Q4 2025
BBTNPT Bank Tabungan Negara (Persero) Tbk
Ringkasan Valuasi
Equity Growth Method
Fair Value:4553
Margin of Safety:252.95%
ROE:12.03%
EPS Growth Method
Fair Value:5721
Margin of Safety:343.46%
CAGR 5Y:16.92%
ROE Method
Fair Value:3104
Margin of Safety:140.61%
Fair PBV:1.20
PB Band
Rata-rata:1.02x
Median:0.95x
PE Band
Rata-rata:7.13x
Median:8.55x
Harga Saat Ini:1365
Rata-rata Fair Value:4459
Median Fair Value:4553
Kalkulator Margin of Safety
Harga Beli yang Disarankan
Equity Growth Method:3502
EPS Growth Method:4400
ROE Method:2388
PE Band:1448
PB Band:2147
Rata-rata:2777
PB Band
PB rata-rata0.6x
Fair Value:1684
Margin of Safety:23.4%
PE Band
PE rata-rata5.8x
Fair Value:1518
Margin of Safety:11.2%
Equity Growth Method
| Year | Equity Growth |
|---|---|
| Year 0 | 2580 |
| Year 1 | 2890 |
| Year 2 | 3238 |
| Year 3 | 3628 |
| Year 4 | 4064 |
| Year 5 | 4553 |
Return on Equity (ROE):12.03%
Book Value:2580.1
Fair Value:4553
Price:1365
Margin of Safety:252.95%
EPS Growth Method
| Year | EPS Growth | Discounted EPS |
|---|---|---|
| Year 0 | 249 | 2292 |
| Year 1 | 292 | 2441 |
| Year 2 | 341 | 2600 |
| Year 3 | 399 | 2769 |
| Year 4 | 466 | 2949 |
| Year 5 | 545 | 3141 |
CAGR 5Y:16.92%
EPS:249.47
Fair Value:5721
Price:1365
Margin of Safety:343.46%
ROE Method
ROE:12.03%
Book Value:2580.1
Fair PBV:1.20
Fair Value:3104
Margin of Safety:140.61%