Bank Net Indonesia Syariah Tbk PT (BANK) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Bank Net Indonesia Syariah Tbk PT IDR 140, price IDR 240, upside -41.8%, quality 68 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 238.00 IDR – 3,414 IDR · the 240.00 IDR price screens above the 139.77 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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PT Bank Aladin Syariah Tbk provides banking products and services to individual and business customers in Indonesia. It offers savings products, current accounts, and certificates; funding and financing products; and other banking services, including fund transfers, payments, purchases, e-wallet, cash withdrawals and deposits, and others.
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PT Bank Aladin Syariah Tbk provides banking products and services to individual and business customers in Indonesia. It offers savings products, current accounts, and certificates; funding and financing products; and other banking services, including fund transfers, payments, purchases, e-wallet, cash withdrawals and deposits, and others. The company was founded in 1994 and is headquartered in Jakarta Selatan, Indonesia. PT Bank Aladin Syariah Tbk is a subsidiary of PT Aladin Global Ventures.
Stock analysis
Bank Net Indonesia Syariah Tbk PT (BANK) currently trades at 240.00 IDR, while our model-based Fair Value estimate is 139.77 IDR, implying the stock looks roughly 71.7% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 148.92 IDR per share, and 0 of the 4 models we run sit above the 240.00 IDR price.
Bear case: the Multiples group reads lowest at 132.44 IDR, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 68/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank Net Indonesia Syariah Tbk PT reported revenue of 791B IDR in FY2025 versus 33.4B IDR in FY2021, a compound +120.6%/yr. Reported net income was 151B IDR in FY2025.
Key figures
Market cap 4.4T IDR (≈ $248M) · P/E ratio 29.7 · P/S ratio 5.65 · EPS (TTM) 8.09 IDR · Net margin 19.0% · Return on equity 4.3% · Return on assets (EBIT) −2.8% · Operating margin 13.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 78% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −42%, BANK screens richer than that median.
Fair Value models
Bear 139.77 IDRFair Value 139.77 IDRBull 139.77 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 (5.94 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.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+65.8%
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.
+126.7%
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.
+87.6%
Start year 2020 (pandemic). Over 10 years: +16.1% a year
Revenue growth 13 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.
+17.0%
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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.
+20.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+20.1%
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.20% vs 5%, 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.132% → 18%
Compare Bank Net Indonesia Syariah Tbk PT 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 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score71 · Top 25%
Fair Value upside−42% · Bottom 25%
Profitability
Return on equity (TTM)4% · Bottom 25%
Return on assets1% · Above median
Net margin (TTM)20% · Bottom 25%
Operating margin (TTM)14% · Bottom 25%
Growth and dividend
Revenue growth−27% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)29.7× · Priciest 25%
P/B1.35× · Pricier than median
P/S (TTM)6.29× · Priciest 25%
P/FCF0.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)0· sector 45
PAST (return on equity)17· sector 41
HEALTH (low debt)0· 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 Net Indonesia Syariah Tbk PT Fair Value". https://www.fairvalue-calculator.com/stock/BANK
Frequently asked questions
Is Bank Net Indonesia Syariah Tbk PT (BANK) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 139.77 IDR versus a price of 240.00 IDR, about −42% upside (overvalued).
What is the fair value of BANK?
Our model-based fair value for Bank Net Indonesia Syariah Tbk PT is 139.77 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 240.00 IDR.
What is the quality score of BANK?
Bank Net Indonesia Syariah Tbk PT has a Quality Score of 68/100. 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 Net Indonesia Syariah Tbk PT (BANK)?
Our model-based price target is the fair value of 139.77 IDR (as of Sep 24, 2026) from 4 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Net Indonesia Syariah Tbk PT stock forecast for 2026?
Our models put fair value at 139.77 IDR, about −42% upside versus a price of 240.00 IDR (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of Bank Net Indonesia Syariah Tbk PT (BANK)?
Bank Net Indonesia Syariah Tbk PT reported trailing-twelve-month revenue of about 706B IDR (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Bank Net Indonesia Syariah Tbk PT (BANK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Net Indonesia Syariah Tbk PT it is 139.77 IDR per share (as of Sep 24, 2026), against a price of 240.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Net Indonesia Syariah Tbk PT stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BANK trades above its calculated fair value: price 240.00 IDR, fair value 139.77 IDR, a gap of about −42% (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 BANK?
No. The price is what the market pays today (240.00 IDR); the fair value is what the company's own numbers justify (139.77 IDR). For Bank Net Indonesia Syariah Tbk PT the two are 100.23 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Net Indonesia Syariah Tbk PT worth?
The market values Bank Net Indonesia Syariah Tbk PT at about 4.4T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 240.00 IDR; our models calculate a fair value of 139.77 IDR per share.
What is the P/E ratio of BANK?
Bank Net Indonesia Syariah Tbk PT trades at a price-to-earnings ratio of 29.7 (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 139.77 IDR is built from several models across several years. Other multiples: P/B 1.4, P/S 6.3.
How solid is the balance sheet of Bank Net Indonesia Syariah Tbk PT (BANK)?
Balance-sheet figures for Bank Net Indonesia Syariah Tbk PT (as of Sep 24, 2026): return on equity 4.3%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is BANK from its 52-week high?
Bank Net Indonesia Syariah Tbk PT trades at 240.00 IDR, about 78% below its 52-week high of 1,080 IDR and 1% above the low of 238.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 139.77 IDR is for.
Which stocks are comparable to Bank Net Indonesia Syariah Tbk PT?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Net Indonesia Syariah Tbk PT stock attractive at the current price?
The data as of Sep 24, 2026: price 240.00 IDR, calculated fair value 139.77 IDR (−42%), Quality Score 68/100, 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 BANK calculated?
We run Bank Net Indonesia Syariah Tbk PT 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 139.77 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 13.0 % above its aggregate fair value. Bank Net Indonesia Syariah Tbk PT 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 Net Indonesia Syariah Tbk PT (BANK)?
The closing price on Sep 24, 2026 was 240.00 IDR. Our model-based fair value is 139.77 IDR, about −42% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Net Indonesia Syariah Tbk PT right now?
The price sits above even our optimistic bull case (139.77 IDR). The favourable scenario is already priced in. 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 but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Bank Net Indonesia Syariah Tbk PT
How large is the market capitalisation of Bank Net Indonesia Syariah Tbk PT (BANK)?
The market capitalisation of Bank Net Indonesia Syariah Tbk PT is 4.4T IDR (≈ $248M). 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 Net Indonesia Syariah Tbk PT (BANK)?
The price-to-sales ratio of Bank Net Indonesia Syariah Tbk PT is 5.65 (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 Net Indonesia Syariah Tbk PT (BANK)?
Earnings per share at Bank Net Indonesia Syariah Tbk PT are 8.09 IDR (price ÷ EPS = P/E 29.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Net Indonesia Syariah Tbk PT (BANK)?
The net margin of Bank Net Indonesia Syariah Tbk PT is 19.0% (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 Net Indonesia Syariah Tbk PT (BANK)?
The return on equity (ROE) of Bank Net Indonesia Syariah Tbk PT is 4.3% (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 Bank Net Indonesia Syariah Tbk PT (BANK)?
On an EBIT basis the return on assets of Bank Net Indonesia Syariah Tbk PT is −2.8% (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 Net Indonesia Syariah Tbk PT (BANK)?
The operating margin of Bank Net Indonesia Syariah Tbk PT is 13.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Net Indonesia Syariah Tbk PT (BANK)?
Revenue at Bank Net Indonesia Syariah Tbk PT is growing −26.8% versus a year earlier (3y avg +127%). 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 Net Indonesia Syariah Tbk PT (BANK)?
Earnings per share at Bank Net Indonesia Syariah Tbk PT are growing −37.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Net Indonesia Syariah Tbk PT (BANK) generate?
The free cash flow of Bank Net Indonesia Syariah Tbk PT is 5.8T 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 cash does Bank Net Indonesia Syariah Tbk PT (BANK) hold?
Bank Net Indonesia Syariah Tbk PT holds more cash than debt, 4.5T IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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