PT Bank SMBC Indonesia Tbk (BTPN.JK) Stock Price
PT Bank SMBC Indonesia Tbk Price
Over the last 19 years PT Bank SMBC Indonesia Tbk grew revenue by 17.4% annually, reaching 27.09 T IDR. Earnings per share have grown at 2.7% per year over the last 19 years. For PT Bank SMBC Indonesia Tbk, the net margin of 1.9% is down versus 16.9% a few years ago. At today's price the dividend yield works out to roughly 2.25%. The payout ratio is around 111% of earnings. The consensus 12-month price target for PT Bank SMBC Indonesia Tbk is 2,295.00 IDR, about 2.3% below where the stock trades today. Of 9 analysts, 0 rate the stock a buy — an overall Sell consensus. The stock trades about 22% above its 52-week low.
PT Bank SMBC Indonesia Tbk stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of PT Bank SMBC Indonesia Tbk over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how PT Bank SMBC Indonesia Tbk stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing PT Bank SMBC Indonesia Tbk's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | PT Bank SMBC Indonesia Tbk Price |
|---|---|
| 9/11/2026 | 2,350.00 IDR |
| 9/10/2026 | 2,430.00 IDR |
| 9/9/2026 | 2,420.00 IDR |
| 9/8/2026 | 2,420.00 IDR |
| 9/7/2026 | 2,410.00 IDR |
| 9/4/2026 | 2,470.00 IDR |
| 9/3/2026 | 2,500.00 IDR |
| 9/2/2026 | 2,280.00 IDR |
| 9/1/2026 | 2,270.00 IDR |
| 8/31/2026 | 2,240.00 IDR |
| 8/28/2026 | 2,240.00 IDR |
| 8/27/2026 | 2,240.00 IDR |
| 8/26/2026 | 2,200.00 IDR |
| 8/24/2026 | 2,180.00 IDR |
| 8/21/2026 | 2,200.00 IDR |
| 8/20/2026 | 2,200.00 IDR |
| 8/19/2026 | 2,120.00 IDR |
| 8/18/2026 | 2,130.00 IDR |
| 8/14/2026 | 2,130.00 IDR |
| 8/13/2026 | 2,170.00 IDR |
| 8/12/2026 | 2,120.00 IDR |
| 8/11/2026 | 2,160.00 IDR |
| 8/10/2026 | 2,160.00 IDR |
| 8/7/2026 | 2,160.00 IDR |
| 8/6/2026 | 2,170.00 IDR |
| 8/5/2026 | 2,160.00 IDR |
| 8/4/2026 | 2,190.00 IDR |
| 8/3/2026 | 2,170.00 IDR |
| 7/31/2026 | 2,190.00 IDR |
| 7/30/2026 | 2,170.00 IDR |
PT Bank SMBC Indonesia Tbk Revenue, Net Income
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PT Bank SMBC Indonesia Tbk Income Statement, Balance Sheet, Cash Flow Statement
| REVENUET IDR |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMET IDR |
| NET INCOMET IDR |
| NET INCOME GROWTH% |
| DIVIDENDDIV.IDR |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESB |
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9.56 | 11.26 | 12.84 | 13.29 | 13.82 | 13.93 | 14.04 | 19.20 | 16.99 | 15.76 | 17.01 | 19.68 | 25.07 | 27.09 | 19.47 | 20.33 |
| 24.92 | 17.70 | 14.03 | 3.53 | 4.00 | 0.77 | 0.82 | 36.72 | -11.49 | -7.28 | 7.97 | 15.67 | 27.41 | 8.04 | -28.13 | 4.43 |
| 66.51 | 65.93 | 59.90 | 61.92 | 67.12 | 70.04 | 70.39 | 62.68 | 68.92 | 79.62 | 77.21 | 68.06 | 68.58 | 40.24 | 40.24 | 40.24 |
| 6.36 | 7.42 | 7.69 | 8.23 | 9.28 | 9.75 | 9.88 | 12.03 | 11.71 | 12.55 | 13.14 | 13.39 | 17.19 | 10.90 | 7.83 | 8.18 |
| 1.98 | 2.14 | 1.87 | 1.70 | 1.75 | 1.22 | 1.84 | 2.57 | 1.75 | 2.66 | 3.10 | 2.36 | 2.81 | 0.51 | 3.91 | 3.93 |
| 41.35 | 8.12 | -12.64 | -8.95 | 2.95 | -30.32 | 50.58 | 39.93 | -32.00 | 52.33 | 16.17 | -23.82 | 19.28 | -82.03 | 672.76 | 0.48 |
| – | – | – | – | – | 100.00 | 100.00 | – | – | – | – | 76.64 | 44.30 | 52.85 | 52.85 | 52.85 |
| – | – | – | – | – | – | – | – | – | – | – | – | -42.20 | 19.30 | – | – |
| 5.66 | 6.25 | 6.21 | 6.06 | 5.75 | 5.89 | 5.88 | 8.14 | 8.05 | 8.06 | 8.08 | 8.08 | 10.65 | 10.65 | 10.65 | 10.65 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales PT Bank SMBC Indonesia Tbk generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue PT Bank SMBC Indonesia Tbk retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare PT Bank SMBC Indonesia Tbk's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares PT Bank SMBC Indonesia Tbk has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against PT Bank SMBC Indonesia Tbk's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
PT Bank SMBC Indonesia Tbk stock margins
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PT Bank SMBC Indonesia Tbk Revenue per Share, Earnings per Share
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PT Bank SMBC Indonesia Tbk business model & stock analysis
PT Bank SMBC Indonesia Tbk SWOT Analysis
Strengths
Bank BTPN Tbk PT holds a strong market position in the banking industry, with a significant customer base and a wide range of services offered.
The bank has shown consistent financial growth and profitability over the years, reflecting its strong financial performance and stability.
Bank BTPN Tbk PT is known for its innovative banking solutions, using technology to provide convenient and accessible services to its customers.
Weaknesses
Bank BTPN Tbk PT's operations are mainly concentrated in specific regions, limiting its reach and potential for growth in other areas.
The bank relies heavily on traditional banking methods, which may hinder its ability to compete with fintech companies offering innovative digital services.
Bank BTPN Tbk PT faces strong competition from larger banks in the market, resulting in a relatively small market share compared to its competitors.
Opportunities
There is a growing trend towards digital banking, providing opportunities for Bank BTPN Tbk PT to expand its digital services and reach a broader customer base.
The bank can leverage its resources and expertise to contribute to financial inclusion initiatives, targeting underserved segments of the population and gaining a competitive edge.
Forming strategic partnerships with fintech companies or other financial institutions can enable Bank BTPN Tbk PT to access new markets and enhance its range of products and services.
Threats
The banking industry is highly competitive, with numerous players vying for market share, leading to potential margin pressure and increased customer acquisition costs.
Strict regulatory requirements and compliance obligations pose risks to Bank BTPN Tbk PT, requiring ongoing investment in compliance measures and potentially impacting profitability.
The rise of fintech companies offering innovative financial solutions may disrupt traditional banking models and pose a threat to Bank BTPN Tbk PT's market position.
PT Bank SMBC Indonesia Tbk Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
PT Bank SMBC Indonesia Tbk historical P/E ratio, EBIT multiple, and P/S ratio
PT Bank SMBC Indonesia Tbk annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down PT Bank SMBC Indonesia Tbk's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in PT Bank SMBC Indonesia Tbk's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare PT Bank SMBC Indonesia Tbk's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
PT Bank SMBC Indonesia Tbk shares outstanding
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PT Bank SMBC Indonesia Tbk stock splits
Since 2011, a total of 5 shares have been converted from one PT Bank SMBC Indonesia Tbk share.
PT Bank SMBC Indonesia Tbk Dividend History
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PT Bank SMBC Indonesia Tbk dividend history and estimates
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PT Bank SMBC Indonesia Tbk dividend payout ratio
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Current PT Bank SMBC Indonesia Tbk forecasts and price targets in September 2026
Analyst Price Targets 2026PT Bank SMBC Indonesia Tbk Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 3/1/2023 | -IDR | 84.14IDR | 13.93 BIDR | - | 2022 Q4 |
| 2/14/2018 | -11.62IDR | -24.00IDR | -IDR | - | 2017 Q4 |
| 10/25/2017 | 84.14IDR | 72.00IDR | -IDR | - | 2017 Q3 |
| 2/21/2017 | 87.49IDR | 63.67IDR | -IDR | - | 2016 Q4 |
| 10/26/2016 | 85.15IDR | 78.00IDR | -IDR | - | 2016 Q3 |
| 7/26/2016 | 85.15IDR | 83.66IDR | -IDR | - | 2016 Q2 |
| 2/19/2014 | 66.92IDR | 59.00IDR | 2.01 TIDR | - | 2013 Q4 |
| 4/24/2013 | 98.94IDR | 98.00IDR | 1.84 TIDR | - | 2013 Q1 |
EESG©
Eulerpool ESG Scorecard© for the PT Bank SMBC Indonesia Tbk stock
EEnvironment
Environment
SSocial
Social
GGovernance (Corporate Governance)
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
PT Bank SMBC Indonesia Tbk shareholder structure
| % | Name |
|---|---|
96.09141% | |
1.08795% | |
0.11903% | |
0.01339% | |
0.00853% | |
0.00222% |
PT Bank SMBC Indonesia Tbk Beneficial Ownership Filings (SEC 13D/G)
PT Bank SMBC Indonesia Tbk Executives and Management Board
19 members · avg. age 58 · 32 % women
Management
Mr. Ying Hoong Chow (62)
President Commissioner
Mr. Henoch Munandar (56)
President Director
Mr. Kaoru Furuya (57)
Deputy President Director
Mr. Darmadi Sutanto (59)
Deputy President Director
Ms. Eneng Yulie Andrian (48)
Corporate Secretary
Mr. Ongki Wanadjati Dana (65)
Commissioner
Board of Directors
Ms. Hanna Tantani (56)
Director of Finance and Planning
Ms. Merisa Darwis (51)
Director of Operations
Mr. Kan Funakoshi (52)
Director of Japanese Corporate Banking
Ms. Dini Herdini (57)
Compliance Director
Mr. Atsushi Hino
Director
Mr. Keishi Kobata
Director
Frequently asked questions about PT Bank SMBC Indonesia Tbk
Bank BTPN Tbk PT operates under the business model of providing inclusive financial services in Indonesia. The company primarily focuses on serving the retail segment and small and medium enterprises (SMEs). Bank BTPN aims to improve financial inclusion by providing customizable and innovative banking products and services that cater to the underserved and unbanked population. By offering a wide range of financial solutions, such as microfinance, savings accounts, loans, and digital banking services, Bank BTPN aims to empower individuals and businesses to achieve their financial goals. With a strong emphasis on technology and accessible banking, Bank BTPN is committed to driving financial inclusion in the Indonesian market.
Bank BTPN Tbk PT is primarily active in the banking industry.
The main competitors of Bank BTPN Tbk PT in the market include other Indonesian banks such as Bank Mandiri, Bank Negara Indonesia (BNI), and Bank Rakyat Indonesia (BRI). These banks also operate in the same market and offer various financial services and products to customers in Indonesia. Being a leading player in the banking sector, Bank BTPN Tbk PT faces tough competition from these competitors as they strive to attract customers and gain market share in the financial industry.
Bank BTPN Tbk PT is a leading bank in Indonesia that has a rich history and background. Established in 1958, it was initially known as Bank Tabungan Pensiunan Nasional (BTPN) before its name changed in 2008. BTPN focused on serving retirees and pensioners, providing financial services to help them improve their lives. In recent years, the bank has expanded its services to include micro, small and medium enterprises (MSMEs) and retail clients. With a strong commitment to financial inclusion, Bank BTPN Tbk PT aims to empower individuals and businesses through innovative banking solutions and digital services. The bank continues to demonstrate its dedication to supporting the growth and development of its customers and the Indonesian economy.
Bank BTPN Tbk PT has achieved significant milestones since its establishment. Notably, the company successfully launched its digital banking platform, Jenius, in 2016, which has gained immense popularity among customers in Indonesia. The platform offers various innovative features, such as personalized financial management tools, easy money transfers, and virtual debit cards, revolutionizing the way people manage their finances. Bank BTPN has also received several accolades, including being recognized as the Best Digital Bank in Indonesia by Euromoney and the Best Digital Bank in Emerging Markets by Global Finance. Through continuous innovation and customer-centric initiatives, Bank BTPN Tbk PT has emerged as a leading player in the Indonesian banking industry.
Bank BTPN Tbk PT is primarily present in Indonesia.
Bank BTPN Tbk PT represents a strong commitment to its core values and corporate philosophy. The company prioritizes customer satisfaction by providing excellent financial services and solutions tailored to meet their specific needs. Bank BTPN Tbk PT highly values innovation and embraces technology to deliver more efficient banking services. With a focus on inclusivity, the bank strives to support and empower micro, small, and medium-sized enterprises (MSMEs) as well as individuals in achieving their financial goals. Bank BTPN Tbk PT's corporate philosophy centers around integrity, teamwork, and continuous improvement, ensuring a reliable and trustworthy banking experience for all its stakeholders.
Analysts currently set an average price target of 2,295.00 IDR for the PT Bank SMBC Indonesia Tbk stock (median: 2,295.00 IDR), implying -1.1 % versus the latest price. The consensus is based on 9 analyst ratings.
9 analysts currently rate the PT Bank SMBC Indonesia Tbk stock: 0 recommend buying, 3 holding and 6 selling. For 2026, analysts expect PT Bank SMBC Indonesia Tbk to generate revenue of 19.47 T IDR and earnings per share of 366.97 IDR.
Converted at the current exchange rate, the PT Bank SMBC Indonesia Tbk share trades at 0.12 EUR (2,350.00 IDR).
The translation is: Bank BTPN Tbk PT is a leading bank in Indonesia that has been offering a wide range of financial services since its establishment in 1958. The bank aims to meet the financial needs of the Indonesian population and drive its growth through innovative products and services. One of the main pillars of Bank BTPN Tbk PT's business model is the deposit and lending business. The bank offers a variety of savings and deposit products that are attractive to both retail customers and businesses. In addition, the bank offers a wide range of credit products tailored to the needs of different target groups, including microloans, loans for small and medium enterprises, and consumer loans. Another important segment of Bank BTPN Tbk PT is wealth management, where the bank offers a range of investment products tailored to the needs of affluent customers, including investment funds, stock trading, and asset management. The bank also has a strong focus on payment services, offering a wide range of payment and transaction services that are of interest to both retail and business customers, including card payments, online banking, and transactions through mobile devices. Bank BTPN Tbk PT also has a strong commitment to social responsibility. The bank has established its own foundation that focuses on promoting education and health. The foundation provides scholarships and training programs for disadvantaged communities and works closely with local government agencies and NGOs to improve people's lives in Indonesia. Overall, the business model of Bank BTPN Tbk PT is very solid and innovative. The bank has managed to establish itself in a highly competitive market by addressing the needs of its customers and focusing on a wide range of product and service areas. With its strong commitment to social responsibility, the bank is also an important player in Indonesia's sustainable development.
The expected revenue of PT Bank SMBC Indonesia Tbk is 19.47 T IDR. This figure is based on current financial data and reflects the company's business performance.
The expected profit of PT Bank SMBC Indonesia Tbk is 3.91 T IDR. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of PT Bank SMBC Indonesia Tbk is currently 6.40. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the PT Bank SMBC Indonesia Tbk stock.
The price-to-sales ratio (P/S) of PT Bank SMBC Indonesia Tbk is currently 1.29. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the PT Bank SMBC Indonesia Tbk stock.
The Eulerpool Quality Score for PT Bank SMBC Indonesia Tbk is 3/10.
The ISIN of PT Bank SMBC Indonesia Tbk is ID1000118508. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The ticker of PT Bank SMBC Indonesia Tbk is BTPN.JK. The ticker symbol is used to trade PT Bank SMBC Indonesia Tbk shares on the stock exchange.
Over the past 12 months, PT Bank SMBC Indonesia Tbk paid a dividend of 52.85 IDR . This corresponds to a dividend yield of about 2.25 %. For the coming 12 months, PT Bank SMBC Indonesia Tbk is expected to pay a dividend of 52.85 IDR.
The current dividend yield of PT Bank SMBC Indonesia Tbk is 2.25 %.
PT Bank SMBC Indonesia Tbk pays a dividend, distributed in the months of April, May.
PT Bank SMBC Indonesia Tbk paid dividends every year for the past 3 years.
For the upcoming 12 months, dividends amounting to 52.85 IDR are expected. This corresponds to a dividend yield of 2.25 %.
PT Bank SMBC Indonesia Tbk is assigned to the 'Finance' sector.
To receive the latest dividend of PT Bank SMBC Indonesia Tbk from 5/23/2025 amounting to 52.85 IDR, you needed to have the stock in your portfolio before the ex-date on 5/2/2025.
The last dividend was paid out on 5/23/2025.
In the year 2025, PT Bank SMBC Indonesia Tbk distributed 52.85 IDR as dividends.
The dividends of PT Bank SMBC Indonesia Tbk are distributed in IDR.
PT Bank SMBC Indonesia Tbk stock
PT Bank SMBC Indonesia Tbk Peer Group
PT Bank SMBC Indonesia Tbk Ticker
PT Bank SMBC Indonesia Tbk FIGI
All fundamentals and in-depth analysis of PT Bank SMBC Indonesia Tbk
Our stock analysis for PT Bank SMBC Indonesia Tbk stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of PT Bank SMBC Indonesia Tbk. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.