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Bank Sinarmas Tbk (BSIM) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Bank Sinarmas Tbk IDR 212, price IDR 990, upside -78.6%, quality 49 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Financial Services · ID · ISIN ID1000117807

BS Thin data Sep 23, 2026

Bank Sinarmas Tbk

BSIM · JK

Weakest SetupStrongly overvalued and low quality.

!Fair value 211.59 IDR · Strongly overvalued (−79%)
!Quality 49/100
!Weak Growth (revenue 5y −3.3 %/yr)
!Thin margins · 9.9% net margin (TTM)
✓Low debt · generates free cash flow
!Trails peers (2/13)
!Narrow moat 26/100
!Insider activity 45/100
!Evidence only low, so the estimate is less certain
!Weak on past: 15 out of 100
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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

1,710 IDR 530.00 IDR Fair Value 211.59 IDR Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range 530.00 IDR – 1,710 IDR · fair‑value band 158.69 IDR – 264.49 IDR · the 990.00 IDR price screens above the 211.59 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

PT Bank Sinarmas Tbk provides various banking products and services in Indonesia. The company operates through Marketing and Credit, Treasury, and Trade Finance segments. It offers savings, time and on-call deposits, and current accounts; mutual funds; bancassurance products; and mutual funds investment and guarantees services.

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PT Bank Sinarmas Tbk provides various banking products and services in Indonesia. The company operates through Marketing and Credit, Treasury, and Trade Finance segments. It offers savings, time and on-call deposits, and current accounts; mutual funds; bancassurance products; and mutual funds investment and guarantees services. The company also provides unsecured, car ownership, multipurpose, working capital, investment loans, as well as simas cash fund, expansion of collateral, back-to-back credit, micro and business credit, and palm oil farmers loan; inward documentary collection, issuance, amendment, advising, outward documentary collection, discount export document, and negotiation export document; and treasury services comprising telegraphic transfer, bank notes, FX hedging, and ODA for G7. In addition, it offers insurance products; other services, such as safe deposit box, travelers cheque, simas holiday, payroll, bill payment, and giro biller insurance products; internet, mobile, and phone banking; and debit card and credit card. Further, the company is involved in investments in securities and money markets; financing; issuance of debt; and trade financing activities. The company was formerly known as PT Bank Shinta Indonesia and changed its name to PT Bank Sinarmas Tbk in January 2007. PT Bank Sinarmas Tbk was founded in 1989 and is headquartered in Jakarta, Indonesia. PT Bank Sinarmas Tbk operates as a subsidiary of PT Sinar Mas Multiartha Tbk.

Stock analysis

Bank Sinarmas Tbk (BSIM) currently trades at 990.00 IDR, while our model-based Fair Value estimate is 211.59 IDR, implying the stock looks roughly 367.9% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of 294.82 IDR per share, and 0 of the 4 models we run sit above the 990.00 IDR price.

Bear case: the Multiples group reads lowest at 188.41 IDR, and 4 of the 4 models stay below the price. Evidence for this calculation is low.

Scenario range: 158.69 IDR (bear) to 264.49 IDR (bull), the price of 990.00 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 49/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Bank Sinarmas Tbk reported revenue of 4.0T IDR in FY2025 versus 4.0T IDR in FY2021, a compound −0.1%/yr. Reported net income was 286B IDR in FY2025, compounding +22.3%/yr from FY2021.

Key figures

Market cap 19.5T IDR (≈ $2.0B) · P/E ratio 67.8 · P/S ratio 4.86 · EPS (TTM) 14.60 IDR · Net margin 7.2% · Return on equity 3.6% · Return on assets (EBIT) 0.5% · Operating margin −55.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 42% below its 52-week high and 46% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −79%, BSIM screens richer than that median.

Fair Value models

Bear 158.69 IDR Fair Value 211.59 IDR Bull 264.49 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 (10.68 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.
Highest evidence
Residual Income 301.87 IDR 287.47 IDR 227.97 IDR 71
P/E Multiple 141.31 IDR 188.41 IDR 235.51 IDR 63
P/B Multiple 184.79 IDR 246.38 IDR 307.98 IDR 55
All 4 models by family
Multiples
P/E Multiple 141.31 IDR 188.41 IDR 235.51 IDR 63
P/B Multiple 184.79 IDR 246.38 IDR 307.98 IDR 55
Asset-Based
NCAV (Graham) 220.02 IDR 294.82 IDR 440.03 IDR 54
Economic Profit
Residual Income 301.87 IDR 287.47 IDR 227.97 IDR 71

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Quality Score breakdown

Overall quality 49/100

Of which business quality 52 · Market factors (momentum, volatility) 48

Profitability 19
Margins and returns on capital today
Quality Growth 56
Are margins and returns improving?
Cashflow 48
Earnings quality: real cash, not paper profit
Fin. Strength 57
Balance sheet, leverage, solvency risk
Investment 74
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 53
Price trend over the last 3–12 months (market factor)
52W Momentum 38
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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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. 40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−4.7%
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.
+2.1%
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.
−3.3%
Start year 2020 (pandemic). Over 10 years: +4.1% a year
Revenue growth 22 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.
+22.6%
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.
+19.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.3%
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.19% vs 1%, 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.3% → 13%
Start year 2020 (pandemic)

Growth Forecast

A lot of optimism in the price
The price assumes more 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).
+25.6%
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 +22.4% a year for the price.

BSIM screens 368% overvalued. Compare with DBS Group →

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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 · 1074 stocks

Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −79% · Bottom 25%
Profitability
Return on equity (TTM) 4% · Bottom 25%
Return on assets 1% · Below median
Net margin (TTM) 10% · Bottom 25%
Operating margin (TTM) −55% · Bottom 25%
Growth and dividend
Revenue growth −19% · Bottom 25%
Balance sheet
Debt / equity 0.07× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 67.8× · Priciest 25%
P/B 2.25× · Priciest 25%
P/S (TTM) 6.72× · Priciest 25%
P/FCF 0.0× · Cheapest 25%
EV/EBITDA 12.5× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 12
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)15 · sector 41
HEALTH (low debt)96 · sector 85
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

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
DBS Group D05 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹636.31 −53%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Cite: Fair Value Calculator (2026). "Bank Sinarmas Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BSIM

Frequently asked questions

Is Bank Sinarmas Tbk (BSIM) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 211.59 IDR versus a price of 990.00 IDR, about −79% upside (overvalued).
What is the fair value of BSIM?
Our model-based fair value for Bank Sinarmas Tbk is 211.59 IDR (as of Sep 23, 2026), built from audited fundamentals. The current price: 990.00 IDR.
What is the quality score of BSIM?
Bank Sinarmas Tbk has a Quality Score of 49/100. 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 Sinarmas Tbk (BSIM)?
Our model-based price target is the fair value of 211.59 IDR (as of Sep 23, 2026) from 4 valuation models. Cautious scenario 158.69 IDR, optimistic scenario 264.49 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Sinarmas Tbk stock forecast for 2026?
Our models put fair value at 211.59 IDR, about −79% upside versus a price of 990.00 IDR (overvalued). Cautious scenario 158.69 IDR, optimistic scenario 264.49 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Sinarmas Tbk (BSIM)?
Bank Sinarmas Tbk reported trailing-twelve-month revenue of about 2.9T IDR (latest available figure, as of Sep 23, 2026).
What growth is priced into Bank Sinarmas Tbk (BSIM)?
For today's price to be fair in a discounted-cash-flow model, Bank Sinarmas Tbk would have to grow free cash flow by +25.6 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -3.3 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of BSIM use?
Our models discount Bank Sinarmas Tbk at 12.0 %: a base by market capitalisation (small), damped by beta 0.13, 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 Sinarmas Tbk that is +25.6 % per year a year over ten years, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has Bank Sinarmas Tbk (BSIM) delivered so far?
Over the past 5 years revenue at Bank Sinarmas Tbk grew -3.3 % a year. The price currently implies +25.6 % 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 Sinarmas Tbk (BSIM) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Bank Sinarmas Tbk (+25.6 % 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 Sinarmas Tbk (BSIM)?
The free-cash-flow yield on the price is 1.32 %: that much free cash flow Bank Sinarmas Tbk produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), 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 Sinarmas Tbk (BSIM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Sinarmas Tbk it is 211.59 IDR per share (as of Sep 23, 2026), against a price of 990.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Sinarmas Tbk stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BSIM trades above its calculated fair value: price 990.00 IDR, fair value 211.59 IDR, a gap of about −79% (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 BSIM?
No. The price is what the market pays today (990.00 IDR); the fair value is what the company's own numbers justify (211.59 IDR). For Bank Sinarmas Tbk the two are 778.41 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Sinarmas Tbk worth?
The market values Bank Sinarmas Tbk at about 19.5T IDR (market capitalisation, as of Sep 23, 2026). Per share that is 990.00 IDR; our models calculate a fair value of 211.59 IDR per share.
What do the bullish and bearish scenarios say about BSIM?
Our models span a range for Bank Sinarmas Tbk: cautious scenario 158.69 IDR, base 211.59 IDR, optimistic 264.49 IDR per share (as of Sep 23, 2026, price 990.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BSIM?
Bank Sinarmas Tbk trades at a price-to-earnings ratio of 67.8 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 211.59 IDR is built from several models across several years. Other multiples: P/B 2.3, P/S 6.7, EV/EBITDA 12.5.
How solid is the balance sheet of Bank Sinarmas Tbk (BSIM)?
Balance-sheet figures for Bank Sinarmas Tbk (as of Sep 23, 2026): return on equity 3.6%, debt of 0.07 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is BSIM from its 52-week high?
Bank Sinarmas Tbk trades at 990.00 IDR, about 42% below its 52-week high of 1,710 IDR and 46% above the low of 680.00 IDR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 211.59 IDR is for.
Which stocks are comparable to Bank Sinarmas Tbk?
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 Sinarmas Tbk stock attractive at the current price?
The data as of Sep 23, 2026: price 990.00 IDR, calculated fair value 211.59 IDR (−79%), Quality Score 49/100, 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 BSIM calculated?
We run Bank Sinarmas 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 211.59 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 14.1 % above its aggregate fair value. Bank Sinarmas 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 Sinarmas Tbk (BSIM)?
The closing price on Sep 23, 2026 was 990.00 IDR. Our model-based fair value is 211.59 IDR, about −79% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Sinarmas Tbk right now?
The price sits above even our optimistic bull case (264.49 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 (49/100) 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.
Where does the earnings growth of Bank Sinarmas Tbk (BSIM) come from?
Earnings per share at Bank Sinarmas Tbk grew −4.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.2 %, EBIT margin −3.5 %, tax rate −0.7 %, residual (interest, one-offs) −1.3 %. 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 Sinarmas Tbk

How large is the market capitalisation of Bank Sinarmas Tbk (BSIM)?
The market capitalisation of Bank Sinarmas Tbk is 19.5T IDR (≈ $2.0B). 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 Sinarmas Tbk (BSIM)?
The price-to-sales ratio of Bank Sinarmas Tbk is 4.86 (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 Sinarmas Tbk (BSIM)?
Earnings per share at Bank Sinarmas Tbk are 14.60 IDR (price ÷ EPS = P/E 67.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Sinarmas Tbk (BSIM)?
The net margin of Bank Sinarmas Tbk is 7.2% (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 Sinarmas Tbk (BSIM)?
The return on equity (ROE) of Bank Sinarmas Tbk is 3.6% (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 Sinarmas Tbk (BSIM)?
On an EBIT basis the return on assets of Bank Sinarmas 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 Sinarmas Tbk (BSIM)?
The operating margin of Bank Sinarmas Tbk is −55.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Sinarmas Tbk (BSIM)?
Revenue at Bank Sinarmas Tbk is growing −19.0% versus a year earlier (3y avg +2.1%). 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 Sinarmas Tbk (BSIM)?
Earnings per share at Bank Sinarmas Tbk are growing +4.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Bank Sinarmas Tbk (BSIM) hold?
Bank Sinarmas Tbk holds more cash than debt, 8.6T IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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