Is BNLI.JK overvalued or undervalued?

BNLI.JK currently has a P/E ratio of 19.40. Relative to the sector average of 9.00, this suggests the stock may be overvalued. A higher P/E than peers means investors are paying more for each unit of earnings, often because they expect faster future growth. However, if that growth does not materialize, the stock can appear overvalued. A lower P/E may indicate weaker growth expectations or higher risk, but it can also signal a potential valuation discount.

How can I buy PT Bank Permata Tbk stock?

PT Bank Permata Tbk trades on JKT. Investors in Latin America can buy it through international and regional brokerage and investment platforms. You simply need a valid government ID or passport to get started.

Can I buy fractional shares of BNLI.JK?

Yes. Through fractional investing, you can invest exactly the amount you want, starting with as little as $1 or $5 USD (depending on what investment platform you use), and own a proportional piece of the company.

Does buying BNLI.JK protect my money against local inflation?

Many investors in Latin America buy international stocks like BNLI.JK to protect their purchasing power. Because BNLI.JK is priced in foreign currency, your investment is tied to a hard currency. If your local currency devalues against the foreign currency, usually USD or Euro, the underlying value of your stock portfolio remains protected from local inflation.

Do I need a foreign bank account or a Visa to buy BNLI.JK shares?

No. A common misconception is that you need a foreign bank account or a foreign visa to invest in international stocks. Today, modern investment platforms allow you to fund your account using local bank transfers or local payment methods right from your home country.

Is BNLI.JK a suitable investment for my portfolio?

There is no universal answer, since fit depends on your situation, not just the stock. Think about three things: how well BNLI.JK diversifies what you already own, whether you can stomach its price swings given your risk tolerance, and how long you plan to stay invested. As a rule, a single stock works best as one piece of a broader asset allocation and with a multi-year time horizon. This is general information, not personalized financial advice.

All stocksBNLI.JK

PT Bank Permata Tbk

Rp 1,955.00+Rp 15.00+0.77%

JKT / IDR

Market cap

Rp 70.73T

P/E

19.4

EPS (TTM)

Rp 0.01

Dividend yield

1.79%

Beta

0.50

1Y return

-65.09%

Deposit US$200 and get US$50 for freeT&C apply. Your capital is at risk.Invest with

Compare, tap a companyup to 2 at once

Deposit US$200 and get US$50 for freeT&C apply. Your capital is at risk.Invest with

Financials

The numbers behind the company

Revenue vs net income

RevenueNet income

$928M2021

$926M2022

$1.2B2023

$1.2B2024

$1.2B2025

Financial health

Gross margin

Operating margin

ROE

ROA

Debt to equity0.59Low
Current ratio1.05
Cash ratio0.94
Net margin19.1%
Free cash flow—

Valuation

Is it expensive right now

P/E vs the market

scale 0–50

0153050

BNLI.JK19.4
Financial Services sector median9.0
S&P 50022.0

Trades about 116% above its sector, the market expects faster growth.

Ratios

PEG-19.36
Price to book1.57
EPS (TTM)Rp 0.01
Payout ratio3,459%
FCF yield2.11%

Range & risk

Rp 1875.00Rp 6150.00

Trading in the lower third of its 52-week band

Beta0.50

Profile

What PT Bank Permata Tbk actually does

PT Bank Permata Tbk provides corporate, commercial, and consumer banking products and services in Indonesia. It offers savings and current accounts, time deposits, mutual funds, bonds, and credit cards; mortgage, personal, and working capital loan products; bancassurance, trade finance, foreign exchange, cash management, and treasury solutions; security services and agency services, as well as various digital banking services. The company was formerly known as PT Bank Bali Tbk and changed its name to PT Bank Permata Tbk in October 2002. The company was founded in 1954 and is headquartered in Jakarta, Indonesia. PT Bank Permata Tbk is a subsidiary of Bangkok Bank Public Company Limited.

CEO

Meliza Musa Rusli

Employees

6,302

Headquarters

Jakarta, JK

Founded

2004-06-08

Company website

If you had invested a decade ago

Loading the full price history…

Run your own numbers

Past performance is not a forecast.

ETFs

Own it inside an ETF instead

Vanguard S&P 500

Vanguard Total Stock Market

Vanguard Total World Stock

Invesco QQQ

SPDR S&P 500

iShares Russell 2000

Community sentiment

Bullish—

Distribution

Bearish0%
Neutral0%
Bullish0%

Track it without buyingTrack it

no account needed

Save BNLI.JK and get told when something moves.

Get updates

A clear, direct weekly summary.

Keep looking

Q&A

Questions people ask

BNLI.JK has a beta of 0.50, which indicates how sensitive it has historically been to movements in its broader market. A beta below 1 indicates lower relative volatility than the market. Beta is based on historical data and does not predict future performance.

PT Bank Permata Tbk