PT Bank Sinarmas Tbk provides financial services. The company is involved in credit activities, fund collection, banking service and e-banking products, bancassurance and investment products sales, credit card business, international business activities and treasury, and sharia business unit. It collects funds from the public to be distributed in the form of loans to both individuals and corporations. The company's operating segment includes Commercial Bank and Sharia Business Unit. It generates maximum revenue from the Commercial Bank segment which includes Marketing and Credit, Treasury and Trade Finance.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	20.74
Equity-to-Asset	0.15
Debt-to-Equity	0.08
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.6	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-3.4
	3-Year EPS without NRI Growth Rate	-25.2
	3-Year FCF Growth Rate	33.4
	3-Year Book Growth Rate	3.6

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	23.79
	9-Day RSI	33.81
	14-Day RSI	39.69
	6-1 Month Momentum %	6.32
	12-1 Month Momentum %	1

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-5.1
	Shareholder Yield %	-0.76

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	2.21
	FCF Margin %	57.58
	ROE %	1.03
	ROA %	0.16
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	187.36
	PE Ratio without NRI	171.38
	Shiller PE Ratio	86.37
	Price-to-Owner-Earnings	91.53
	PEG Ratio	41.8
	PS Ratio	5.21
	PB Ratio	2.35
	Price-to-Tangible-Book	2.45
	Price-to-Free-Cash-Flow	9.01
	Price-to-Operating-Cash-Flow	8.32
	EV-to-Revenue	1.54
	EV-to-FCF	3.11
	Price-to-Projected-FCF	1.63
	Price-to-DCF (FCF Based)	0.26
	Price-to-Median-PS-Value	1.23
	FCF Yield %	11.68
	Forward Rate of Return (Yacktman) %	8.92

GF Value: €0.05

FRA:08S

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