PT Bank Negara Indonesia (Persero) Tbk (BBNI.JK) stock analysis

In our weekly check, PT Bank Negara Indonesia (Persero) Tbk is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 3, red flags: 4.

About PT Bank Negara Indonesia (Persero) Tbk

PT Bank Negara Indonesia (Persero) Tbk is a Financial Services company (Banks - Regional), listed on JKT as BBNI.JK.

What our checks show for BBNI.JK

Red flags

• The gross margin fell by 26 points, to 57%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 9.2% a year.
• The stock has fallen as much as 85% from a peak. Would you have held through that?

Warning signs

• The price swings a lot: 37.3% annual volatility. Expect large ups and downs.
• Recovering from its deepest fall took about 1.6 years.
• Return on capital (ROCE) is only 8.1%.

Strengths

• The net margin rose by 5.2 points over 5 years, to 21.1%.
• Operating cash flow is 1.21x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 10.7 points from today's 21.1%.
• The company keeps 21.1% of its revenue as net profit.
• Free cash flow is 22.5% of revenue: cash for dividends, buybacks or growth.
• The price is 5.9 times earnings (P/E), reasonable for its growth.

Next earnings report: 2027-01-27

Similar companies

105560.KS · BMRI.JK · 055550.KS · BBRI.JK · BBCA.JK · 316140.KS

Questions

What grade does PT Bank Negara Indonesia (Persero) Tbk (BBNI.JK) have?

In our weekly check, PT Bank Negara Indonesia (Persero) Tbk is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 3, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BBNI.JK stock?

This week's biggest flags for PT Bank Negara Indonesia (Persero) Tbk: Gross margin falling, Weak revenue forecast, Deep past fall. In total 7 of 25 checks show a warning or a red flag.

What does PT Bank Negara Indonesia (Persero) Tbk do?

PT Bank Negara Indonesia (Persero) Tbk is a Financial Services company (Banks - Regional), listed on JKT as BBNI.JK.

When does PT Bank Negara Indonesia (Persero) Tbk report earnings next?

The next earnings report is expected on 2027-01-27. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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