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PT Bank SMBC Indonesia Tbk (BTPN) Fair Value & Analysis

Financial Services · ID · Market cap 21.2T IDR

Price2,120 IDR
Fair Value617.35 IDR
Upside-70.9%
Quality92/100
Evidence: High Range 463.01 IDR – 771.68 IDR

Fair value as of: Jun 25, 2026

Analysis

PT Bank SMBC Indonesia Tbk (BTPN) currently trades at 2,120 IDR, while our model-based Fair Value estimate is 617.35 IDR — implying the stock looks roughly 70.9% overvalued today. We read business quality at 92/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

PT Bank SMBC Indonesia Tbk provides various banking products and services primarily in Indonesia. It operates through six segments: Retail; Micro, Small & Medium Enterprises; Funding and Treasury; Corporate; Sharia; and Financing. The company offers current, savings, time deposits and demand deposit accounts. It offers loan products, including officer and employee, term installment, term, pension, retirement, active employee, collateral and non-collateral, overdraft, syndication, and sustainable finance, as well as short-, medium-, and long-term loans; working capital and investment credit; and project finance. It also provides transaction banking, including remittance, tax payment, trade finance, cash management, custody and securities, and supply chain financing services. In addition, the company offers services related to investment products & bancassurance, such as mutual funds, government bonds, and insurance products, as well as treasury solution and financial markets solution…

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Frequently asked questions

Is PT Bank SMBC Indonesia Tbk (BTPN) undervalued?
As of Jun 25, 2026, our model estimates a fair value of 617.35 IDR versus a price of 2,120 IDR — about −71% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BTPN?
Our 21-model fair value for PT Bank SMBC Indonesia Tbk is 617.35 IDR (as of Jun 25, 2026), built from audited fundamentals. The current price is 2,120 IDR.
What is the quality score of BTPN?
PT Bank SMBC Indonesia Tbk has a Quality Score of 92/100, 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.