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PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

PT Bank Rakyat Indonesia (Persero) Tbk

BBRIMarket cap $26BPrice $0.2

Country🇮🇩Indonesia

SectorFinancials

IndustryBanks

Lends money to Indonesia's small businesses and rural communities through the world's largest microfinance network, serving over 120 million customers via 8,000+ branches. It's the bank that brought banking to villages where no other lender would go.

In Bastion Portfolios?

52W Return-8%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+1%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+6%–

Rev CAGR (5y)+5%4

Earnings Forecast

EPS Growth Y+1-2%3

EPS Growth Y+2+8%6

EPS Growth Y+3+11%7

Quality

Margins

EBIT Margin0%8

Net Income Margin42%10

Free Cash Flow Margin-65%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE19%8

ROA3%4

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)810

P/E Ratio (Forward 3y)710

P/BV1.58

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-8%3

3 month return+9%8

YTD return-10%3

Mid term

Price vs 52wHigh84%6

1 year return-7%4

Long term

3 year return-24%2

5 year return+6%4

Risk Shield

Price Risk

Beta0.67

Volatility31%7

Free Cash Flow

Free Cash Flow Margin-65%1

Free Cash Flow Yield0.0%10

Quality

ROCE13%4

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

BBRIPT Bank Rakyat Indonesia (Persero) Tbk

Revenue FY25$8.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-2%3

EPS growth, FY27E+8%6

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 1%/yr over the last 3 years and is set to grow 6%/yr from here.

WATCH

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 6%/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: a business that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

BBRIPT Bank Rakyat Indonesia (Persero) Tbk

Total return Current48.0%

Price return Current1.7%

MOMENTUM RATING↗

AVERAGE36 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%3

3-month return+9%8

YTD return-10%3

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return-7%4

3-year return-24%2

5-year return+6%4

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+9%).

WATCH

It's down 7% over the past year, now 16% below its 52-week high. That is right in line with the market.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-24% over three years and +6.1% over five), behind 70% of the market.

The stock is underperforming over the past month (-8%) and so far this year (-10%).

BOTTOM LINE

Weak Tape

Returns across short and long horizons rank poorly versus the market. Momentum offers no support here; the case has to come from other factors. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Bank Rakyat (BRI). Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

BBRIPT Bank Rakyat Indonesia (Persero) Tbk

Revenue FY25$8.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-2%3

EPS growth, FY27E+8%6

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 1%/yr over the last 3 years and is set to grow 6%/yr from here.

WATCH

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 6%/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: a business that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

BBRIPT Bank Rakyat Indonesia (Persero) Tbk

Total return Current48.0%

Price return Current1.7%

MOMENTUM RATING↗

AVERAGE36 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%3

3-month return+9%8

YTD return-10%3

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return-7%4

3-year return-24%2

5-year return+6%4

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+9%).

WATCH

It's down 7% over the past year, now 16% below its 52-week high. That is right in line with the market.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-24% over three years and +6.1% over five), behind 70% of the market.

The stock is underperforming over the past month (-8%) and so far this year (-10%).

BOTTOM LINE

Weak Tape

Returns across short and long horizons rank poorly versus the market. Momentum offers no support here; the case has to come from other factors. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Bank Rakyat (BRI). 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