PT Bank QNB Indonesia Tbk is a financial institution engaged in providing personal banking and wholesale banking services including savings accounts, deposits, demand deposits, term deposits, current accounts and cash management. It also offers loans and advances, overdrafts, credit facilities, borrowings and other credit facilities. In addition, it offers services of debit and credit cards, safe deposit box, export-import services, fund transfer, and related services. The group operates its business in the lines of Credit, Treasury, and Trade finance. The majority of the company's revenue comprises of interest and dividend income, fees, and commission received from domestic business. It has a geographical presence in the Indonesian locations of Jakarta, Sumatera, Jawa, and Wilayah Timur.

Financial Strength

6/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	17.36
Equity-to-Asset	0.4
Debt-to-Equity	0.02
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.47	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	1.5
	3-Year Book Growth Rate	-12.8

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	28.79
	9-Day RSI	33.72
	14-Day RSI	36.22
	6-1 Month Momentum %	-22.5
	12-1 Month Momentum %	-31.11

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-19.8
	Shareholder Yield %	36.6

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	9.48
	FCF Margin %	80.47
	ROE %	1.47
	ROA %	0.48
	Years of Profitability over Past 10-Year	5

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	22.34
	PE Ratio without NRI	22.34
	Price-to-Owner-Earnings	22.19
	PS Ratio	2.12
	PB Ratio	0.45
	Price-to-Tangible-Book	0.46
	Price-to-Free-Cash-Flow	1.61
	Price-to-Operating-Cash-Flow	1.61
	EV-to-Revenue	0.5
	EV-to-FCF	0.62
	Price-to-Median-PS-Value	0.56
	Price-to-Graham-Number	0.67
	FCF Yield %	27.86
	Forward Rate of Return (Yacktman) %	-31.62

GF Value: Rp92.53

ISX:BKSW

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