Stocktoria

PT Bank Mandiri (Persero) Tbk BMRI.JK

ID · Indonesia Stock Exchange · XIDX · stock · Financial Services · website

PT Bank Mandiri (Persero) Tbk statistics & valuation

Market capRp 389.20T
P / E6.9×
P / S2.8×
P / B1.3×
P / FCF2.0×
Net margin40.2%
FCF margin142.0%
Net cashRp 166.11T
Enterprise value USD$22.3B
Graham number +56.7%Rp 6,535.88

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (Rp 6,535.88); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
35.60% 44.30% 41.40% 40.20% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
17.90% 21.10% 19.70% 19.20% 2022202320242025
Shares outstanding
93.33B 93.33B 93.33B 93.33B 2022202320242025
Net debt (Rp )
-Rp 170.70T -Rp 115.14T -Rp 78.63T -Rp 166.11T 2022202320242025
Share buybacks (Rp )
Rp 0 Rp 403.62B 2022202320242025
Return on assets (%)
2.10% 2.50% 2.30% 2.00% 2022202320242025
Free cash flow margin (%)
80.20% -60.20% -65.40% 142.00% 2022202320242025
Debt / equity (×)
0.47× 0.51× 0.61× 0.74× 2022202320242025
EPS (Rp )
Rp 441.26 Rp 589.93 Rp 597.67 Rp 603.23 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PT Bank Mandiri (Persero) Tbk trades at about 6.9× earnings — below its 10-year norm (10-year range 8×–22.5×, median 11.3×).

6.9× 22.5×

Shaded band = 10-year range (8×–22.5×); dot = today's 6.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin40.2%41.4%44.3%35.6%
FCF margin142.0%-65.4%-60.2%80.2%
Return on assets2.0%2.3%2.5%2.1%
Return on equity19.2%19.7%21.1%17.9%

Computed from company filings · ID · as of 2025-12-31. Figures in IDR. Facts plus Stocktoria's own computed scores — not investment advice.