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Bank Ocbc Nisp Tbk (NISP) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank Ocbc Nisp Tbk stock IDR 1,768, price IDR 1,145, upside +54.4%, quality 56 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services ID · ISIN ID1000094402

BO Bank Ocbc Nisp Tbk logo Thin data Nov 3, 2026

Bank Ocbc Nisp Tbk

NISP · JK
Undervalued, but sideways

The stock costs 35% less than our calculation considers fair.

Fair value 1,768 IDR · Strongly undervalued (35%)
Healthy Growth (revenue 5y +7.2 %/yr in IDR)
Highly profitable · 41.2% net margin (TTM)
3.9% dividend yield · Low payout
Ranks above peers (13/14)
Costs just 5 times its yearly profit.
Quality 56/100
Wide moat 68/100 · thin data
Thin data
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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

1,528 IDR 471.70 IDR Fair Value 1,768 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range 471.70 IDR – 1,528 IDR · fair‑value band 1,605 IDR – 2,099 IDR · the 1,145 IDR price screens below the 1,768 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 3, 2026.

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Company profile

PT Bank OCBC NISP Tbk provides various banking products and services to corporate and individual customers in Indonesia. The company operates through Business banking, Consumer banking, Global markets and Others segments.

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It offers savings and current accounts; time deposits; house, multipurpose, automobile, personal, secured, business, working capital, mortgage, and investment backed loans; credit and debit cards; mutual funds, insurance products, FX products, bonds, and structured and gold products; and premier and private banking services.

The company also provides payment and collection, trade and supply chain financing, and export and import financing services; payroll and benefit products; treasury products; capital equity; account investment products; and web and mobile banking, and payment gateway services, as well as e-wallet and bill payment services.

In addition, it offers bank reference, bank comfort, and confirmation letters; safe deposit boxes; bank notes; telegraphic transfers; and ATM, remittance, and e-tax services.

The company was formerly known as PT Bank NISP Tbk. The company was incorporated in 1941 and is headquartered in Jakarta, Indonesia. PT Bank OCBC NISP Tbk operates as a subsidiary of OCBC Overseas Investments Pte. Ltd.

Stock analysis

Bank Ocbc Nisp Tbk (NISP) currently trades at 1,145 IDR, while our model-based Fair Value estimate is 1,768 IDR, implying the stock looks roughly 35% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 2,110 IDR per share, and 6 of the 6 models we run sit above the 1,145 IDR price.

Bear case: the Asset-Based group reads lowest at 1,198 IDR, and 0 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 1,605 IDR (bear) to 2,099 IDR (bull), the price of 1,145 IDR sits below 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 56/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank Ocbc Nisp Tbk reported revenue of 21.1T IDR in FY2025 versus 13.6T IDR in FY2021, a compound +11.5%/yr. Reported net income was 5.1T IDR in FY2025, compounding +19.0%/yr from FY2021.

Key figures

Market cap 26.3T IDR (≈ $1.5B) Small · P/E ratio 5.0 · P/S ratio 2.07 · EPS (TTM) 227.55 IDR · Dividend yield 3.9% · Net margin 41.2% · Return on equity 12.2% · Return on assets (EBIT) 1.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).

What moves the price

The share trades about 25% below its 52-week high and 6% above 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 54%, NISP screens cheaper than that median.

Fair Value models

Bear 1,605 IDR Fair Value 1,768 IDR Bull 2,099 IDR
Price 1,145 IDR · Upside +54.4%
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 (156.04 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 Income 1,605 IDR 1,768 IDR 2,099 IDR 76
Gordon GGM 766.91 IDR 1,316 IDR 1,739 IDR 68
DDM Multi-Stage 766.91 IDR 1,233 IDR 1,412 IDR 67
All 6 models by family
Dividend Discount
Gordon GGM 766.91 IDR 1,316 IDR 1,739 IDR 68
DDM Multi-Stage 766.91 IDR 1,233 IDR 1,412 IDR 67
Multiples
P/E Multiple 2,149 IDR 2,865 IDR 3,582 IDR 63
P/B Multiple 1,016 IDR 1,355 IDR 1,694 IDR 55
Asset-Based
NCAV (Graham) 894.33 IDR 1,198 IDR 1,789 IDR 54
Economic Profit
Residual Income 1,605 IDR 1,768 IDR 2,099 IDR 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 56/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 51
Are margins and returns getting better?
Cashflow 64
Do the profits arrive as real cash?
Financial strength 17
Debt, balance sheet and risk of trouble
Investment 71
Does it invest with discipline instead of growing at any price?
Low Volatility 90
How calm the share price moves, does not count
Price momentum 28
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 16
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

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. 84/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.1%
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.
+13.1%
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.
+7.2%
Start year 2020 (pandemic). Over 10 years: +7.7% a year
Revenue growth 24 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.
+14.5%
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.
+18.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.0%
Dividend (yield on the price)3.9%
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.15.0% vs 12.9%, steady
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.19% → 30%
Pace: the 5-year rate starts in 2020 (pandemic)

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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 · 998 stocks

Beats the industry median on 13/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 56 · Above median
Fair Value upside +54.4% · Top 25%
Profitability
Return on equity (12 months) 12.2% · Above median
Return on assets 1.6% · Top 25%
Net margin (12 months) 41.2% · Top 25%
Operating margin (12 months) 50.4% · Above median
Growth and dividend
Revenue growth (quarter YoY) −1.1% · Bottom 25%
Dividend yield (12 months) 3.9% · Above median
Balance sheet
Debt / equity 0.04× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 5.0× · Cheapest 25%
P/B 0.60× · Cheapest 25%
P/S (12 months) 2.07× · Cheapest 25%
Price / free cash flow (fiscal year) 7.2× · Cheaper than median
EV/EBITDA 1.8× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)49 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)79 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

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 Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs NISP
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs NISP
BNP Paribas SA BNP €91.93 €106.01 +15% vs NISP
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs NISP
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs NISP
UniCredit S.p.A UCG €76.80 €50.44 −34% vs NISP
Mizuho Financial Group MFG $9.40 $5.90 −37% vs NISP
DBS Group D05 69.72 SGD 40.39 SGD −42% vs NISP
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs NISP
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs NISP

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

Frequently asked questions

Is Bank Ocbc Nisp Tbk (NISP) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 1,768 IDR versus a price of 1,145 IDR, about +54% upside (undervalued).
What is the fair value of NISP?
Our model-based fair value for Bank Ocbc Nisp Tbk is 1,768 IDR (as of Nov 3, 2026), built from audited fundamentals. The current price: 1,145 IDR.
What is the quality score of NISP?
Bank Ocbc Nisp Tbk has a Quality Score of 56/100. 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 Ocbc Nisp Tbk (NISP)?
Our model-based price target is the fair value of 1,768 IDR (as of Nov 3, 2026) from 6 valuation models. Cautious scenario 1,605 IDR, optimistic scenario 2,099 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Ocbc Nisp Tbk stock forecast for 2026?
Our models put fair value at 1,768 IDR, about +54% upside versus a price of 1,145 IDR (undervalued). Cautious scenario 1,605 IDR, optimistic scenario 2,099 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Ocbc Nisp Tbk (NISP)?
Bank Ocbc Nisp Tbk reported trailing-twelve-month revenue of about 12.7T IDR (latest available figure, as of Nov 3, 2026).
Does Bank Ocbc Nisp Tbk pay a dividend?
Bank Ocbc Nisp Tbk currently shows a dividend yield of 3.93% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Bank Ocbc Nisp Tbk (NISP) and when is the ex-dividend date?
Bank Ocbc Nisp Tbk pays a dividend of 45.00 IDR per share a year, a dividend yield of 3.9%. The last ex-dividend date was Apr 20, 2026. A dividend has been paid every year since 2022. The payout ratio is 19.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Bank Ocbc Nisp Tbk (NISP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Ocbc Nisp Tbk it is 1,768 IDR per share (as of Nov 3, 2026), against a price of 1,145 IDR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank Ocbc Nisp Tbk stock overvalued or undervalued in 2026?
As of Nov 3, 2026, NISP trades below its calculated fair value: price 1,145 IDR, fair value 1,768 IDR, a gap of about +54% (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 NISP?
No. The price is what the market pays today (1,145 IDR); the fair value is what the company's own numbers justify (1,768 IDR). For Bank Ocbc Nisp Tbk the two are 623.45 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Ocbc Nisp Tbk worth?
The market values Bank Ocbc Nisp Tbk at about 26.3T IDR (market capitalisation, as of Nov 3, 2026). Per share that is 1,145 IDR; our models calculate a fair value of 1,768 IDR per share.
What do the bullish and bearish scenarios say about NISP?
Our models span a range for Bank Ocbc Nisp Tbk: cautious scenario 1,605 IDR, base 1,768 IDR, optimistic 2,099 IDR per share (as of Nov 3, 2026, price 1,145 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NISP?
Bank Ocbc Nisp Tbk trades at a price-to-earnings ratio of 5.0 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1,768 IDR is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 6.4. Other multiples: P/B 0.6, P/S 2.1, EV/EBITDA 1.8.
How solid is the balance sheet of Bank Ocbc Nisp Tbk (NISP)?
Balance-sheet figures for Bank Ocbc Nisp Tbk (as of Nov 3, 2026): return on equity 12.2%, debt of 0.04 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is NISP from its 52-week high?
Bank Ocbc Nisp Tbk trades at 1,145 IDR, about 25% below its 52-week high of 1,528 IDR and 6% above the low of 1,080 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1,768 IDR is for.
Which stocks are comparable to Bank Ocbc Nisp Tbk?
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 Ocbc Nisp Tbk stock attractive at the current price?
The data as of Nov 3, 2026: price 1,145 IDR, calculated fair value 1,768 IDR (+54%), Quality Score 56/100, from 6 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 NISP calculated?
We run Bank Ocbc Nisp Tbk through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 1,768 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 13.0% above its aggregate fair value. Bank Ocbc Nisp Tbk currently trades 35% 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 Ocbc Nisp Tbk (NISP)?
The closing price on Nov 6, 2026 was 1,145 IDR. Our model-based fair value is 1,768 IDR, about +54% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Ocbc Nisp Tbk right now?
The price is below even our cautious bear case (1,605 IDR). The market is more pessimistic than our downside scenario. 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 quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Ocbc Nisp Tbk (NISP) come from?
Earnings per share at Bank Ocbc Nisp Tbk grew +13.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.6 %, EBIT margin +4.5 %, tax rate +0.6 %, 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 Ocbc Nisp Tbk

How large is the market capitalisation of Bank Ocbc Nisp Tbk (NISP)?
The market capitalisation of Bank Ocbc Nisp Tbk is 26.3T IDR (≈ $1.5B). 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 Ocbc Nisp Tbk (NISP)?
The price-to-sales ratio of Bank Ocbc Nisp Tbk is 2.07 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Ocbc Nisp Tbk (NISP)?
Earnings per share at Bank Ocbc Nisp Tbk are 227.55 IDR (price ÷ EPS = P/E 5.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Ocbc Nisp Tbk (NISP)?
The dividend yield of Bank Ocbc Nisp Tbk is 3.9% (payout 19.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank Ocbc Nisp Tbk (NISP)?
The net margin of Bank Ocbc Nisp Tbk is 41.2% (last twelve months). 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 Ocbc Nisp Tbk (NISP)?
The return on equity (ROE) of Bank Ocbc Nisp Tbk is 12.2% (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 Ocbc Nisp Tbk (NISP)?
On an EBIT basis the return on assets of Bank Ocbc Nisp Tbk is 1.9% (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 Ocbc Nisp Tbk (NISP)?
The operating margin of Bank Ocbc Nisp Tbk is 50.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Ocbc Nisp Tbk (NISP)?
Revenue at Bank Ocbc Nisp Tbk is growing −1.1% versus a year earlier (3y avg +13.1%). 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 Ocbc Nisp Tbk (NISP)?
Earnings per share at Bank Ocbc Nisp Tbk are growing +7.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Ocbc Nisp Tbk (NISP) generate?
The free cash flow of Bank Ocbc Nisp Tbk is 3.6T 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 Ocbc Nisp Tbk (NISP) hold?
Bank Ocbc Nisp Tbk holds more cash than debt, 2.7T IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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