PT Bank Central Asia Tbk Logo

PT Bank Central Asia Tbk

BBCA.JK

(3.2)
Stock Price

10.075 IDR

3.6% ROA

21.7% ROE

24.98x PER

Market Cap.

1.282.060.000.000.000 IDR

4.36% DER

2.6% Yield

46.59% NPM

PT Bank Central Asia Tbk Stock Analysis

PT Bank Central Asia Tbk Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

PT Bank Central Asia Tbk Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (21.58%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a minimal amount of debt (1%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

6 ROA

The stock's ROA (3.46%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

8 Buffet Intrinsic Value

The company's stock seems undervalued (21.831) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 PBV

The stock's high Price-to-Book Value (P/BV) ratio (4.98x) suggests it's overvalued, potentially making it an expensive investment.

10 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

PT Bank Central Asia Tbk Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

PT Bank Central Asia Tbk Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

PT Bank Central Asia Tbk Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

PT Bank Central Asia Tbk Revenue
Year Revenue Growth
2006 11.708.202.000.000
2007 12.425.488.000.000 5.77%
2008 14.895.245.000.000 16.58%
2009 19.202.134.000.000 22.43%
2010 20.629.394.000.000 6.92%
2011 24.142.639.000.000 14.55%
2012 28.247.344.000.000 14.53%
2013 34.390.067.000.000 17.86%
2014 41.910.722.000.000 17.94%
2015 48.776.714.000.000 14.08%
2016 54.743.742.000.000 10.9%
2017 57.925.379.000.000 5.49%
2018 64.464.796.000.000 10.14%
2019 72.968.338.000.000 11.65%
2020 76.706.444.000.000 4.87%
2021 80.139.976.000.000 4.28%
2022 89.523.508.000.000 10.48%
2023 102.419.368.000.000 12.59%
2023 101.914.664.000.000 -0.5%
2024 116.685.608.000.000 12.66%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

PT Bank Central Asia Tbk Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

PT Bank Central Asia Tbk General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 2.463.408.000.000
2007 2.880.871.000.000 14.49%
2008 3.332.376.000.000 13.55%
2009 4.066.016.000.000 18.04%
2010 4.795.466.000.000 15.21%
2011 -5.468.543.000.000 187.69%
2012 3.600.290.000.000 251.89%
2013 4.186.233.000.000 14%
2014 5.261.189.000.000 20.43%
2015 6.382.503.000.000 17.57%
2016 7.070.058.000.000 9.72%
2017 7.959.015.000.000 11.17%
2018 8.200.077.000.000 2.94%
2019 9.337.788.000.000 12.18%
2020 8.248.145.000.000 -13.21%
2021 8.799.170.000.000 6.26%
2022 9.930.531.000.000 11.39%
2023 12.430.204.000.000 20.11%
2023 10.867.561.000.000 -14.38%
2024 10.153.684.000.000 -7.03%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

PT Bank Central Asia Tbk EBITDA
Year EBITDA Growth
2006 13.734.869.000.000
2007 13.149.706.000.000 -4.45%
2008 14.664.876.000.000 10.33%
2009 16.976.520.000.000 13.62%
2010 18.377.043.000.000 7.62%
2011 21.350.426.000.000 13.93%
2012 22.494.683.000.000 5.09%
2013 25.968.975.000.000 13.38%
2014 32.813.112.000.000 20.86%
2015 34.473.134.000.000 4.82%
2016 36.817.879.000.000 6.37%
2017 41.769.251.000.000 11.85%
2018 45.026.902.000.000 7.23%
2019 38.299.692.000.000 -17.56%
2020 36.097.518.000.000 -6.1%
2021 41.270.864.000.000 12.54%
2022 59.121.953.000.000 30.19%
2023 63.941.456.000.000 7.54%
2023 63.563.524.000.000 -0.59%
2024 -9.176.000.000 692814.95%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

PT Bank Central Asia Tbk Gross Profit
Year Gross Profit Growth
2006 11.708.202.000.000
2007 12.425.488.000.000 5.77%
2008 14.895.245.000.000 16.58%
2009 19.202.134.000.000 22.43%
2010 20.629.394.000.000 6.92%
2011 24.142.639.000.000 14.55%
2012 28.247.344.000.000 14.53%
2013 34.390.067.000.000 17.86%
2014 41.910.722.000.000 17.94%
2015 48.776.714.000.000 14.08%
2016 54.743.742.000.000 10.9%
2017 57.925.379.000.000 5.49%
2018 64.464.796.000.000 10.14%
2019 72.968.338.000.000 11.65%
2020 76.706.444.000.000 4.87%
2021 80.139.976.000.000 4.28%
2022 89.523.508.000.000 10.48%
2023 102.419.368.000.000 12.59%
2023 101.914.664.000.000 -0.5%
2024 116.685.608.000.000 12.66%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

PT Bank Central Asia Tbk Net Profit
Year Net Profit Growth
2006 4.242.809.000.000
2007 4.489.252.000.000 5.49%
2008 5.776.139.000.000 22.28%
2009 6.807.242.000.000 15.15%
2010 8.479.273.000.000 19.72%
2011 10.819.309.000.000 21.63%
2012 11.721.717.000.000 7.7%
2013 14.253.831.000.000 17.76%
2014 16.485.858.000.000 13.54%
2015 18.018.653.000.000 8.51%
2016 20.605.736.000.000 12.56%
2017 23.309.994.000.000 11.6%
2018 25.855.154.000.000 9.84%
2019 28.565.053.000.000 9.49%
2020 27.131.109.000.000 -5.29%
2021 31.422.660.000.000 13.66%
2022 40.735.722.000.000 22.86%
2023 48.920.684.000.000 16.73%
2023 48.639.122.000.000 -0.58%
2024 55.986.792.000.000 13.12%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

PT Bank Central Asia Tbk Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 35
2007 37 5.56%
2008 47 23.4%
2009 56 14.55%
2010 70 20.29%
2011 89 21.59%
2012 96 8.33%
2013 116 16.52%
2014 134 13.53%
2015 146 8.9%
2016 167 12.57%
2017 189 11.64%
2018 210 9.57%
2019 232 9.52%
2020 220 -5%
2021 255 13.39%
2022 330 23.03%
2023 396 16.67%
2023 395 -0.51%
2024 454 13.22%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

PT Bank Central Asia Tbk Free Cashflow
Year Free Cashflow Growth
2006 6.508.116.000.000
2007 8.364.864.000.000 22.2%
2008 -2.758.219.000.000 403.27%
2009 -19.590.898.000.000 85.92%
2010 1.593.139.000.000 1329.7%
2011 -38.955.937.000.000 104.09%
2012 24.503.167.000.000 258.98%
2013 -7.127.123.000.000 443.8%
2014 32.475.307.000.000 121.95%
2015 26.925.651.000.000 -20.61%
2016 42.939.118.000.000 37.29%
2017 7.921.976.000.000 -442.03%
2018 2.565.339.000.000 -208.81%
2019 49.266.759.000.000 94.79%
2020 48.305.138.000.000 -1.99%
2021 122.880.866.000.000 60.69%
2022 30.424.257.000.000 -303.89%
2023 53.016.118.000.000 42.61%
2023 -4.945.710.000.000 1171.96%
2024 19.782.420.000.000 125%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

PT Bank Central Asia Tbk Operating Cashflow
Year Operating Cashflow Growth
2006 7.091.823.000.000
2007 8.806.087.000.000 19.47%
2008 -1.743.764.000.000 605%
2009 -18.660.401.000.000 90.66%
2010 2.711.962.000.000 788.08%
2011 -37.228.553.000.000 107.28%
2012 27.715.044.000.000 234.33%
2013 -4.189.827.000.000 761.48%
2014 35.136.527.000.000 111.92%
2015 29.459.026.000.000 -19.27%
2016 45.667.484.000.000 35.49%
2017 9.658.627.000.000 -372.82%
2018 4.912.562.000.000 -96.61%
2019 51.942.040.000.000 90.54%
2020 50.978.875.000.000 -1.89%
2021 126.186.318.000.000 59.6%
2022 33.779.263.000.000 -273.56%
2023 58.115.466.000.000 41.88%
2023 -3.764.326.000.000 1643.85%
2024 20.159.480.000.000 118.67%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

PT Bank Central Asia Tbk Capital Expenditure
Year Capital Expenditure Growth
2006 583.707.000.000
2007 441.223.000.000 -32.29%
2008 1.014.455.000.000 56.51%
2009 930.497.000.000 -9.02%
2010 1.118.823.000.000 16.83%
2011 1.727.384.000.000 35.23%
2012 3.211.877.000.000 46.22%
2013 2.937.296.000.000 -9.35%
2014 2.661.220.000.000 -10.37%
2015 2.533.375.000.000 -5.05%
2016 2.728.366.000.000 7.15%
2017 1.736.651.000.000 -57.11%
2018 2.347.223.000.000 26.01%
2019 2.675.281.000.000 12.26%
2020 2.673.737.000.000 -0.06%
2021 3.305.452.000.000 19.11%
2022 3.355.006.000.000 1.48%
2023 5.099.348.000.000 34.21%
2023 1.181.384.000.000 -331.64%
2024 377.060.000.000 -213.31%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

PT Bank Central Asia Tbk Equity
Year Equity Growth
2006 18.068.742.000.000
2007 20.441.731.000.000 11.61%
2008 23.279.310.000.000 12.19%
2009 27.856.693.000.000 16.43%
2010 34.107.844.000.000 18.33%
2011 42.027.340.000.000 18.84%
2012 51.897.942.000.000 19.02%
2013 63.966.678.000.000 18.87%
2014 77.920.617.000.000 17.91%
2015 89.624.940.000.000 13.06%
2016 112.715.059.000.000 20.49%
2017 131.401.694.000.000 14.22%
2018 151.753.427.000.000 13.41%
2019 174.143.156.000.000 12.86%
2020 184.714.709.000.000 5.72%
2021 202.848.934.000.000 8.94%
2022 221.181.655.000.000 8.29%
2023 242.537.593.000.000 8.81%
2023 235.932.600.000.000 -2.8%
2024 240.861.060.000.000 2.05%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

PT Bank Central Asia Tbk Assets
Year Assets Growth
2006 176.798.726.000.000
2007 218.005.008.000.000 18.9%
2008 245.569.856.000.000 11.22%
2009 282.392.294.000.000 13.04%
2010 324.419.069.000.000 12.95%
2011 381.908.353.000.000 15.05%
2012 442.994.197.000.000 13.79%
2013 496.304.573.000.000 10.74%
2014 552.423.892.000.000 10.16%
2015 594.372.770.000.000 7.06%
2016 676.738.753.000.000 12.17%
2017 750.319.671.000.000 9.81%
2018 824.787.944.000.000 9.03%
2019 918.989.312.000.000 10.25%
2020 1.075.570.256.000.000 14.56%
2021 1.228.344.680.000.000 12.44%
2022 1.314.731.674.000.000 6.57%
2023 1.408.107.010.000.000 6.63%
2023 1.381.449.427.000.000 -1.93%
2024 1.425.417.230.000.000 3.08%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

PT Bank Central Asia Tbk Liabilities
Year Liabilities Growth
2006 158.729.984.000.000
2007 197.563.277.000.000 19.66%
2008 222.290.546.000.000 11.12%
2009 254.535.601.000.000 12.67%
2010 290.311.225.000.000 12.32%
2011 339.881.013.000.000 14.58%
2012 391.096.255.000.000 13.1%
2013 432.337.895.000.000 9.54%
2014 474.503.275.000.000 8.89%
2015 504.747.830.000.000 5.99%
2016 564.023.694.000.000 10.51%
2017 618.917.977.000.000 8.87%
2018 673.034.517.000.000 8.04%
2019 744.846.156.000.000 9.64%
2020 890.855.547.000.000 16.39%
2021 1.025.495.746.000.000 13.13%
2022 1.093.550.019.000.000 6.22%
2023 1.165.569.417.000.000 6.18%
2023 1.145.516.827.000.000 -1.75%
2024 1.184.556.170.000.000 3.3%

PT Bank Central Asia Tbk Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
893.58
Net Income per Share
416.35
Price to Earning Ratio
24.98x
Price To Sales Ratio
11.64x
POCF Ratio
33.24
PFCF Ratio
37.02
Price to Book Ratio
5.33
EV to Sales
10.69
EV Over EBITDA
36.62
EV to Operating CashFlow
30.52
EV to FreeCashFlow
34
Earnings Yield
0.04
FreeCashFlow Yield
0.03
Market Cap
1.282.060 Bil.
Enterprise Value
1.177.377 Bil.
Graham Number
4276.62
Graham NetNet
-9401.59

Income Statement Metrics

Net Income per Share
416.35
Income Quality
0.75
ROE
0.22
Return On Assets
0.04
Return On Capital Employed
0.13
Net Income per EBT
0.81
EBT Per Ebit
1
Ebit per Revenue
0.58
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.96
Operating Profit Margin
0.58
Pretax Profit Margin
0.58
Net Profit Margin
0.47

Dividends

Dividend Yield
0.03
Dividend Yield %
2.6
Payout Ratio
0.65
Dividend Per Share
270

Operating Metrics

Operating Cashflow per Share
312.89
Free CashFlow per Share
280.92
Capex to Operating CashFlow
0.1
Capex to Revenue
0.04
Capex to Depreciation
1.36
Return on Invested Capital
0.2
Return on Tangible Assets
0.04
Days Sales Outstanding
72.82
Days Payables Outstanding
33.52
Days of Inventory on Hand
-5172.07
Receivables Turnover
5.01
Payables Turnover
10.89
Inventory Turnover
-0.07
Capex per Share
31.97

Balance Sheet

Cash per Share
325,77
Book Value per Share
1.953,85
Tangible Book Value per Share
1941.31
Shareholders Equity per Share
1952.38
Interest Debt per Share
168.47
Debt to Equity
0.04
Debt to Assets
0.01
Net Debt to EBITDA
-3.26
Current Ratio
0.21
Tangible Asset Value
239.315 Bil.
Net Current Asset Value
-990.589 Bil.
Invested Capital
-7.08860151E+14
Working Capital
-736.881 Bil.
Intangibles to Total Assets
0
Average Receivables
26.019 Bil.
Average Payables
395 Bil.
Average Inventory
-72061398000000
Debt to Market Cap
0.01

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

PT Bank Central Asia Tbk Dividends
Year Dividends Growth
2004 275
2005 130 -111.54%
2006 145 10.34%
2007 170 14.71%
2008 64 -169.84%
2009 140 55%
2010 113 -25%
2011 114 0.88%
2012 114 0%
2013 116 2.59%
2014 125 7.2%
2015 153 18.3%
2016 175 12.57%
2017 210 16.67%
2018 260 19.23%
2019 355 26.76%
2020 553 35.8%
2021 457 -21.01%
2022 155 -194.84%
2023 213 26.89%
2024 228 6.61%

PT Bank Central Asia Tbk Profile

About PT Bank Central Asia Tbk

PT Bank Central Asia Tbk, together with its subsidiaries, provides banking products and services to individual, corporate, and small and medium enterprise customers in Indonesia and internationally. It offers savings accounts; motorcycle financing, as well as car, housing, working capital, and investment loans; mutual funds and bonds; electronic money services; credit cards; business collection services; and home and eBanking, remittance, and customer services. The company also provides investment financing, working capital financing, auto and multipurpose financing, operating lease, other financing activities, money lending and remittance, securities brokerage dealing and securities issuance underwriting, general or loss insurance, life insurance, Sharia banking, and venture capital services. As of December 2021, it operated 1,334 offices comprising 137 main branch offices; 1,105 permanent sub-branch offices; 70 mobile sub-branch offices; and 22 functional offices, as well as total 18,034 automated teller machines (ATMs) consisting of cash recycling machines and multi-functional ATMs. PT Bank Central Asia Tbk was founded in 1955 and is headquartered in Jakarta, Indonesia. PT Bank Central Asia Tbk is a subsidiary of PT Dwimuria Investama Andalan.

CEO
Mr. Jahja Setiaatmadja
Employee
27.547
Address
Menara BCA
Jakarta, 10310

PT Bank Central Asia Tbk Executives & BODs

PT Bank Central Asia Tbk Executives & BODs
# Name Age
1 Mr. Raymon Yonarto
Executive Vice President of Corporate Finance & Corporate Secretary
70
2 Ms. Vera Eve Lim
Finance & Corporate Planning Director and Director
70
3 Ms. Lianawaty Suwono
Compliance & Human Capital Management Director and Director
70
4 Mr. Armand Wahyudi Hartono
Deputy President Director
70
5 Hera Fendayani Haryn
Head of Corporate Communication & Social Responsibility Group
70
6 Mr. Jahja Setiaatmadja
President Director
70
7 Mr. Hendra Lembong
Deputy President Director
70
8 Felix Ivanata Darmasetia
Head of Accounting Group
70
9 Rudy Winarto Budiardjo
Head of Investor Relations Group
70
10 Mr. Ho Hien Tan
Credit Risk & Legal Director and Director
70

PT Bank Central Asia Tbk Competitors