Bank Net Indonesia Syariah Tbk PT (BANK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bank Net Indonesia Syariah Tbk PT stock IDR 117, price IDR 169, that is 30.5% below the price, quality 60 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 169.00 IDR – 3,414 IDR · fair‑value band 116.51 IDR – 125.38 IDR · the 169.00 IDR price screens above the 117.45 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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PT Bank Aladin Syariah Tbk provides banking products and services to individual and business customers in Indonesia.
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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 169.00 IDR, while our model-based Fair Value estimate is 117.45 IDR, 31% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 228.81 IDR per share, and 1 of the 4 models we run sit above the 169.00 IDR price.
Bear case: the Economic Profit group reads lowest at 138.18 IDR, and 3 of the 4 models stay below the price. Data coverage for this calculation is low.
Scenario range: 116.51 IDR (bear) to 125.38 IDR (bull), the price of 169.00 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 60/100 (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 2.6T IDR (≈ $146M) Micro · P/E ratio 57.5 · P/S ratio 10.9 · EPS (TTM) 2.94 IDR · Net margin 19.0% · Return on equity 2.1% · Return on assets (EBIT) −2.8% (5-year average) · Operating margin 9.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 40 out of 100 (low confidence).
What moves the price
The share trades about 84% 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 −28% fair-value upside, at −31%, BANK screens richer than that median.
Fair Value models
Bear116.51 IDRFair Value 117.45 IDRBull125.38 IDR
Price 169.00 IDR · Downside -30.5%
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 (2.52 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 Income137.07 IDR138.18 IDR147.50 IDR68
P/E Multiple104.29 IDR139.05 IDR173.82 IDR63
P/B Multiple238.92 IDR318.56 IDR398.20 IDR55
All 4 models by family
Multiples
P/E Multiple104.29 IDR139.05 IDR173.82 IDR63
P/B Multiple238.92 IDR318.56 IDR398.20 IDR55
Asset-Based
NCAV (Graham)113.77 IDR152.45 IDR227.54 IDR51
Economic Profit
Residual Income137.07 IDR138.18 IDR147.50 IDR68
The fair value above starts from this blend and is adjusted for dilution from new shares.
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.20.1% vs 4.8%, 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 · 996 stocks
Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside−30.5% · Below median
Profitability
Return on equity (12 months)2.1% · Bottom 25%
Return on assets1.0% · Above median
Net margin (12 months)11.6% · Bottom 25%
Operating margin (12 months)9.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−43.5% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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 Nov 7, 2026, our model estimates a fair value of 117.45 IDR versus a price of 169.00 IDR, about 31% lower (overvalued).
What is the fair value of BANK?
Our model-based fair value for Bank Net Indonesia Syariah Tbk PT is 117.45 IDR (as of Nov 7, 2026), built from audited fundamentals. The current price: 169.00 IDR.
What is the quality score of BANK?
Bank Net Indonesia Syariah Tbk PT has a Quality Score of 60/100. 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 117.45 IDR (as of Nov 7, 2026) from 4 valuation models. Cautious scenario 116.51 IDR, optimistic scenario 125.38 IDR. 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 117.45 IDR, about 31% lower versus a price of 169.00 IDR (overvalued). Cautious scenario 116.51 IDR, optimistic scenario 125.38 IDR. 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 603B IDR (latest available figure, as of Nov 7, 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 117.45 IDR per share (as of Nov 7, 2026), against a price of 169.00 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Bank Net Indonesia Syariah Tbk PT stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BANK trades above its calculated fair value: price 169.00 IDR, fair value 117.45 IDR, a gap of about −31% (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 (169.00 IDR); the fair value is what the company's own numbers justify (117.45 IDR). For Bank Net Indonesia Syariah Tbk PT the two are 51.55 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 2.6T IDR (market capitalisation, as of Nov 7, 2026). Per share that is 169.00 IDR; our models calculate a fair value of 117.45 IDR per share.
What do the bullish and bearish scenarios say about BANK?
Our models span a range for Bank Net Indonesia Syariah Tbk PT: cautious scenario 116.51 IDR, base 117.45 IDR, optimistic 125.38 IDR per share (as of Nov 7, 2026, price 169.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BANK?
Bank Net Indonesia Syariah Tbk PT trades at a price-to-earnings ratio of 57.5 (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 117.45 IDR is built from several models across several years. Other multiples: P/B 0.8, P/S 4.4.
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 Nov 7, 2026): return on equity 2.1%. They feed the Quality Score of 60/100, 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 169.00 IDR, about 84% below its 52-week high of 1,080 IDR and at the low of 169.00 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 117.45 IDR is for.
Which stocks are comparable to Bank Net Indonesia Syariah Tbk PT?
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 Net Indonesia Syariah Tbk PT stock attractive at the current price?
The data as of Nov 7, 2026: price 169.00 IDR, calculated fair value 117.45 IDR (−31%), Quality Score 60/100, 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 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 117.45 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 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 Nov 6, 2026 was 169.00 IDR. Our model-based fair value is 117.45 IDR, about 31% lower (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 (125.38 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 (60/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band (116.51 IDR to 125.38 IDR), unusually little disagreement for a valuation.
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 2.6T IDR (≈ $146M). 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 10.9 (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 2.94 IDR (price ÷ EPS = P/E 57.5). 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 2.1% (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 9.4% (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 −43.5% 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 −80.5% 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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Thin data
Nov 7, 2026