PT Bank Aladin Syariah Tbk

BANK.JK

Banks - Regional · Financial Services

Price

288.00 IDR

-16.00 (-5.26%)

Market Cap

4.26T IDR

Exchange

Indonesia Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Jul 26, 2026 · filings through Mar 31, 2026

Share count rising — dilution

+8.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 12.79B (2021) → 13.92B (2025)

PT Bank Aladin Syariah Tbk is an Indonesian financial institution dedicated to providing sharia-compliant banking products and services. Its comprehensive range of offerings includes diverse savings accounts, checking accounts, and certificates, in addition to both funding and financing solutions. The bank further supports its clients with various essential banking operations such as electronic fund transfers, payment processing, and retail purchases. Founded in 1994, the company maintains its headquarters in Jakarta Selatan, Indonesia, and operates as a subsidiary of PT Aladin Global Ventures.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-19.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-37.5% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

$9.8T cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

PT Bank Aladin Syariah Tbk's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

13.7%

Healthy — 13.7% operating margin

ROCE

0.5%

Weak — 0.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+39.6%

Fast-growing sales (39.6% YoY)

EPS YoY

+3461.7%

Earnings growing fast (3461.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

3661%

Turns 3661% of profit into real cash

FCF Margin

576.1%

Converts sales into free cash efficiently (576.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.31

Conservative — low debt load (0.31)

Interest Cover

0.92x

Dangerous — barely covers interest (0.9x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

29.0x

Growth-priced — P/E 29.0

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+5.4

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (29.0 → 23.6)

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Dividends

Not applicable for this business.

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