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P.T. Bank Pan Indonesia Tbk (PNBN.JK)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$931.51 - $1,399.99$1,153.19
Multi-Stage$1,948.99 - $2,145.08$2,045.11
Blended Fair Value$1,599.15
Current Price$1,080.00
Upside48.07%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS0.00%0.00%0.008.0319.980.000.000.000.000.000.000.00
YoY Growth---100.00%-59.82%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Dividend Yield--0.00%0.70%1.40%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)2,669,386.00
(-) Cash Dividends Paid (M)1,010,762.00
(=) Cash Retained (M)1,658,624.00
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)533,877.20333,673.25200,203.95
Cash Retained (M)1,658,624.001,658,624.001,658,624.00
(-) Cash Required (M)-533,877.20-333,673.25-200,203.95
(=) Excess Retained (M)1,124,746.801,324,950.751,458,420.05
(/) Shares Outstanding (M)24,075.1824,075.1824,075.18
(=) Excess Retained per Share46.7255.0360.58
LTM Dividend per Share41.9841.9841.98
(+) Excess Retained per Share46.7255.0360.58
(=) Adjusted Dividend88.7097.02102.56
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate-2.27%-1.27%-0.27%
Fair Value$931.51$1,153.19$1,399.99
Upside / Downside-13.75%6.78%29.63%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)2,669,386.002,635,369.142,601,785.782,568,630.372,535,897.482,503,581.712,578,689.16
Payout Ratio37.86%48.29%58.72%69.15%79.57%90.00%92.50%
Projected Dividends (M)1,010,762.001,272,671.671,527,742.001,776,104.772,017,889.512,253,223.542,385,287.48

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.03%7.03%7.03%
Growth Rate-2.27%-1.27%-0.27%
Year 1 PV (M)1,177,019.241,189,063.361,201,107.47
Year 2 PV (M)1,306,725.581,333,605.131,360,758.34
Year 3 PV (M)1,404,979.991,448,553.171,493,018.05
Year 4 PV (M)1,476,271.141,537,630.061,600,882.12
Year 5 PV (M)1,524,544.871,604,158.871,687,064.72
PV of Terminal Value (M)40,032,816.4642,123,389.6944,300,403.04
Equity Value (M)46,922,357.2849,236,400.2851,643,233.75
Shares Outstanding (M)24,075.1824,075.1824,075.18
Fair Value$1,948.99$2,045.11$2,145.08
Upside / Downside80.46%89.36%98.62%

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