Bank Rakyat Indonesia Persero (BBRI) Fair Value & Analysis
Financial Services · ID · Market cap 447T IDR (≈ $44.7B) · ISIN ID1000118201
What is Bank Rakyat Indonesia Persero really worth?
A solid business, trading 11% below our fair value of 3,792 IDR.
Strengths
Risks
For context
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from 4,891 IDR to 3,792 IDR (−22.5%) since Jul 19, 2026. Share price +12.3% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
- 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 13, 2026.
How to read this chart
60‑month range 2,394 IDR – 5,213 IDR · fair‑value band 2,844 IDR – 4,740 IDR · the 3,390 IDR price screens below the 3,792 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Bank Rakyat Indonesia Persero (BBRI) currently trades at 3,390 IDR, while our model-based Fair Value estimate is 3,792 IDR, implying the stock looks roughly 10.6% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 3,400 IDR per share, and 2 of the 4 models we run sit above the 3,390 IDR price. Bear case: the Asset-Based group reads lowest at 1,442 IDR, and 2 of the 4 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, Bank Rakyat Indonesia Persero generated revenue of 145T IDR at a net margin of 40.2%. Revenue grew 16.3% year over year. It earns a return on equity of 18.1%. Net debt stands at 144T IDR. Fundamentals as of Aug 13, 2026
Our scenario range runs from 2,844 IDR (bear case) to 4,740 IDR (bull case); at 3,390 IDR, the current price sits within 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 12% below its 52-week high and 31% 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 12%, BBRI screens cheaper 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 14.74 IDR per share, which is 0.4 % 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 (3,400 IDR) versus Asset-Based (1,442 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 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 58 · Market factors (momentum, volatility) 54
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 Rakyat Indonesia (Persero) Tbk provides various banking products and services in Indonesia and internationally. The company offers savings and current accounts; time, foreign currency time, and on-call deposits; mortgage, working capital, investment, franchise, and cash collateral loans, as well as supply and value chain financing and bank …
Full company description
PT Bank Rakyat Indonesia (Persero) Tbk provides various banking products and services in Indonesia and internationally. The company offers savings and current accounts; time, foreign currency time, and on-call deposits; mortgage, working capital, investment, franchise, and cash collateral loans, as well as supply and value chain financing and bank guarantees; and microphone, small and medium, and program loans. It also provides bill payment, deposit, online transaction, remittance, money transfer, business, financial, institutional, treasury and global, custodian, trustee, and cash management services. In addition, the company offers investment products and services; trade finance and services, and transaction banking services, including import and export, standby L/C, money changer, BRI RTE online system services, as well as letters of credit; credit cards; and wealth management, merchant, and digital banking services. Further, it provides life and general insurance, securities underwriting and brokerage, and venture capital services. PT Bank Rakyat Indonesia (Persero) Tbk was founded in 1895 and is headquartered in Jakarta, Indonesia. PT Bank Rakyat Indonesia (Persero) Tbk operates as a subsidiary of PT Danantara Asset Management (Persero).
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bank Rakyat Indonesia Persero reported revenue of 310T IDR in FY2025 versus 176T IDR in FY2021, a compound +15.2%/yr. Reported net income was 56.7T IDR in FY2025, compounding +14.1%/yr from FY2021.
of which total revenue +10.5 % · buybacks/dilution −2.2 %
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).
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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.
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 13, 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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