T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 50.00 IDR; our models calculate a fair value of 23.38 IDR per share.
What do the bullish and bearish scenarios say about BABP?
Our models span a range for Bank Mnc Internasional Tbk: cautious scenario 17.54 IDR, base 23.38 IDR, optimistic 29.23 IDR per share (as of Sep 24, 2026, price 50.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BABP?
Bank Mnc Internasional Tbk trades at a price-to-earnings ratio of 28.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 23.38 IDR is built from several models across several years. Other multiples: P/B 0.6, P/S 3.5.
How solid is the balance sheet of Bank Mnc Internasional Tbk (BABP)?
Balance-sheet figures for Bank Mnc Internasional Tbk (as of Sep 24, 2026): return on equity 2.2%. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is BABP from its 52-week high?
Bank Mnc Internasional Tbk trades at 50.00 IDR, about 26% below its 52-week high of 68.00 IDR and at the low of 50.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 23.38 IDR is for.
Which stocks are comparable to Bank Mnc Internasional Tbk?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Mnc Internasional Tbk stock attractive at the current price?
The data as of Sep 24, 2026: price 50.00 IDR, calculated fair value 23.38 IDR (−53%), Quality Score 41/100, 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 BABP calculated?
We run Bank Mnc Internasional Tbk through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 23.38 IDR, 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 14.0 % above its aggregate fair value. Bank Mnc Internasional 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 Bank Mnc Internasional Tbk (BABP)?
The closing price on Sep 24, 2026 was 50.00 IDR. Our model-based fair value is 23.38 IDR, about −53% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Mnc Internasional Tbk right now?
The price sits above even our optimistic bull case (29.23 IDR). The favourable scenario is already priced in. Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 Mnc Internasional Tbk (BABP) come from?
Earnings per share at Bank Mnc Internasional Tbk grew +17.7 % a year from 2015 to 2025. Broken into its drivers: revenue per share −4.7 %, EBIT margin +23.2 %, tax rate +0.2 %, 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 Mnc Internasional Tbk
How large is the market capitalisation of Bank Mnc Internasional Tbk (BABP)?
The market capitalisation of Bank Mnc Internasional Tbk is 2.2T IDR (≈ $124M). 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 Mnc Internasional Tbk (BABP)?
The price-to-sales ratio of Bank Mnc Internasional Tbk is 1.36 (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 Mnc Internasional Tbk (BABP)?
Earnings per share at Bank Mnc Internasional Tbk are 1.76 IDR (price ÷ EPS = P/E 28.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Mnc Internasional Tbk (BABP)?
The net margin of Bank Mnc Internasional Tbk is 4.8% (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 Mnc Internasional Tbk (BABP)?
The return on equity (ROE) of Bank Mnc Internasional Tbk is 2.2% (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 Mnc Internasional Tbk (BABP)?
On an EBIT basis the return on assets of Bank Mnc Internasional Tbk is 0.5% (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 Mnc Internasional Tbk (BABP)?
The operating margin of Bank Mnc Internasional Tbk is 12.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Mnc Internasional Tbk (BABP)?
Revenue at Bank Mnc Internasional Tbk is growing +2.5% versus a year earlier (3y avg +10.4%). 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 Mnc Internasional Tbk (BABP)?
Earnings per share at Bank Mnc Internasional Tbk are growing −16.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Bank Mnc Internasional Tbk (BABP) carry?
The net debt of Bank Mnc Internasional Tbk is 546B IDR (fiscal year 2025, ≈ 1.2 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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