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INDICATIVE · SAMPLE DATA
BABP$50.0057

Bank MNC Internasional Tbk PT

BanksVerified

The company maintains a low debt-to-equity ratio of 0.0, indicating a conservative capital structure with no long-term debt obligations. Its liquidity position is assessed as low, with a price-to-book ratio of 0.62 and a price-to-tangible-book ratio of 0.62, suggesting the market values the company below its book value. The company's return on equity is 0.0041, and return on assets is 0.0008, both significantly below the typical performance metrics for banks, indicating weak profitability relative to its equity and asset base. The company's profitability is underperforming compared to industry standards, with a price-to-earnings ratio of 149.7, which is high and suggests the market is not valuing earnings efficiently. The return on equity and return on assets are both below the median for the banking industry, indicating that the company is not generating strong returns for its shareholders or effectively utilizing its assets. The company's revenue is concentrated in a single economic region, as no geographic breakdown is provided, and there is no indication of diversified revenue streams across segments. This lack of diversification could expose the company to regional economic downturns or regulatory changes that could impact its performance. The company's growth trajectory is not clearly defined, as no specific revenue growth rates or future projections are provided in the available data. The absence of capital expenditure and the low operating cash flow suggest the company is not investing heavily in expansion or infrastructure, which could limit its ability to grow in the future. The company's risk profile is assessed as low for both liquidity and dilution, with no immediate filing-based flags detected. The absence of long-term debt and the low dilution risk suggest the company is not currently under financial pressure to raise additional capital through equity issuance. No recent events, such as filings or transcripts, are available in the provided data to indicate any material changes in the company's operations or strategic direction.

30-day price · BABP+0.00 (+0.0%)
Low$50.00High$57.00Close$51.00As of11 May, 00:00 UTC
Profile
CompanyBank MNC Internasional Tbk PT
TickerBABP.JK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Bank MNC Internasional Tbk PT provides banking and financial services, including corporate and retail banking, wealth management, and investment services.

Classification. The company is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

The company maintains a low debt-to-equity ratio of 0.0, indicating a conservative capital structure with no long-term debt obligations. Its liquidity position is assessed as low, with a price-to-book ratio of 0.62 and a price-to-tangible-book ratio of 0.62, suggesting the market values the company below its book value. The company's return on equity is 0.0041, and return on assets is 0.0008, both significantly below the typical performance metrics for banks, indicating weak profitability relative to its equity and asset base. The company's profitability is underperforming compared to industry standards, with a price-to-earnings ratio of 149.7, which is high and suggests the market is not valuing earnings efficiently. The return on equity and return on assets are both below the median for the banking industry, indicating that the company is not generating strong returns for its shareholders or effectively utilizing its assets. The company's revenue is concentrated in a single economic region, as no geographic breakdown is provided, and there is no indication of diversified revenue streams across segments. This lack of diversification could expose the company to regional economic downturns or regulatory changes that could impact its performance. The company's growth trajectory is not clearly defined, as no specific revenue growth rates or future projections are provided in the available data. The absence of capital expenditure and the low operating cash flow suggest the company is not investing heavily in expansion or infrastructure, which could limit its ability to grow in the future. The company's risk profile is assessed as low for both liquidity and dilution, with no immediate filing-based flags detected. The absence of long-term debt and the low dilution risk suggest the company is not currently under financial pressure to raise additional capital through equity issuance. No recent events, such as filings or transcripts, are available in the provided data to indicate any material changes in the company's operations or strategic direction.
Key takeaways
  • The company has a conservative capital structure with no long-term debt obligations.
  • The company's profitability is weak, with return on equity and return on assets below industry medians.
  • The company's revenue is not diversified across geographic regions or business segments.
  • The company's growth trajectory is unclear, with no significant capital expenditure or revenue growth projections.
  • The company's risk profile is low for liquidity and dilution, with no immediate financial pressures.
  • --
  • ## RATIONALES
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Financial snapshot
PeriodHA-latest
CurrencyIDR
Revenue$126.19B
Gross profit
Operating income
Net income$14.85B
R&D
SG&A
D&A
SBC
Operating cash flow-$317.13B
CapEx-$2.26B
Free cash flow$22.84B
Total assets$18.29T
Total liabilities$14.69T
Total equity$3.60T
Cash & equivalents
Long-term debt$0.00
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$375.57B$12.87B$26.13B
FY-3$613.13B$52.51B$48.97B
FY-2$571.86B$77.92B-$895.37B
FY-1$497.09B$74.85B$76.80B
FY0$518.71B$81.78B$103.58B
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$14.02T$2.37T
FY-3$16.86T$2.71T
FY-2$18.15T$3.59T
FY-1$20.87T$3.66T
FY0$20.27T$3.75T
PeriodOCFCapExFCFSBC
FY-4$559.11B-$10.20B$26.13B
FY-3$719.36B-$25.87B$48.97B
FY-2$583.63B-$999.43B-$895.37B
FY-1$1.11T-$38.57B$76.80B
FY0-$63.42B-$20.27B$103.58B
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7$126.19B$14.85B$22.84B
FQ-6$131.58B$14.63B$23.75B
FQ-5$122.13B$19.99B$11.19B
FQ-4$117.19B$25.38B$19.01B
FQ-3$137.24B$19.90B$27.52B
FQ-2$132.96B$21.81B$30.08B
FQ-1$127.35B$18.68B$25.68B
FQ0$121.17B$21.38B$20.30B
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7$18.29T$3.60T
FQ-6$18.20T$3.61T
FQ-5$19.31T$3.64T
FQ-4$20.87T$3.66T
FQ-3$20.76T$3.68T
FQ-2$21.06T$3.71T
FQ-1$20.50T$3.73T
FQ0$20.27T$3.75T
PeriodOCFCapExFCFSBC
FQ-7-$317.13B-$2.26B$22.84B
FQ-6-$523.33B-$3.12B$23.75B
FQ-5$502.10B-$21.90B$11.19B
FQ-4$1.11T-$38.57B$19.01B
FQ-3$452.97B-$3.10B$27.52B
FQ-2$948.39B-$5.48B$30.08B
FQ-1$626.45B-$8.94B$25.68B
FQ0-$63.42B-$20.27B$20.30B
Valuation
Market price$50.00
Market cap$2.22T
Enterprise value
P/E149.7
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B0.6
P/Tangible book0.6
Tangible book$3.60T
Net cash
Current ratio
Debt/Equity0.0
ROA0.1%
ROE0.4%
Cash conversion-21.4%
CapEx/Revenue-1.8%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskLow
  • No immediate filing-based liquidity or dilution flags were detected.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricBABPActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin11.8%33.6% medp25 19.4% · p75 51.1%bottom quartile
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-1.8%-4.6% medp25 -10.4% · p75 -2.1%top quartile
Debt / equity0.0%56.1% medp25 13.2% · p75 161.2%bottom quartile
Observations
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-11 00:56 UTC#ec3fb071
Market quoteclose IDR 51.00 · shares 44.46B diluted
no public URL
2026-05-11 00:56 UTC#6e302f7f
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 10:55 UTCJob: 4a5c9629