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PT Bank CIMB Niaga Tbk, (BNGA) Fair Value & Analysis

Financial Services · ID · Market cap 37.2T IDR

Price1,575 IDR
Fair Value3,150 IDR
Upside+100.0%
Quality95/100
Evidence: High Range 2,363 IDR – 3,938 IDR

Fair value as of: Jun 25, 2026

Analysis

PT Bank CIMB Niaga Tbk, (BNGA) currently trades at 1,575 IDR, while our model-based Fair Value estimate is 3,150 IDR — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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

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Frequently asked questions

Is PT Bank CIMB Niaga Tbk, (BNGA) undervalued?
As of Jun 25, 2026, our model estimates a fair value of 3,150 IDR versus a price of 1,575 IDR — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BNGA?
Our 21-model fair value for PT Bank CIMB Niaga Tbk, is 3,150 IDR (as of Jun 25, 2026), built from audited fundamentals. The current price is 1,575 IDR.
What is the quality score of BNGA?
PT Bank CIMB Niaga Tbk, has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.