Bank Negara Indonesia (Persero) Tbk. (BBNI) Stock Price, Fundamentals & Analysis

What BBNI does

Bank Negara Indonesia (Persero) Tbk. (BBNI) is a bank stock listed on the Indonesia Stock Exchange. Together with its subsidiaries, it provides a wide range of banking products and services across Indonesia, the rest of Asia, New York, and Europe. Its operations are split into segments such as Corporate Banking, Institutional Banking, Commercial Banking, Consumer Banking, and Treasury & International Banking. The company offers savings accounts, loans, credit cards, payroll and collection services, safe deposit boxes, mobile banking, and digital solutions like Xpora for small and medium enterprises. It also provides trade finance, supply chain financing, wealth management, custody and trust services, and financial institution products. In the broader banking landscape, investors often compare it with peers such as Bank Central Asia Tbk. (BBCA), Bank Mandiri (Persero) Tbk. (BMRI), and Bank Rakyat Indonesia (Persero) Tbk. (BBRI). BBNI is part of the LQ45 index.

Key numbers explained

• The current price is 3.500 IDR, down 0.57% today. The 52-week range is 2.990 – 4.730 IDR, and the price is -16.1% lower than a year ago.
• The trailing P/E ratio of 6.3 shows how the market values each unit of past earnings; a lower figure can suggest the stock is priced modestly relative to recent earnings.
• The forward P/E ratio of 5.2 uses expected future earnings, giving a sense of valuation based on what analysts anticipate.
• Earnings per share (trailing 12 months) is 555.1 IDR, representing the portion of profit attributable to each share.
• The dividend yield of 9.98% indicates the annual dividend as a percentage of the current share price; the ex-dividend date is 25 mar. 2026, and 63% of earnings are paid out as dividends.
• Beta of 0.2 suggests the stock tends to move less than the overall market, which can mean lower volatility.
• Revenue (trailing 12 months) is 51,94 tril. IDR, growing 9.8% year over year, while profit margin is 39.9% and operating margin is 42.6%.
• Return on equity is 12.5%, and the price-to-book ratio is 0.79, meaning the stock trades below its book value per share.

What to watch

When following BBNI, investors typically monitor factors that affect regional banks, such as interest rate changes, credit quality, and macroeconomic conditions in Indonesia. The bank's exposure to corporate, commercial, and consumer lending means its results can reflect shifts in business activity and household spending. Dividend policy is another area of interest, given the 9.98% dividend yield and the 63% payout ratio. Earnings updates, such as the next report on 28 oct. 2026, can move the stock, as can broader sentiment in the banking sector and regional markets.