PT Bank Mandiri (Persero) Tbk (BMRI.JK) stock analysis

In our weekly check, PT Bank Mandiri (Persero) Tbk is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5.

About PT Bank Mandiri (Persero) Tbk

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

What our checks show for BMRI.JK

Red flags

• The gross margin fell by 3 points, to 79.9%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 6.3% a year.
• The stock has fallen as much as 70% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 3.5%.

Warning signs

• The price swings a lot: 38.2% annual volatility. Expect large ups and downs.

Strengths

• The net margin rose by 8.1 points over 5 years, to 31.4%.
• Operating cash flow is 1.53x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 7.3 points from today's 31.4%.
• Earnings per share grew 14.8% a year over the last 3 years.
• Net profit grew 14.8% a year over the last 3 years.
• The company keeps 31.4% of its revenue as net profit.

Next earnings report: 2026-11-03

Similar companies

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

Questions

What grade does PT Bank Mandiri (Persero) Tbk (BMRI.JK) have?

In our weekly check, PT Bank Mandiri (Persero) Tbk is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BMRI.JK stock?

This week's biggest flags for PT Bank Mandiri (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 Mandiri (Persero) Tbk do?

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

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

The next earnings report is expected on 2026-11-03. 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 2026-10-24

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