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Q4 2025

BNGAPT Bank CIMB Niaga 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 Margin54.6%54.8%59.9%70.5%69.4%60.2%57.9%59.2%60.8%56.7%
Operating Profit Margin35.6%34.5%36.7%34.4%27.1%13.8%22.7%23.6%20.1%12.9%
Net Profit Margin28.1%28.5%29.4%26.7%21.7%9.7%16.8%17.2%14.6%9.8%
Other Burdens79.0%82.5%79.9%77.6%80.1%70.5%73.8%72.6%72.5%75.6%
Total Asset Turnover0.07x0.07x0.07x0.06x0.06x0.07x0.08x0.08x0.08x0.09x
Equity Multiplier6.41x6.77x6.78x6.78x7.16x6.84x6.34x6.74x7.21x7.06x
Return on Asset2.4%2.3%2.5%2.1%1.6%1.0%1.8%1.8%1.5%1.1%
Return on Equity15.1%15.7%16.6%14.5%11.8%7.0%11.4%12.1%11.1%8.0%
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 Flow-54.3%106.4%-30.0%272.9%327.4%107.0%-122.2%-46.6%225.0%80.8%
Quality of Earnings59.8%119.2%-27.4%-321.0%722.4%1423.2%56.8%-21.5%676.0%158.1%
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
Pendapatan24,6724,2322,3119,1118,8620,721,6920,2920,421,32
Laba Kotor13,4813,2713,3513,4813,0912,4712,5712,0112,412,09
Laba Usaha8,788,368,26,575,122,854,934,794,112,75
Laba Bersih6,946,96,555,14,12,013,643,482,982,08
Aset372,7360,22334,37306,75310,79280,94274,47266,78266,31241,57
Ekuitas58,1653,249,3445,2843,3941,0543,2939,5836,9534,21
Liabilitas314,54307,02285,03261,48267,4239,89231,17227,2229,35207,36
Operating Cash Flow4,158,22-1,8-16,3629,6128,622,07-0,7520,133,29
Investing Cash Flow7,64-7,73-65,99-9,04-26,761,69-1,61-8,95-4,07
Financing Cash Flow-6,46-0,840,33-4,94-1,77-6,581,4-5,15-0,09-3,73

Financial Growth

Growth %Q4 2025Q4 2024Q4 2023Q4 2022Q4 2021Q4 2020Q4 2019Q4 2018Q4 2017Q4 2016
Pendapatan1.8%8.6%16.7%1.3%-8.9%-4.5%6.9%-0.5%-4.3%0.0%
Laba Kotor1.6%-0.6%-0.9%3.0%5.0%-0.8%4.6%-3.2%2.6%0.0%
Laba Usaha5.0%2.0%24.8%28.3%79.4%-42.2%2.9%16.7%49.1%0.0%
Laba Bersih0.5%5.3%28.5%24.4%103.8%-44.8%4.6%16.9%43.0%0.0%
Aset3.5%7.7%9.0%-1.3%10.6%2.4%2.9%0.2%10.2%0.0%
Ekuitas9.3%7.8%9.0%4.4%5.7%-5.2%9.4%7.1%8.0%0.0%
Liabilitas2.4%7.7%9.0%-2.2%11.5%3.8%1.7%-0.9%10.6%0.0%
Operating Cash Flow-49.5%-557.5%-89.0%-155.3%3.4%1282.2%-376.3%-103.7%511.6%0.0%
Investing Cash Flow-198.9%28.8%-200.1%-166.3%-66.2%-1679.1%-205.3%-82.0%119.7%0.0%
Financing Cash Flow666.4%-356.0%-106.7%178.5%-73.1%-570.6%-127.2%5759.8%-97.6%0.0%