PT Bank Central Asia Tbk.

Overview

BBCA Overview

PT Bank Central Asia Tbk (the Bank) is an Indonesia-based commercial bank. The Bank’s segments include Transaction Banking, Corporate Banking, Commercial & Small & Medium Enterprise (SME) Banking, Individual Banking, and Treasury and International Banking. The Bank offers various products and services, which include cash management services, credit cards, bancassurance products, mutual fund investment products, treasury investment products, credit facilities, standby letter of credit/bank guarantees, export import facilities, local letter of credit and foreign exchange facilities. It has operations in Sumatera, Java, Kalimantan, East Indonesia and Overseas operations. Its subsidiaries include PT BCA Finance, BCA Finance Limited, PT Bank BCA Syariah, PT BCA Sekuritas, PT Asuransi Umum BCA, PT BCA Multi Finance, PT Asuransi Jiwa BCA, PT Central Capital Ventura and PT Bank Digital BCA.

2468101214ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: BBCA

Main
Market Cap.
IDR 1,245.08Trillion
#1 in Indonesia

~$76.45B USD

Industry
Banks
Sub-Industry
Banks
Sector
Financials
Sub-Sector

Valuation

BBCA Valuation Metrics

10,100

IDR
+3.1%

Closing Price on 2024-07-18

Price to Equity

25.60

P/E

At 25.60x P/E TTM, BBCA.JK is trading at a premium to its peers in the Banks sector (avg 15.7x).

Price to Book

5.14

P/B

At 5.14x P/B TTM, BBCA.JK is trading at a premium to its peers in the Banks sector (avg 0.8x).

Price to Sales

12.22

P/S

At 12.22x P/S TTM, BBCA.JK is trading at a premium to its peers in the Banks sector (avg 3.6x).

Valuing PT Bank Central Asia Tbk. based on its trailing twelve months (TTM) valuation metrics against its peers in the Banks sector

Historical Price to Earnings

Other Valuation Metrics

Valuing PT Bank Central Asia Tbk. relative to other stocks in the Banks sector

Price/Cash Flow21.42x
Price/Forward Earnings21.26x
PEG Ratio6.89x

Intrinsic Value

Last closing: IDR10,1002024-07-18
IDR 3.17

Considerably Lower Intrinsic Value: Analyst's intrinsic value is of BBCA is IDR3, which is 99% lower than BBCA's last closing price of IDR10,100 (as of 2024-07-18).

Valuation Recap of BBCA stock
WeightNotesScore
High
The P/E ratio is calculated by dividing the market price of a company's stock by its earnings per share (EPS). It is a key tool for investors and analysts to assess whether a stock is overvalued, undervalued, or fairly valued. A P/E ratio of 25.60x is above the ID market average of 8.44x and is trading at a premium to peers in the Banks sector (15.68x).

High
The P/B ratio is calculated by dividing the market price of a company's stock by its book value per share (BVPS). It measures the company's stock value relative to its assets minus liabilities. A P/B ratio of 5.14x is above the peers average of 0.81x in the Banks sector. BBCA trades at a higher P/B ratio than >75% of its peers in the Banks sector.

Medium
The P/S ratio is calculated by dividing the market price of a company's stock by its sales per share. It measures the company's stock value relative to its sales. A P/S ratio of 12.22x is above the peers average of 3.57x in the Banks sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of BBCA's valuation relative to its current sales and future earnings growth. BBCA trades at a Forward P/E ratio of 21.26x, which is considered richly valued by analysts.

Low
The Price/Cash Flow ratio (P/CF) is calculated by dividing the market price of a company's stock by its cash flow per share. It measures the company's stock value relative to its cash flow, and is sometimes said to be a more objective measure of a company's value because cash flows cannot be manipulated as easily as earnings, which considers non-cash items such as depreciation and amortization. BBCA's P/CF ratio of 21.42x is considered a relatively high ratio by analysts.

Medium
Considerably Lower Intrinsic Value: Analyst's intrinsic value is of BBCA is IDR 3.17, which is 99% lower than BBCA's last closing price of IDR 10,100.00.

Peers

BBCA Peers and Comparison

Peer Companies

Supertype Fuzzy Search
SymbolCompany Name
Market Cap
(in Trillion IDR)
Total Assets
(in Trillion IDR)
Total Revenue
(in Trillion IDR)
Profit and Loss
(in Trillion IDR)
P/E
P/B
BBCAPT Bank Central Asia Tbk.1,245.08T1,408.11T 101.91T 48.64T 25.605.14
BBRIPT Bank Rakyat Indonesia (Persero) Tbk738.88T1,989.07T 178.91T 59.88T 12.342.52
BMRIPT Bank Mandiri (Persero) Tbk611.33T2,174.22T 123.24T 55.06T 11.102.34
BBNIPT Bank Negara Indonesia (Persero) Tbk189.03T1,066.72T 60.27T 21.08T 8.971.30
BRISPT Bank Syariah Indonesia Tbk113.02T357.90T 19.39T 5.91T 19.132.79
SMMAPT Sinar Mas Multiartha Tbk92.97T116.18T 25.19T 0.45T 207.773.97
DNETPT Indoritel Makmur Internasional Tbk.70.21T20.44T 1.40T 0.58T 120.885.44
MEGABank Mega Tbk58.70T126.53T 7.85T 3.60T 16.322.94
BNGAPT Bank CIMB Niaga Tbk44.76T332.99T 19.03T 6.58T 6.800.87
BNLIBank Permata Tbk33.47T252.84T 11.97T 2.95T 11.350.82
Competitiveness Recap of BBCA stock
WeightNotesScore
High
At a market cap of IDR 1,245,077.46 billion, BBCA.JK ranks 1 in Market Cap out of 10 companies in the Financials sector.

High
At a PE of 25.60, BBCA.JK ranks 3 out of 10 companies in the Financials sector for P/E value. The average PE is 44.03 (unadjusted). A high P/E ratio often indicates higher growth expectation, or other qualitative factors that led investors to believe that the company has a defensible competitive advantage compared to its peers in Financials. In this regard, it trails behind sector leaders such as PT Sinar Mas Multiartha Tbk (207.77) in the Financials sector.

Medium
At a PE of 25.60, BBCA.JK is trading at a higher PE than that of its subsector peers in Banks (median of 15.68). false

Medium
At a revenue of IDR 101.91 trillion, BBCA.JK ranks 3 in Revenue out of 10 companies in the Financials sector.

Medium
At a profit of IDR 48.64 trillion, BBCA.JK ranks 3 in Profit out of 10 companies in the Financials sector.

Future

Future Growth of BBCA

Growth Forecasts

Analyst Ratings

Based on ratings from 22 analysts for BBCA over the past 3 months.

Strong Buy

Strong Buy

81.8%

Buy

9.1%

Hold

9.1%

Sell

0.0%

Strong Sell

0.0%

Last Update: 2024-07-10

Sector Benchmark

Banks companies in Indonesia are growing at a projected rate of 16.22% against the IDX average of +13.8%.

Banks sector overview

BBCA Earnings & Revenue Forecast

All values in IDR billion

Future growth prospect of BBCA
WeightNotesScore
High
BBCA's projected growth rate of 16.22% is above the ID market average of 13.82%.

High
The Banks sub-sector is projected to grow revenue by 24.55% in 2025. This number is higher than the previous year 2024's growth rate of 13.15%. This bodes well for BBCA's revenue growth prospects in the next 2 years.

Medium
The Banks sub-sector is projected to increase earnings by 15.70% in 2025. This number is higher than the previous year 2024's EPS growth of 4.63%. This bodes well for BBCA's earnings growth prospects in the next 2 years.

Medium
BBCA and its peers in the Banks sub-sector belongs to the Financials sector. Companies in the Financials sector are projected to have a fruitful year heading into 2025. Specifically, earnings are projected to increase by 15.70% in 2025 while revenue growth is projected to increase by 24.44%. These macroeconomic trends will likely be a tailwind for BBCA's earnings growth prospects in the next 2 years.

Technical

Daily Technical Ratings of BBCA

Oscillators

Sell

Sell

2

Neutral

9

Buy

0

Summary

Buy

Sell

3

Neutral

10

Buy

13

Moving Averages

Strong Buy

Sell

1

Neutral

1

Buy

13

Summary

Technical Ratings of BBCA
IndicatorSummarySellNeutralBuy
SummaryBuy31013
OscillatorsSell290
Moving AveragesStrong Buy1113

Last Update: 2024-07-19

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Management

Executive Management

President Director

Jahja Setiaatmadja15.2 years

Vice President Director

Armand Wahyudi Hartono15.4 years
Tan Ho Hien/Subur Atau Dipanggil Subur TanDirector
Rudy SusantoDirector
Lianawaty SuwonoDirector
SantosoDirector
Vera Eve LimDirector
Haryanto Tiara BudimanDirector
Frengky Chandra KusumaDirector
John KosasihDirector
Antonius Widodo MulyonoDirector
NamePositionShares%Stock Value
(in Billion IDR)
Antonius Widodo MulyonoDirector262,511< 0.012.65B
Armand Wahyudi HartonoVice President Director4,256,065< 0.0142.99B
Djohan Emir SetijosoPresident Commissioner106,824,8450.091,078.93B
Frengky Chandra KusumaDirector2,107,984< 0.0121.29B
Gregory Hendra LembongVice President Director1,175,047< 0.0111.87B
Haryanto Tiara BudimanDirector776,099< 0.017.84B
Jahja SetiaatmadjaPresident Director33,850,7850.03341.89B
John KosasihDirector731,076< 0.017.38B
Lianawaty SuwonoDirector2,264,685< 0.0122.87B
Rudy SusantoDirector2,908,127< 0.0129.37B
SantosoDirector2,690,902< 0.0127.18B
Tonny KusnadiCommissioner7,269,681< 0.0173.42B
Vera Eve LimDirector2,212,324< 0.0122.34B

Ownership

BBCA Ownership

NameNumber of SharesOwnership (%)Value
Pt Dwimuria Investama Andalan67,729,950,00054.94684,072.50B
Public (Scripless)52,273,678,31742.4527,964.15B
Pihak Afiliasi Pengendali3,026,977,5002.4630,572.47B
Djohan Emir Setijoso106,824,8450.091,078.93B
Jahja Setiaatmadja33,850,7850.03341.89B
Robert Budi Hartono28,135,0000.02284.16B
Bambang Hartono27,025,0000.02272.95B
Tonny Kusnadi7,269,6810.0173.42B
Public (Scrip)11,243,8800.01113.56B
Tan Ho Hien/Subur Disebut Juga Subur Tan10,710,1720.01108.17B

Largest Institutional Buy

Capital Research and Management Company
Bought 31-01-2024
+324,179,500 shares
Capital Group
Bought 31-01-2024
+118,008,800 shares
Hartford Funds Management Company, LLC
Bought 31-01-2024
+101,236,652 shares

Largest Institutional Sell

JPMorgan Asset Management Inc
Sold 31-01-2024
-143,978,200 shares
Hermes Investment Management Ltd
Sold 31-01-2024
-73,843,600 shares
Calvert Research and Management
Sold 31-01-2024
-42,874,600 shares

Institutional Transactions

Tracking institutional transactions buying / selling of BBCA stock

Sustainability

Environmental, Social, and Governance (ESG) Risk Assessment

The ESG Risk Ratings measure BBCA's exposure to industry-specific material ESG risks and how well BBCA is managing those risks.

ESG Risk Rating

10
20
30
40
0
100

21.7

Medium Risk

Negligible

Low

Medium

High

Severe

ESG Risk Ranking among Banks Peers

1st rank = lowest risk

335

/ 1,051 peers worldwide

Global ESG Risk Ranking

5,940

/ 16,216 all companies worldwide

Top Material ESG Issues

  • Product Governance
  • Data Privacy and Cybersecurity
  • Corporate Governance
  • Business Ethics

Last Full Update: 2023-10-23

Last Update: 2024-06-22

Source: Sustainalytics, Inc.

BBCA Filings

No noteworthy filings to report on

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