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Q4 2025

BBTNPT Bank Tabungan Negara (Persero) Tbk

Investhor GuruInsightFinansialUnboxing SahamValuasi

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Laba Rugi

Neraca

Margin Profitabilitas

Return on Assets & Equity

Leverage

Income Statement Flow

Q4 2025
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Dupont Ratio

Dupont RatioQ4 2025Q4 2024Q4 2023Q4 2022Q4 2021Q4 2020Q4 2019Q4 2018Q4 2017Q4 2016
Gross Profit Margin50.1%38.9%47.5%57.9%50.4%35.5%34.8%46.2%48.5%47.6%
Operating Profit Margin12.0%12.9%16.1%14.7%11.8%9.3%2.0%16.4%20.2%19.6%
Net Profit Margin9.6%10.2%12.4%11.8%9.2%6.4%0.8%12.8%15.7%15.3%
Other Burdens80.4%78.6%77.1%79.8%78.2%68.8%40.1%78.1%77.8%78.1%
Total Asset Turnover0.07x0.06x0.06x0.06x0.07x0.07x0.08x0.07x0.07x0.08x
Equity Multiplier14.58x14.42x14.40x15.52x17.37x18.07x13.08x12.85x12.06x11.20x
Return on Asset0.8%0.8%1.0%0.9%0.8%0.6%0.2%1.2%1.5%1.6%
Return on Equity12.0%11.7%14.9%14.7%14.2%11.7%2.2%15.1%18.0%17.5%
Debt to Equity0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x

Ratio

RatioQ4 2025Q4 2024Q4 2023Q4 2022Q4 2021Q4 2020Q4 2019Q4 2018Q4 2017Q4 2016
Cash Ratio0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
Liquidity Ratio0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
Interest Coverage0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
Operating Cash Flow to Investing Cash Flow367.1%-165.0%149.4%52.7%-249.1%111.8%-209.5%142.7%-38.6%495.6%
Quality of Earnings694.8%-291.1%189.5%41.5%402.0%1655.9%-7086.0%-85.8%10.6%373.6%
Cash received to Sales0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Financial

Format: Triliun (T)
RupiahQ4 2025Q4 2024Q4 2023Q4 2022Q4 2021Q4 2020Q4 2019Q4 2018Q4 2017Q4 2016
Pendapatan36,3429,5428,2825,9125,7925,1125,7221,8619,2717,14
Laba Kotor18,2211,4913,431512,998,918,9610,099,348,16
Laba Usaha4,363,824,543,813,042,330,523,593,893,35
Laba Bersih3,53,013,53,052,381,60,212,813,032,62
Aset527,79469,61438,75402,15371,87361,21311,78306,44261,37214,17
Ekuitas36,2132,5730,4825,9121,4119,9923,8423,8421,6619,13
Liabilitas491,58437,04408,27376,24350,46341,22287,94282,6239,7195,04
Operating Cash Flow24,32-8,766,631,279,5526,53-14,83-2,410,329,78
Investing Cash Flow-6,63-5,31-4,44-2,43,83-23,73-7,081,690,83-1,97
Financing Cash Flow-1,76-3,529,321,43-6,790,588,446,68,081,59

Financial Growth

Growth %Q4 2025Q4 2024Q4 2023Q4 2022Q4 2021Q4 2020Q4 2019Q4 2018Q4 2017Q4 2016
Pendapatan23.0%4.5%9.2%0.4%2.7%-2.4%17.7%13.4%12.4%0.0%
Laba Kotor58.5%-14.4%-10.4%15.4%45.7%-0.5%-11.2%8.0%14.4%0.0%
Laba Usaha13.9%-15.8%19.0%25.6%30.3%346.6%-85.5%-7.7%16.1%0.0%
Laba Bersih16.4%-14.1%15.0%28.1%48.3%665.7%-92.5%-7.3%15.6%0.0%
Aset12.4%7.0%9.1%8.1%3.0%15.9%1.7%17.2%22.0%0.0%
Ekuitas11.2%6.9%17.6%21.0%7.1%-16.1%-0.0%10.0%13.2%0.0%
Liabilitas12.5%7.0%8.5%7.4%2.7%18.5%1.9%17.9%22.9%0.0%
Operating Cash Flow-377.8%-232.0%424.4%-86.8%-64.0%-278.9%515.2%-850.8%-96.7%0.0%
Investing Cash Flow24.9%19.5%85.0%-162.6%-116.2%235.3%-518.9%102.9%-142.2%0.0%
Financing Cash Flow-50.0%-137.8%550.9%-121.1%-1267.9%-93.1%27.9%-18.3%408.4%0.0%