Bank Dinar Indonesia Tbk PT (DNAR) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Bank Dinar Indonesia Tbk PT IDR 142, price IDR 126, upside +12.4%, quality 58 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 73.00 IDR – 416.00 IDR · fair‑value band 111.74 IDR – 176.97 IDR · the 126.00 IDR price screens below the 141.58 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 Oke Indonesia Tbk provides various banking products and services in Indonesia. The company offers saving accounts and time deposits, and current account loans, working capital loans, investment loans, lines of credit, and unsecured credit, and payroll loans. It also provides safe deposit box services, as well as mobile banking services.
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PT Bank Oke Indonesia Tbk provides various banking products and services in Indonesia. The company offers saving accounts and time deposits, and current account loans, working capital loans, investment loans, lines of credit, and unsecured credit, and payroll loans. It also provides safe deposit box services, as well as mobile banking services. PT Bank Oke Indonesia Tbk was founded in 1990 and is headquartered in Jakarta Pusat, Indonesia. PT Bank Oke Indonesia Tbk is a subsidiary of OK Next Co,. Ltd.
Stock analysis
Bank Dinar Indonesia Tbk PT (DNAR) currently trades at 126.00 IDR, while our model-based Fair Value estimate is 141.58 IDR, implying the stock looks roughly 11.0% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 150.62 IDR per share, and 3 of the 4 models we run sit above the 126.00 IDR price.
Bear case: the Multiples group reads lowest at 123.11 IDR, and 1 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 111.74 IDR (bear) to 176.97 IDR (bull), the price of 126.00 IDR sits inside 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 58/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank Dinar Indonesia Tbk PT reported revenue of 1.2T IDR in FY2025 versus 519B IDR in FY2021, a compound +24.3%/yr. Reported net income was 160B IDR in FY2025, compounding +74.0%/yr from FY2021.
Key figures
Market cap 2.1T IDR (≈ $120M) · P/E ratio 11.0 · P/S ratio 1.42 · EPS (TTM) 11.45 IDR · Net margin 12.9% · Return on equity 5.2% · Return on assets (EBIT) 0.6% · Operating margin 50.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The share trades about 49% below its 52-week high and 40% 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 12%, DNAR screens cheaper than that median.
Fair Value models
Bear 111.74 IDRFair Value 141.58 IDRBull 176.97 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 (8.41 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
+18.9%
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.
+22.3%
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.
+22.6%
Start year 2020 (pandemic). Over 10 years: +20.6% a year
Revenue growth 14 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.
+31.9%
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What shareholders gained per year (last 5 years), in IDR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+62.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+62.8%
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.53% vs 6%, 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.4% → 17%
2025 sits 460% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less 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).
−16.5%
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 −18.6% a year for the price.
Compare Bank Dinar Indonesia Tbk PT with another stock
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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 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside+12% · Above median
Profitability
Return on equity (TTM)5% · Bottom 25%
Return on assets2% · Top 25%
Net margin (TTM)35% · Above median
Operating margin (TTM)50% · Top 25%
Growth and dividend
Revenue growth43% · Top 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Bank Dinar Indonesia Tbk PT Fair Value". https://www.fairvalue-calculator.com/stock/DNAR
Frequently asked questions
Is Bank Dinar Indonesia Tbk PT (DNAR) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 141.58 IDR versus a price of 126.00 IDR, about +12% upside (undervalued).
What is the fair value of DNAR?
Our model-based fair value for Bank Dinar Indonesia Tbk PT is 141.58 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 126.00 IDR.
What is the quality score of DNAR?
Bank Dinar Indonesia Tbk PT has a Quality Score of 58/100. 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 Dinar Indonesia Tbk PT (DNAR)?
Our model-based price target is the fair value of 141.58 IDR (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 111.74 IDR, optimistic scenario 176.97 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Dinar Indonesia Tbk PT stock forecast for 2026?
Our models put fair value at 141.58 IDR, about +12% upside versus a price of 126.00 IDR (undervalued). Cautious scenario 111.74 IDR, optimistic scenario 176.97 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Dinar Indonesia Tbk PT (DNAR)?
Bank Dinar Indonesia Tbk PT reported trailing-twelve-month revenue of about 556B IDR (latest available figure, as of Sep 24, 2026).
What growth is priced into Bank Dinar Indonesia Tbk PT (DNAR)?
For today's price to be fair in a discounted-cash-flow model, Bank Dinar Indonesia Tbk PT would have to grow free cash flow by -16.5 % per year for five years (discount rate 13.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +22.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of DNAR use?
Our models discount Bank Dinar Indonesia Tbk PT at 13.5 %: a base by market capitalisation (micro), damped by beta 0.02, 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 Dinar Indonesia Tbk PT that is -16.5 % per year a year over ten years, using the same discount rate (13.5 %) and the same formula as our fair value.
How much growth has Bank Dinar Indonesia Tbk PT (DNAR) delivered so far?
Over the past 5 years revenue at Bank Dinar Indonesia Tbk PT grew +22.6 % a year. The price currently implies -16.5 % 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 Dinar Indonesia Tbk PT (DNAR) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into Bank Dinar Indonesia Tbk PT (-16.5 % 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 Dinar Indonesia Tbk PT (DNAR)?
The free-cash-flow yield on the price is 18.21 %: that much free cash flow Bank Dinar Indonesia Tbk PT produces per unit of market value. When it exceeds the discount rate of our models (13.5 %), 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 Dinar Indonesia Tbk PT (DNAR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Dinar Indonesia Tbk PT it is 141.58 IDR per share (as of Sep 24, 2026), against a price of 126.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Dinar Indonesia Tbk PT stock overvalued or undervalued in 2026?
As of Sep 24, 2026, DNAR trades below its calculated fair value: price 126.00 IDR, fair value 141.58 IDR, a gap of about +12% (undervalued). 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 DNAR?
No. The price is what the market pays today (126.00 IDR); the fair value is what the company's own numbers justify (141.58 IDR). For Bank Dinar Indonesia Tbk PT the two are 15.58 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Dinar Indonesia Tbk PT worth?
The market values Bank Dinar Indonesia Tbk PT at about 2.1T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 126.00 IDR; our models calculate a fair value of 141.58 IDR per share.
What do the bullish and bearish scenarios say about DNAR?
Our models span a range for Bank Dinar Indonesia Tbk PT: cautious scenario 111.74 IDR, base 141.58 IDR, optimistic 176.97 IDR per share (as of Sep 24, 2026, price 126.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DNAR?
Bank Dinar Indonesia Tbk PT trades at a price-to-earnings ratio of 11.0 (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 141.58 IDR is built from several models across several years. Other multiples: P/B 0.6, P/S 3.9, EV/EBITDA 6.1.
How solid is the balance sheet of Bank Dinar Indonesia Tbk PT (DNAR)?
Balance-sheet figures for Bank Dinar Indonesia Tbk PT (as of Sep 24, 2026): return on equity 5.2%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is DNAR from its 52-week high?
Bank Dinar Indonesia Tbk PT trades at 126.00 IDR, about 49% below its 52-week high of 248.00 IDR and 40% above the low of 90.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 141.58 IDR is for.
Which stocks are comparable to Bank Dinar Indonesia 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 Dinar Indonesia Tbk PT stock attractive at the current price?
The data as of Sep 24, 2026: price 126.00 IDR, calculated fair value 141.58 IDR (+12%), Quality Score 58/100, 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 DNAR calculated?
We run Bank Dinar Indonesia 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 141.58 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 Dinar Indonesia Tbk PT currently trades 12 % below its own fair value, and the market average says nothing about that. 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 Dinar Indonesia Tbk PT (DNAR)?
The closing price on Sep 24, 2026 was 126.00 IDR. Our model-based fair value is 141.58 IDR, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Dinar Indonesia Tbk PT right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Dinar Indonesia Tbk PT (DNAR) come from?
Earnings per share at Bank Dinar Indonesia Tbk PT grew +0.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share −1.7 %, EBIT margin +2.8 %, tax rate −0.2 %, residual (interest, one-offs) +0.0 %. 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 Dinar Indonesia Tbk PT
How large is the market capitalisation of Bank Dinar Indonesia Tbk PT (DNAR)?
The market capitalisation of Bank Dinar Indonesia Tbk PT is 2.1T IDR (≈ $120M). 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 Dinar Indonesia Tbk PT (DNAR)?
The price-to-sales ratio of Bank Dinar Indonesia Tbk PT is 1.42 (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 Dinar Indonesia Tbk PT (DNAR)?
Earnings per share at Bank Dinar Indonesia Tbk PT are 11.45 IDR (price ÷ EPS = P/E 11.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Dinar Indonesia Tbk PT (DNAR)?
The net margin of Bank Dinar Indonesia Tbk PT is 12.9% (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 Dinar Indonesia Tbk PT (DNAR)?
The return on equity (ROE) of Bank Dinar Indonesia Tbk PT is 5.2% (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 Dinar Indonesia Tbk PT (DNAR)?
On an EBIT basis the return on assets of Bank Dinar Indonesia Tbk PT is 0.6% (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 Dinar Indonesia Tbk PT (DNAR)?
The operating margin of Bank Dinar Indonesia Tbk PT is 50.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Dinar Indonesia Tbk PT (DNAR)?
Revenue at Bank Dinar Indonesia Tbk PT is growing +42.6% versus a year earlier (3y avg +22.3%). 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 Dinar Indonesia Tbk PT (DNAR)?
Earnings per share at Bank Dinar Indonesia Tbk PT are growing +114% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Bank Dinar Indonesia Tbk PT (DNAR) carry?
The net debt of Bank Dinar Indonesia Tbk PT is 577B IDR (fiscal year 2025, ≈ 1.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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