Bank Central Asia (BBCA.JK)

Financials · IDX · Indonesia

Rp6,325.00+0.80% today

Fundamentals

Market capRp758.76T

P/E ratio13.1

Dividend yield5.77%

Revenue growth (YoY)+2.5%

Profit margin53.5%

Return on equity23.0%

52-week rangeRp4,820.00 to Rp8,975.00

Next earnings2026-07-22

Valuation and ratings

DCF fair valueRp6,619.66

Upside to fair value+4.7%

Analyst target (mean)Rp8,358.00

Analyst rangeRp5,500.00 to Rp10,900.00

Analysts covering24

Consensus viewstrong buy

Moat score57/100

Overall rating61/100, Buy

Bank Central Asia trades at Rp6,325.00, close to the Rp6,619.66 our discounted cash flow model puts on the business. On this measure the market and the model broadly agree, so the interesting question is which of them is wrong.

Our moat model scores it 57 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.

It changes hands at 13.1 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.

About Bank Central Asia

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.

Industry: Banks - RegionalEmployees: 27,682HQ: Indonesia

BBCA.JK passes 6 of our 30 screens today

Each screen prints the exact criteria it used, and the circumstances in which it is wrong.

Dividend powerhouses

Yields above 3%, filtered for the one thing yield screens never check: whether the company can actually afford it.

High return on equity, low debt

A high ROE is easy to fake with borrowing. This screen demands the return without the leverage, which is a much shorter list.

Fortress balance sheets

Companies that owe almost nothing. They will survive things that kill their competitors, and they can buy the wreckage afterwards.

High margin machines

Companies that keep an unusually large share of every pound they sell. That is pricing power made visible.

Banks and financials

Almost everything you know about valuation breaks on a bank. Debt is the raw material, and the loan book is where they die.

Dividend aristocrats

Companies with long, unbroken records of raising their dividend. The record is the point: it is evidence, not a promise.

Common questions

Is Bank Central Asia (BBCA.JK) undervalued?

Against our discounted cash flow estimate of Rp6,619.66, BBCA.JK at Rp6,325.00 is 5% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.

What is BBCA.JK's P/E ratio?

BBCA.JK trades at 13.1 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.

The full research page for BBCA.JK, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.

Open BBCA.JK in the app Free guides and screens

Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.