Financial Services

Sector Overview

The Financial Services sector plays a crucial role in the overall economy by facilitating capital flow, managing risk, and providing a variety of financial products that are essential for both individual consumers and businesses. This sector includes institutions involved in banking, investing, insurance, and various financial transactions which serve to enhance economic stability and growth. Key players such as asset management firms and investment funds help to allocate capital efficiently across various industries, while banks offer services that allow individuals and corporations to manage their funds and obtain credit.

Key drivers in the Financial Services sector include interest rates, regulatory changes, consumer confidence, and technological advancements. Interest rates, set by central banks, influence borrowing costs and savings returns, thereby impacting financial activities. Regulatory changes can either promote stability or create challenges for businesses within the sector, while advancements in technology, including fintech innovations, are transforming how services are delivered and experienced by consumers. Additionally, trends such as increasing digital banking adoption, investment in sustainable and responsible financial products, and the rise of alternative lending are reshaping the landscape of financial services.

The significance of the Financial Services sector can't be overstated, as it not only supports the functioning of the economy through efficient capital allocation but also offers a wide array of financial products that cater to diverse customer needs. This sector is essential for economic growth, enabling investments in infrastructure, business expansion, and personal financial planning. The ongoing evolution within this industry, driven by technology and changing consumer behaviors, highlights the sector's adaptability and its pivotal role in fostering both individual prosperity and broader economic development.

Key Metrics

*Weighted by Market Cap Last updated: Nov 08, 2026
Avg P/E Ratio 28.7
Profitable Companies 96%
Avg Growth 7.8%
Avg Dividend Yield 1.45%

Historical Return

Last updated: Nov 01, 2026
1 Year -2.1% +1.5% Div
3 Years Ø +1.2% +1.5% Div
5 Years Ø +0.3% +1.5% Div
1 Year +7.5% +1.5% Div
3 Years Ø +1.8% +1.5% Div
5 Years Ø +41.9% +1.5% Div

Risk & Analysis Metrics

Last updated: Nov 08, 2026

Volatility

58.58% 1 Year
1615.46% 3 Years
1662.15% 5 Years
599.51% 10 Years

Max Drawdown

-8.96% 1 Year
-10.13% 3 Years
-12.56% 5 Years
-32.76% 10 Years

Sharpe Ratio

2.85 1 Year
1.47 3 Years
1.27 5 Years
0.62 10 Years

Volatility

5765.67% 1 Year
135008.92% 3 Years
104900.87% 5 Years
230.16% 10 Years

Max Drawdown

-8.49% 1 Year
-12.29% 3 Years
-12.40% 5 Years
-18.92% 10 Years

Sharpe Ratio

1.55 1 Year
1.42 3 Years
1.19 5 Years
1.44 10 Years

Return Triangle (Heatmap)

Last updated: Nov 01, 2026
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
2014 2.5% -1.7% 0.8% 3.4% 0.3% 2.8% 2.8% 3.8% 1.6% 2.9% 3.5% 4.5%
2015 -5.8% 0.0% 3.7% -0.3% 2.8% 2.8% 3.9% 1.5% 2.9% 3.6% 4.7%
2016 6.1% 8.8% 1.6% 5.1% 4.6% 5.7% 2.6% 4.0% 4.7% 5.8%
2017 11.6% -0.6% 4.7% 4.3% 5.6% 2.1% 3.7% 4.5% 5.8%
2018 -11.4% 1.5% 1.9% 4.1% 0.2% 2.5% 3.6% 5.1%
2019 16.3% 9.3% 9.9% 3.4% 5.5% 6.3% 7.7%
2020 2.8% 6.8% -0.6% 3.0% 4.4% 6.3%
2021 10.9% -2.2% 3.1% 4.8% 7.0%
2022 -13.8% -0.6% 2.9% 6.0%
2023 14.5% 12.4% 13.6%
2024 10.3% 13.2%
2025 16.1%
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
2014 - - - - - - - - - - - -
2015 - - - - - - - - - - -
2016 - - - - - - - - - -
2017 - - - - - - - - -
2018 - - - - - - - -
2019 - - - - - - -
2020 - - - - - -
2021 - - - - -
2022 - - - -
2023 16.3% 14.7% 19.1%
2024 13.2% 20.6%
2025 28.5%

Distributions

Last updated: Nov 01, 2026

Profit Margin Distribution

< 0%
4%
1y 3y 2% 0%
0 - 5%
12%
1y 3y 2% 0%
5 - 10%
26%
1y 3y 0% 1%
10 - 15%
11%
1y 3y 84% 8%
15 - 20%
24%
1y 3y 8% 27%
20 - 30%
16%
1y 3y 4% 64%
30 - 40%
3%
1y 3y 1% 0%
> 40%
5%
1y 3y 0% 0%
< 0%
21%
1y 3y 58% 40%
0 - 5%
8%
1y 3y 8% 16%
5 - 10%
10%
1y 3y 12% 20%
10 - 15%
9%
1y 3y 4% 4%
15 - 20%
9%
1y 3y 8% 8%
20 - 30%
13%
1y 3y 8% 8%
30 - 40%
7%
1y 3y 4% 0%
> 40%
25%
1y 3y 0% 4%

P/E Ratio Distribution

< 0
4%
1y 3y 44% 1%
0 - 10
36%
1y 3y 0% 1%
10 - 15
17%
1y 3y 56% 99%
15 - 20
16%
1y 3y 0% 0%
20 - 25
2%
1y 3y 0% 0%
25 - 35
2%
1y 3y 0% 0%
35 - 50
9%
1y 3y 0% 0%
> 50
14%
1y 3y 0% 0%
< 0
26%
1y 3y 50% 6%
0 - 10
32%
1y 3y 0% 83%
10 - 15
15%
1y 3y 50% 11%
15 - 20
8%
1y 3y 0% 0%
20 - 25
4%
1y 3y 0% 0%
25 - 35
4%
1y 3y 0% 0%
35 - 50
4%
1y 3y 0% 0%
> 50
8%
1y 3y 0% 0%

Discounted Cash Flow

Weighted Average Undervaluation
N/A
Undervalued
> 60%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
15 - 30%
0%
1y 3y N/A N/A
Fair (&plusmn;15%)
0%
1y 3y N/A N/A
Overvalued
15 - 30%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
> 60%
0%
1y 3y N/A N/A
Equal Weight Average Undervaluation
N/A
Undervalued
> 60%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
15 - 30%
0%
1y 3y N/A N/A
Fair (&plusmn;15%)
0%
1y 3y N/A N/A
Overvalued
15 - 30%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
> 60%
0%
1y 3y N/A N/A

Portfolio Concentration

*by Market Cap Last updated: Nov 01, 2026
25.1% Top 5 Holdings
36.9% Top 10 Holdings
69.9% Top 50 Holdings
81.8% Top 100 Holdings
Top 5 Companies
SMMA.JK PT Sinar Mas Multiartha Tbk
6.4%
1557.T SPDR S&P 500 ETF Trust
6.3%
CASA.JK PT Capital Financial Indonesia Tbk
4.9%
CIBEST.CL Grupo Cibest S.A.
4.1%
PFCIBEST.CL Grupo Cibest S.A.
3.5%

Market Cap Size Distribution

Micro Cap
0.0%
1y 3y 1.4% 0.4%
Small Cap
0.1%
1y 3y 2.8% 1.1%
Mid Cap
0.3%
1y 3y 13.1% 3.2%
Large Cap
2.9%
1y 3y 82.8% 34.1%
Mega Cap
96.7%
1y 3y 0.0% 61.3%
Micro: < $300M Small: $300Mā€“$2B Mid: $2Bā€“$10B Large: $10Bā€“$200B Mega: > $200B
Micro Cap
49.1%
1y 3y 75.0% 77.3%
Small Cap
23.9%
1y 3y 11.1% 12.1%
Mid Cap
12.5%
1y 3y 9.7% 4.5%
Large Cap
10.4%
1y 3y 4.2% 4.5%
Mega Cap
4.1%
1y 3y 0.0% 1.5%
Micro: < $300M Small: $300Mā€“$2B Mid: $2Bā€“$10B Large: $10Bā€“$200B Mega: > $200B

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Industries

24 total

Average metrics of all companies in sector Last updated: Nov 08, 2026

Compare to
Market
Market Cap The average market value of companies in this sector. $4.04T
Dividend Yield Yearly payout to shareholders per share. The percentage indicates the payout in relation to the share price. 1.45 %
Beta Indicates the relationship between the price performance of a share and the market. 0.45
P/E Ratio Ratio between share price and earnings per share. A low ratio could indicate that the stock is undervalued or investors aren't expecting high growth. A high ratio could indicate that the stock is overvalued or investors are expecting high growth. 28.7
Negative P/E Ratio A negative P/E ratio shows that the company is not profitable, and it shows how many years it would take the company to lose its entire market capitalisation if it did not change anything. -50.51
Profitable Companies 96%
PEG The ratio between the P/E ratio and the growth rate of the company's earnings per share in the last twelve months. A lower PEG could mean that a stock is undervalued. 8.93
Price to Sales Ratio Market cap divided by the revenue in the most recent year. 5.67
Price to Book Ratio Price to Book Ratio is the Market cap divided by the Book value of the company. 2.51
Compare to
Market
Enterprise Value to EBIT Enterprise Value divided by EBIT. 19.8
Enterprise Value to Revenue Enterprise value divided by revenue. 6.77
Total Debt to Enterprise Value Total debt divided by enterprise value. 0.41
Debt to Equity A higher ratio indicates a higher risk. However, the ratio is difficult to compare between industries where common amounts of debt vary. 1.06
Profit Margin Net income divided by revenue of the last 4 quarters. It indicates the company's profitability. 13.47%
Quarterly Earnings Growth (YoY) The rate at which the company's net income has increased to the same quarter one year ago. +7.8%
Return on Equity Equity divided by market cap. 10.04%
Return on Assets Indicates a company's profitability in relation to its total assets. 2.47%
Return on Invested Capital Return on invested capital (ROIC) is net income after dividends divided by the sum of debt and equity. It shows how effective a company is at turning capital invested by shareholders and other debtholders into profits. 4.30%

Stock Screener

Select filters to narrow down the 9839 companies below

9839 companies
$0B >$1T

Ratio between share price and earnings per share. A low ratio could indicate undervaluation.

<0 >50

Ratio of dividends in the last 12 months to current share price.

0% 3%

Revenue increase compared to the same quarter one year ago.

0% 30%

Net income increase compared to the same quarter one year ago.

0% 30%

Profitability of the last quarter.

<-30% >30%

A higher ratio indicates a higher risk. The ratio is difficult to compare between industries.

<0 >3

Discounted cash flow valuation vs. current price. Positive = undervalued, negative = overvalued.

<-50% >+100%
Market Cap
Dividends Ratio of dividends in the last 12 months to current share price
P/E Ratio
Revenue Revenue of the last quarter YoY Change
Net income Net income of the last quarter YoY Change
Profit margin Profit margin of the last quarter

PT Sinar Mas Multiartha Tbk

SMMA.JK

PT Sinar Mas Multiartha Tbk

SMMA.JK
Market Cap $136.27T
Dividends 0.0%
P/E Ratio 84.2
Revenue $5.64T -12.8%
Net Income $2.32B -99.8%
Profit Margin +0.0%
Employees 9.25K
View Stock

PT Capital Financial Indonesia Tbk

CASA.JK

PT Capital Financial Indonesia Tbk

CASA.JK
Market Cap $102.14T
Dividends 0.0%
P/E Ratio 825.0
Revenue $788B -40.3%
Net Income -$5.3B -128.7%
Profit Margin -0.7%
Employees 996
View Stock

Grupo Cibest S.A.

CIBEST.CL

Grupo Cibest S.A.

CIBEST.CL
Market Cap $75.37T
Dividends 5.5%
P/E Ratio 12.7
Revenue $11.9T +83.8%
Net Income $2.08T -3.0%
Profit Margin +17.4%
Employees 31.57K
View Stock

Grupo Cibest S.A.

PFCIBEST.CL

Grupo Cibest S.A.

PFCIBEST.CL
Market Cap $69.9T
Dividends 6.3%
P/E Ratio 13.9
Revenue $11.9T +83.8%
Net Income $2.08T -3.0%
Profit Margin +17.4%
Employees 33.95K
View Stock

PT Bank Syariah Indonesia Tbk

BRIS.JK

PT Bank Syariah Indonesia Tbk

BRIS.JK
Market Cap $52.59T
Dividends 2.9%
P/E Ratio 6.6
Revenue $8.73T
Net Income $1.96T
Profit Margin +22.4%
Employees 16.22K
View Stock

PT Bank Permata Tbk

BNLI.JK

PT Bank Permata Tbk

BNLI.JK
Market Cap $46.67T
Dividends 2.7%
P/E Ratio 14.3
Revenue $4.91T -5.9%
Net Income $850B -31.3%
Profit Margin +17.3%
Employees 6.3K
View Stock

PT Bank Mega Tbk

MEGA.JK

PT Bank Mega Tbk

MEGA.JK
Market Cap $46.61T
Dividends 4.3%
P/E Ratio 15.6
Revenue $1.51T -53.3%
Net Income $552B -34.1%
Profit Margin +36.5%
Employees 3.78K
View Stock

PT Bank Danamon Indonesia Tbk

BDMN.JK

PT Bank Danamon Indonesia Tbk

BDMN.JK
Market Cap $45.94T
Dividends 3.0%
P/E Ratio 9.9
Revenue $9.23T +26.4%
Net Income $1.11T -7.5%
Profit Margin +12.0%
Employees 23.93K
View Stock

Samsung Life Insurance Co., Ltd.

032830.KS

Samsung Life Insurance Co., Ltd.

032830.KS
Market Cap $45.25T
Dividends 2.1%
P/E Ratio 23.1
Revenue $8.67T +21.0%
Net Income $824B +14.0%
Profit Margin +9.5%
Employees 5.12K
View Stock

PT Bank CIMB Niaga Tbk

BNGA.JK

PT Bank CIMB Niaga Tbk

BNGA.JK
Market Cap $38.83T
Dividends 10.5%
P/E Ratio 6.4
Revenue $7.7T -5.8%
Net Income $1.06T -41.8%
Profit Margin +13.7%
Employees 10.39K
View Stock

Hana Financial Group Inc.

086790.KS

Hana Financial Group Inc.

086790.KS
Market Cap $33.28T
Dividends 3.9%
P/E Ratio 8.1
Revenue $1.69T -75.5%
Net Income $1.26T +11.4%
Profit Margin +74.7%
Employees 22.18K
View Stock

PT Bank OCBC NISP Tbk

NISP.JK

PT Bank OCBC NISP Tbk

NISP.JK
Market Cap $26.62T
Dividends 3.9%
P/E Ratio 5.1
Revenue $5.42T +2.2%
Net Income $1.3T +3.5%
Profit Margin +24.0%
Employees 6.26K
View Stock

PT Bank BTPN Tbk

BTPNF

PT Bank BTPN Tbk

BTPNF
Market Cap $25.66T
Dividends 0.4%
P/E Ratio 59.1
Revenue $6.14T
Net Income $948B
Profit Margin +15.4%
Employees 29.75K
View Stock

PT Bank SMBC Indonesia Tbk

BTPN.JK

PT Bank SMBC Indonesia Tbk

BTPN.JK
Market Cap $25.66T
Dividends 0.4%
P/E Ratio 59.1
Revenue $6.14T
Net Income $948B
Profit Margin +15.4%
Employees 29.75K
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PT Saratoga Investama Sedaya Tbk

SRTG.JK

PT Saratoga Investama Sedaya Tbk

SRTG.JK
Market Cap $23.33T
Dividends 6.0%
P/E Ratio 1.8
Revenue $8.13T +1936.6%
Net Income $7.34T -389.8%
Profit Margin +90.3%
Employees 68
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PT Bank Ina Perdana Tbk

BINA.JK

PT Bank Ina Perdana Tbk

BINA.JK
Market Cap $22.44T
Dividends 0.0%
P/E Ratio -68.0
Revenue $802B +57.7%
Net Income $7.85B -3.8%
Profit Margin +1.0%
Employees 633
View Stock

Samsung Fire & Marine Insurance Co., Ltd.

000810.KS

Samsung Fire & Marine Insurance Co., Ltd.

000810.KS
Market Cap $21.07T
Dividends 3.7%
P/E Ratio 12.3
Revenue $6.51T +17.9%
Net Income $494B -8.2%
Profit Margin +7.6%
Employees 5.54K
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Samsung Fire & Marine Insurance Co., Ltd.

000815.KS

Samsung Fire & Marine Insurance Co., Ltd.

000815.KS
Market Cap $21.07T
Dividends 3.7%
P/E Ratio 12.3
Revenue $6.51T +17.9%
Net Income $494B -8.2%
Profit Margin +7.6%
Employees 5.54K
View Stock

PT Bank of India Indonesia Tbk

BSWD.JK

PT Bank of India Indonesia Tbk

BSWD.JK
Market Cap $20.29T
Dividends 0.0%
P/E Ratio 183.1
Revenue $105B -8.3%
Net Income $18.1B -178.6%
Profit Margin +17.3%
Employees 215
View Stock

PT MSIG Life Insurance Indonesia Tbk

LIFE.JK

PT MSIG Life Insurance Indonesia Tbk

LIFE.JK
Market Cap $19.9T
Dividends 1.0%
P/E Ratio 74.3
Revenue $867B -0.5%
Net Income $57.6B -16.1%
Profit Margin +6.6%
Employees 472
View Stock