Bank Central Asia Tbk vs KB Financial: Fair Value & Quality
Both stocks run through our valuation models. Here is how Bank Central Asia Tbk (BBCA) and KB Financial (105560) compare, as of Aug 14, 2026.
As of Aug 14, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Central Asia Tbk trades at IDR 6,350 versus a fair value of IDR 4,637 (-27%), while KB Financial trades at KRW 168,500 versus KRW 220,258 (+31%).
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-27%
upside to fair value
overvalued
PriceIDR 6,350
Fair ValueIDR 4,637
Quality64/100
KB Financial
105560.KO · KRW · Financials
+31%
upside to fair value
undervalued
PriceKRW 168,500
Fair ValueKRW 220,258
Quality61/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Bank Central Asia TbkKB Financial
Valuation
13.1×P/E (TTM)—
6.99×P/S (TTM)—
2.70×P/B—
9.0×EV/EBITDA12.3×
2.86×PEG0.74×
5.4%Dividend yield2.7%
IDR 336Dividend per shareKRW 4,598
Profitability
53%Net margin37%
68%Operating margin61%
23%Return on equity10%
4%Return on assets1%
Growth
3%Revenue growth (YoY)15%
9.3%Avg. growth/yr (3Y)8.4%
10.2%Avg. growth/yr (5Y)7.1%
Balance & size
—Debt / equity2.21×
$76BMarket cap$46B
healthyGrowth qualityhealthy
Bank Central Asia Tbk leads: 8 to 2 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.
Bank Central Asia Tbkof which business quality 57 · market factors 43KB Financialof which business quality 54 · market factors 72
ProfitabilityMargins and returns on capital today
45
37
Quality GrowthAre margins and returns improving?
46
60
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
75
80
Low VolatilityCalm price path (market factor)
79
65
MomentumPrice trend over the last 3–12 months (market factor)
29
71
52W MomentumDistance to the 52-week high (market factor)
26
83
Net IssuanceBuybacks instead of dilution
82
100
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.
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.
KB Financial
Dividend DiscountKRW 68,945
MultiplesKRW 223,434
Asset-BasedKRW 111,541
Economic ProfitKRW 165,559
4 of 6 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.
Bank Central Asia Tbk
Bear IDR 3,478Fair Value IDR 4,637Bull IDR 5,796
IDR 6,350 = current price (white tick)
KB Financial
Bear KRW 165,193Fair Value KRW 220,258Bull KRW 275,322
KRW 168,500 = current price (white tick)
Compare two other stocks
Tap a field and type again, ticker or company name.
Free, no sign-up
Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Bank Central Asia Tbk · Financials
Quality score64 · Top 25%
Fair value upside-27% · below median
KB Financial · Financials
Quality score61 · above median
Fair value upside+31% · above median
Bottom line
As of Aug 14, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Central Asia Tbk trades at IDR 6,350 versus a fair value of IDR 4,637 (-27%), while KB Financial trades at KRW 168,500 versus KRW 220,258 (+31%).
Bank Central Asia Tbk has the higher quality score (64/100).
Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.
A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
