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STOCK COMPARISON

Avanza Bank Holding AB (publ) vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Avanza Bank Holding AB (publ) (AZA) and Bank Central Asia Tbk (BBCA) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Avanza Bank Holding AB (publ) trades at SEK 401 versus a fair value of SEK 143 (-64%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 4,637 (-27%).
Avanza Bank Holding AB (publ)
AZA.ST · SEK · Financials
-64%
upside to fair value
overvalued
PriceSEK 401
Fair ValueSEK 143
Quality57/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-27%
upside to fair value
overvalued
PriceIDR 6,375
Fair ValueIDR 4,637
Quality64/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Avanza Bank Holding AB (publ)Bank Central Asia Tbk
Valuation
23.1×P/E (TTM)13.1×
11.85×P/S (TTM)6.99×
7.59×P/B2.70×
14.9×EV/EBITDA9.0×
6.32×PEG2.86×
3.3%Dividend yield5.4%
SEK 12.75Dividend per shareIDR 336
Profitability
53%Net margin53%
63%Operating margin68%
33%Return on equity23%
1%Return on assets4%
Growth
10%Revenue growth (YoY)3%
22.5%Avg. growth/yr (3Y)9.3%
18.7%Avg. growth/yr (5Y)10.2%
Balance & size
$6BMarket cap$76B
healthyGrowth qualityhealthy

Bank Central Asia Tbk leads: 4 to 9 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Avanza Bank Holding AB (publ)of which business quality 54 · market factors 73 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
45
45
Quality GrowthAre margins and returns improving?
52
46
CashflowEarnings quality: real cash, not paper profit
100
89
Fin. StrengthBalance sheet, leverage, solvency risk
10
19
InvestmentDisciplined investing over empire-building
38
75
Low VolatilityCalm price path (market factor)
82
79
MomentumPrice trend over the last 3–12 months (market factor)
65
29
52W MomentumDistance to the 52-week high (market factor)
76
26
Net IssuanceBuybacks instead of dilution
79
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Avanza Bank Holding AB (publ)

MultiplesSEK 144
Asset-BasedSEK 33.66
Economic ProfitSEK 172

4 of 4 models see the stock below the current price.

Bank Central Asia Tbk

MultiplesIDR 4,647
Asset-BasedIDR 1,535
Economic ProfitIDR 4,267

4 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Avanza Bank Holding AB (publ)
Bear SEK 107Fair Value SEK 143Bull SEK 179
SEK 401 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 3,478Fair Value IDR 4,637Bull IDR 5,796
IDR 6,375 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Avanza Bank Holding AB (publ) · Financials

Quality score57 · above median
Fair value upside-64% · bottom 25%

Bank Central Asia Tbk · Financials

Quality score64 · Top 25%
Fair value upside-27% · below median

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Avanza Bank Holding AB (publ) trades at SEK 401 versus a fair value of SEK 143 (-64%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 4,637 (-27%).

Bank Central Asia Tbk has the higher quality score (64/100).

See the full analysis →
Avanza Bank Holding AB (publ) · Bank Central Asia Tbk

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.