Bank Central Asia Tbk (BBCA) Fair Value & Analysis
Financial Services · ID · Market cap 759T IDR (≈ $75.9B) · ISIN ID1000109507
What is Bank Central Asia Tbk really worth?
A solid business, but trading 44% above our fair value of 4,637 IDR.
Strengths
Risks
For context
Fair value as of: Aug 28, 2026
From 4 valuation models · updated 8 days ago
Share price +3.9% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (5,796 IDR). The favourable scenario is already priced in.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 28, 2026.
How to read this chart
60‑month range 4,835 IDR – 10,029 IDR · fair‑value band 3,478 IDR – 5,796 IDR · the 6,700 IDR price screens above the 4,637 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 28, 2026.
Analysis
Bank Central Asia Tbk (BBCA) currently trades at 6,700 IDR, while our model-based Fair Value estimate is 4,637 IDR, implying the stock looks roughly 44.5% overvalued today. The Quality Score stands at 67/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 4,267 IDR per share, and 0 of the 4 models we run sit above the 6,700 IDR price. Bear case: the Asset-Based group reads lowest at 1,535 IDR, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, Bank Central Asia Tbk generated revenue of 109T IDR at a net margin of 53.5%. Revenue grew 2.5% year over year. It earns a return on equity of 23.0%. The balance sheet holds a net cash position of 88.5T IDR. Fundamentals as of Aug 28, 2026
Our scenario range runs from 3,478 IDR (bear case) to 5,796 IDR (bull case); at 6,700 IDR, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 23% below its 52-week high and 38% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −31%, BBCA screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 98.22 IDR per share, which is 2.1 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Economic Profit (4,267 IDR) versus Asset-Based (1,535 IDR). Highest evidence: Residual Income (64).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 50
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
PT Bank Central Asia Tbk provides commercial banking and other financial services. The company offers time deposits, e- deposits, spinning, Dana Lander accounts, customer accounts, gold stage; loans, such as business, investment credit, securities collateral, multipurpose business, trade finance, business place loans; credit cards; and investment, including …
Full company description
PT Bank Central Asia Tbk provides commercial banking and other financial services. The company offers time deposits, e- deposits, spinning, Dana Lander accounts, customer accounts, gold stage; loans, such as business, investment credit, securities collateral, multipurpose business, trade finance, business place loans; credit cards; and investment, including mutual funds, and bond and secondary SBN. The company also provides collection account opening, remittance, trade finance, tresuries and custodians, transaction banking, electronic banking, cash management, bank assurance, credit facilities, bank guarantees, export-import facilities, and foreign exchange facilities. In addition, the company offers investment financing, working capital financing, multipurpose financing, operating leases, and other financing activities; Sharia banking; securities brokerage dealer and underwriter for issuance of securities; general or loss insurance; life insurance; and venture capital services. PT Bank Central Asia Tbk was founded in 1955 and is headquartered in Jakarta, Indonesia. PT Bank Central Asia Tbk is a subsidiary of PT Dwimuria Investama Andalan.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bank Central Asia Tbk reported revenue of 125T IDR in FY2025 versus 80.1T IDR in FY2021, a compound +11.7%/yr. Reported net income was 57.5T IDR in FY2025, compounding +16.3%/yr from FY2021.
of which total revenue +10.4 % · buybacks/dilution +0.0 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
BBCA screens 44% overvalued. Compare with DBS Group →
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 28, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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