PT Bank JTrust Indonesia Tbk.

bcic

Overview

BCIC Overview

PT Bank JTrust Indonesia Tbk (the Bank) is an Indonesia-based banking company. The Bank’s segments include Retail Funding, Loan and Export Import, and Treasury. Its products and services include loan products, which include mortgage loan (KPR), unsecured loan (KTA), working capital loan, term installment loan, agricultural equipment and machinery investment credit; deposit products and technology based services, which include savings, technology-based services, demand deposit in rupiah and forex, term deposit in rupiah and forex, and bancassurance products from insurance providers; treasury, which includes banknotes transaction, general foreign exchange transaction and securities or fixed income securities (SB/FIS), and other services, which include bank guarantee, tender bond, advance payment bond, performance bond and maintenance bond, which includes shipping guarantee, bank reference, letter of credit, buy and sell of foreign exchange, clearing, safe deposit box and others.

2468101214ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: BCIC

Development
Market Cap.
IDR 1.87Trillion

~$117.62M USD

Industry
Banks
Sub-Industry
Banks
Sector
Financials
Sub-Sector

Valuation

BCIC Valuation Metrics

103

IDR

Closing Price on 2024-04-05

Price to Equity

16.52

P/E

At 16.52x P/E TTM, BCIC.JK is trading at a premium to its peers in the Banks sector (avg 13.8x).

Price to Book

0.66

P/B

At 0.66x P/B TTM, BCIC.JK is trading at a discount to its peers in the Banks sector.

Price to Sales

2.25

P/S

At 2.25x P/S TTM, BCIC.JK is trading at a discount to its peers in the Banks sector.

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

Price/Cash Flow
2.54x
Price/Forward Earnings
-
PEG Ratio
-0.24x

Analyst Ratings

No analyst ratings available yet.

Valuation Recap of BCIC 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 16.52x is above the ID market average of 8.22x and is trading at a premium to peers in the Banks sector (13.79x).
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 0.66x is similar to the peers average of 0.88x 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 2.25x is below 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 BCIC'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. BCIC's P/CF ratio of 2.54x is considered healthy by analysts.●●
Max 2

Peers

BCIC 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 BCIC stock
WeightNotesScore
High
At a market cap of IDR 1,865.32 billion, BCIC.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.
Max 2
High
At a PE of 16.52, BCIC.JK ranks 6 out of 10 companies in the Financials sector for P/E value. The average PE is 28.11 (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 (84.38) in the Financials sector.
Max 2
Medium
At a PE of 16.52, BCIC.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 0.83 trillion, BCIC.JK ranks 10 in Revenue out of 10 companies in the Financials sector.
Max 2
Medium
At a profit of IDR 0.11 trillion, BCIC.JK ranks 10 in Profit out of 10 companies in the Financials sector.
Max 2

Future

Future Growth of BCIC

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 BCIC at the moment.
Future growth prospect of BCIC
WeightNotesScore
High
BCIC'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 BCIC'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 BCIC's earnings growth prospects in the next 2 years. ●●●
Max 3
Medium
BCIC 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 BCIC's earnings growth prospects in the next 2 years. ●●●
Max 3
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Management

Executive Management

President Director

Ritsuo Fukadai 15.2 years

Vice President Director

Masayoshi Kobayashi15.4 years
Felix Istyono Hartadi Tiono
Director
Helmi Arief Hidayat
Director
Cho Won June
Director
R. Djoko Prayitno
Director
Widjaja Hendra
Director
NamePositionShares%
No data is available for BCIC at the moment.
Expressed in millions IDR, unless otherwise stated

Ownership

BCIC Ownership

Others
0.05%
Insiders
97.25%
Institutions
2.7%
NameNumber of SharesOwnership (%)Value
J Trust Co., Ltd.13,430,561,63174.161,383.35B
J Trust Asia Pte. Ltd.3,498,381,98919.32360.33B
Public (Scripless)768,734,9734.2479.18B
Pt Jtrust Investment Indonesia412,242,4582.2842.46B
No data is available for BCIC at the moment.