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PT Bank Central Asia Tbk (BBCA) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

PT Bank Central Asia Tbk

BBCAMarket cap $42BPrice $0.3

Country🇮🇩Indonesia

SectorFinancials

IndustryBanks

PT Bank Central Asia operates Indonesia's largest private bank, serving 28 million customers through 1,200+ branches. Controls nearly 20% of Indonesia's private banking market and processes more digital transactions than any other Indonesian bank.

In Bastion Portfolios?

52W Return-21%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+9%–

Rev CAGR (5y)+6%5

Earnings Forecast

EPS Growth Y+1-2%3

EPS Growth Y+2+9%6

EPS Growth Y+3+9%6

Quality

Margins

EBIT Margin0%8

Net Income Margin53%10

Free Cash Flow Margin-22%2

Debt

Net Debt/EBITDAna–

Efficiency

ROE22%8

ROA4%5

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)107

P/BV2.85

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yieldna–

Momentum

Short term

1 month return-8%3

3 month return-3%5

YTD return-21%2

Mid term

Price vs 52wHigh73%4

1 year return-15%3

Long term

3 year return-24%2

5 year return+0%4

Risk Shield

Price Risk

Beta0.39

Volatility34%6

Free Cash Flow

Free Cash Flow Margin-22%2

Free Cash Flow Yield0.0%8

Quality

ROCE23%5

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

BBCAPT Bank Central Asia Tbk

Revenue FY25$6.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-2%3

EPS growth, FY27E+9%6

EPS growth, FY28E+9%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 9%/yr over the next 3 years, in line with the market.5/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 9%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 9%/yr vs revenue 9%/yr). One year dips: EPS falls 2% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

BBCAPT Bank Central Asia Tbk

Total return Current74.3%

Price return Current47.1%

MOMENTUM RATING↗

WEAK19 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%3

3-month return-3%5

YTD return-21%2

MID & LONG-TERM▾SCORE

% of 52-week high73%4

1-year return-15%3

3-year return-24%2

5-year return+0%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level over three months (-3%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-24% over three years and +0.1% over five), behind 70% of the market.

It's down 15% over the past year, now 27% below its 52-week high. That is a touch behind the market.

The stock is underperforming over the past month (-8%) and so far this year (-21%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on BCA. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

BBCAPT Bank Central Asia Tbk

Revenue FY25$6.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-2%3

EPS growth, FY27E+9%6

EPS growth, FY28E+9%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 9%/yr over the next 3 years, in line with the market.5/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 9%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 9%/yr vs revenue 9%/yr). One year dips: EPS falls 2% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

BBCAPT Bank Central Asia Tbk

Total return Current74.3%

Price return Current47.1%

MOMENTUM RATING↗

WEAK19 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%3

3-month return-3%5

YTD return-21%2

MID & LONG-TERM▾SCORE

% of 52-week high73%4

1-year return-15%3

3-year return-24%2

5-year return+0%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level over three months (-3%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-24% over three years and +0.1% over five), behind 70% of the market.

It's down 15% over the past year, now 27% below its 52-week high. That is a touch behind the market.

The stock is underperforming over the past month (-8%) and so far this year (-21%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on BCA. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community