PT Krom Bank Indonesia Tbk

bbsi

Overview

BBSI Overview

PT Krom Bank Indonesia Tbk (the Bank) is an Indonesia-based company, which provides digital banking services. It offers digital banking services through its platform, Krom. Krom offers financial needs. It offers financial needs as per starting from the allocation of daily needs, short term plans, to future plans. Its main savings allow customers to conduct transactions, from topping up balances to paying bills. It provides online transfers, anytime, anywhere. It also offers free transfers to any bank, free up to 30x per month. Krom creates up to 20 savings for various needs.

2468101214ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: BBSI

Development
Market Cap.
IDR 17.27Trillion

~$1.09B USD

Industry
Banks
Sub-Industry
Banks
Sector
Financials
Sub-Sector

Valuation

BBSI Valuation Metrics

4,700

IDR

Closing Price on 2024-04-05

Price to Equity

154.52

P/E

At 154.52x P/E TTM, BBSI.JK is trading at a premium to its peers in the Banks sector (avg 13.8x).

Price to Book

5.46

P/B

At 5.46x P/B TTM, BBSI.JK is trading at a premium to its peers in the Banks sector (avg 0.9x).

Price to Sales

63.21

P/S

At 63.21x P/S TTM, BBSI.JK is trading at a premium to its peers in the Banks sector (avg 3.6x).

Valuing PT Krom Bank Indonesia 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 Krom Bank Indonesia Tbk relative to other stocks in the Banks sector

Price/Cash Flow
104.86x
Price/Forward Earnings
-
PEG Ratio
1.40x

Analyst Ratings

No analyst ratings available yet.

Valuation Recap of BBSI 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 154.52x is above the ID market average of 8.22x and is trading at a premium to peers in the Banks sector (13.79x). In fact, less than 25% of its peers trade at a higher P/E ratio than BBSI.
Max 3
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 5.46x is above the peers average of 0.88x in the Banks sector. BBSI trades at a higher P/B ratio than >75% of its peers in the Banks sector.
Max 3
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 63.21x is above the peers average of 3.61x in the Banks sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of BBSI's valuation relative to its current sales and future earnings growth.
Max 2
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. BBSI's P/CF ratio of 104.86x is considered a relatively high ratio by analysts.
Max 2

Peers

BBSI 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.1,211.18T1,381.45T 98.47T 48.20T 25.135.14
BBRIPT Bank Rakyat Indonesia (Persero) Tbk851.97T1,851.96T 175.51T 56.01T 15.212.78
BMRIPT Bank Mandiri (Persero) Tbk637.00T2,007.16T 135.73T 49.58T 12.852.62
BBNIPT Bank Negara Indonesia (Persero) Tbk197.25T1,086.66T 61.51T 20.91T 9.431.31
BRISPT Bank Syariah Indonesia Tbk124.55T319.85T 19.34T 5.26T 23.703.35
SMMAPT Sinar Mas Multiartha Tbk92.97T106.59T 28.35T 1.10T 84.384.30
DNETPT Indoritel Makmur Internasional Tbk.64.54T20.17T 1.41T 0.95T 68.095.07
MEGABank Mega Tbk60.47T132.12T 7.81T 3.51T 17.222.78
BNGAPT Bank CIMB Niaga Tbk52.37T329.13T 18.53T 6.10T 8.581.11
ARTOPT Bank Jago Tbk.35.84T19.13T 1.74T 0.03T 1398.304.30
Competitiveness Recap of BBSI stock
WeightNotesScore
High
At a market cap of IDR 17,271.18 billion, BBSI.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.
Max 2
High
At a PE of 154.52, BBSI.JK ranks 1 out of 10 companies in the Financials sector for P/E value. The average PE is 41.91 (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. false●●
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Medium
At a PE of 154.52, BBSI.JK is trading at a higher PE than that of its subsector peers in Banks (median of 13.79). false●●
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Medium
At a revenue of IDR 0.27 trillion, BBSI.JK ranks 10 in Revenue out of 10 companies in the Financials sector.
Max 2
Medium
At a profit of IDR 0.11 trillion, BBSI.JK ranks 10 in Profit out of 10 companies in the Financials sector.
Max 2

Future

Future Growth of BBSI

Growth Forecasts

No data available

Sector Benchmark

Banks companies in Indonesia are growing at a projected rate of 14.60% against the IDX average of +12.0%.

Banks sector overview
No data is available for BBSI at the moment.
Future growth prospect of BBSI
WeightNotesScore
High
BBSI's projected growth rate of 14.60% is above the ID market average of 11.98%.●●●
Max 3
High
The Banks sub-sector is projected to grow revenue by 33.80% in 2024. This number is higher than the previous year 2023's growth rate of 13.91%. This bodes well for BBSI's revenue growth prospects in the next 2 years. ●●●
Max 3
Medium
The Banks sub-sector is projected to increase earnings by 80.01% in 2024. This number is higher than the previous year 2023's EPS growth of 35.28%. This bodes well for BBSI's earnings growth prospects in the next 2 years. ●●●
Max 3
Medium
BBSI 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 2024. Specifically, earnings are projected to increase by 75.53% in 2024 while revenue growth is projected to increase by 32.25%. These macroeconomic trends will likely be a tailwind for BBSI's earnings growth prospects in the next 2 years. ●●●
Max 3
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Management

Executive Management

President Director

Laniwati Tjandra15.2 years
Alvin James Kurniawan
Director
Wisaksana Djawi
Director
NamePositionShares%
No data is available for BBSI at the moment.
Expressed in millions IDR, unless otherwise stated

Ownership

BBSI Ownership

Others
10.19%
Insiders
89.81%
Institutions
0%
NameNumber of SharesOwnership (%)Value
Pt Finaccel Teknologi Indonesia2,756,042,4777512,953.40B
Public (Scripless)382,794,43510.421,799.13B
Sundjono Suriadi180,471,0774.91848.21B
Pt Sun Land Investama167,003,9674.55784.92B
Pt Sun Antarnusa Investment163,632,3524.45769.07B
Public (Scrip)24,778,9930.67116.46B
No data is available for BBSI at the moment.