PT Bank Nationalnobu Tbk (NOBU) Fair Value & Analysis
Financial Services · ID · Market cap 3.1T IDR
Fair value as of: Jul 13, 2026
From 4 valuation models · updated 28 days ago
Fair value updated Jul 13, 2026, revised from 836.69 IDR to 836.00 IDR (−0.1%) since Jun 26, 2026. Share price +22.0% over the past month.
Below-average quality, screening 64% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (33/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (627.00 IDR). The market is more pessimistic than our downside scenario.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range 406.00 IDR – 1,701 IDR · fair‑value band 627.00 IDR – 1,045 IDR · the 510.00 IDR price screens below the 836.00 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 13, 2026.
Analysis
PT Bank Nationalnobu Tbk (NOBU) currently trades at 510.00 IDR, while our model-based Fair Value estimate is 836.00 IDR, implying the stock looks roughly 63.9% undervalued today. The Quality Score stands at 33/100 (below-average 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.
Over the trailing twelve months, PT Bank Nationalnobu Tbk generated revenue of 1.6T IDR at a net margin of 32.7%. Revenue grew 31.1% year over year. It earns a return on equity of 13.1%. Net debt stands at 4.7T IDR. Fundamentals as of Jul 13, 2026
Our scenario range runs from 627.00 IDR (bear case) to 1,045 IDR (bull case); at 510.00 IDR, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 45% below its 52-week high and 24% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 64%, NOBU screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples (780.32 IDR) versus Asset-Based (373.44 IDR). Highest evidence: P/E Multiple (63).
Notify me when NOBU reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 26 · Market factors (momentum, volatility) 40
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
PT Bank Nationalnobu Tbk provides banking products and services in Indonesia. It operates through Corporate and Treasury segments. The company offers savings account, current account, and time deposit products; and consumer loans, including home mortgage loans and other personal loans. It also provides ATMs, and internet and mobile banking services.
Full company description
PT Bank Nationalnobu Tbk provides banking products and services in Indonesia. It operates through Corporate and Treasury segments. The company offers savings account, current account, and time deposit products; and consumer loans, including home mortgage loans and other personal loans. It also provides ATMs, and internet and mobile banking services. PT Bank Nationalnobu Tbk was formerly known as PT Bank Alfindo. The company was founded in 1990 and is based in Tangerang, Indonesia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Bank Nationalnobu Tbk reported revenue of 3.0T IDR in FY2025 versus 1.0T IDR in FY2021, a compound +30.7%/yr. Reported net income was 481B IDR in FY2025, compounding +65.5%/yr from FY2021.
of which total revenue +18.9 pp · buybacks/dilution −6.3 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
Watch NOBU: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
Compare PT Bank Nationalnobu Tbk with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is PT Bank Nationalnobu Tbk (NOBU) overvalued or undervalued?
What is the fair value of NOBU?
What is the quality score of NOBU?
What is the revenue of PT Bank Nationalnobu Tbk (NOBU)?
What is the net profit margin of NOBU?
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.
Track PT Bank Nationalnobu Tbk and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.