PT Allo Bank Indonesia Tbk Logo

PT Allo Bank Indonesia Tbk

BBHI.JK

(2.5)
Stock Price

895 IDR

3.16% ROA

6.18% ROE

48.13x PER

Market Cap.

20.643.785.000.000 IDR

23.95% DER

0% Yield

33.39% NPM

PT Allo Bank Indonesia Tbk Stock Analysis

PT Allo Bank Indonesia 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 Allo Bank Indonesia Tbk Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

2 Net Profit Growth

Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect.

3 Assets Growth

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

4 ROE

The stock's ROE falls within an average range (5.16%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (2.62%) 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.

6 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (7.733) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 PBV

The stock's elevated P/BV ratio (4.38x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

9 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

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

PT Allo Bank Indonesia 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 Allo Bank Indonesia Tbk Revenue
Year Revenue Growth
2012 83.555.751.233
2013 84.580.251.973 1.21%
2014 91.499.693.895 7.56%
2015 102.574.489.798 10.8%
2016 108.208.616.240 5.21%
2017 113.307.152.262 4.5%
2018 108.486.463.622 -4.44%
2019 99.795.979.785 -8.71%
2020 57.285.731.896 -74.21%
2021 304.196.992.960 81.17%
2022 761.130.870.333 60.03%
2023 1.178.254.259.056 35.4%
2023 1.151.408.573.249 -2.33%
2024 1.255.716.318.792 8.31%

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 Allo Bank Indonesia Tbk Research and Development Expenses
Year Research and Development Expenses Growth
2012 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 Allo Bank Indonesia Tbk General and Administrative Expenses
Year General and Administrative Expenses Growth
2012 15.729.975.344
2013 17.901.115.209 12.13%
2014 18.598.670.819 3.75%
2015 22.017.724.287 15.53%
2016 20.515.565.975 -7.32%
2017 25.807.835.514 20.51%
2018 30.687.518.654 15.9%
2019 30.192.229.701 -1.64%
2020 26.983.806.615 -11.89%
2021 24.272.497.732 -11.17%
2022 94.574.782.254 74.34%
2023 112.923.505.068 16.25%
2023 158.809.239.516 28.89%
2024 243.879.344.200 34.88%

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 Allo Bank Indonesia Tbk EBITDA
Year EBITDA Growth
2012 -688.048.331
2013 -188.978.328 -264.09%
2014 207.958.065 190.87%
2015 86.309.374.328 99.76%
2016 131.414.068.285 34.32%
2017 130.004.684.723 -1.08%
2018 -1.356.020.658 9687.22%
2019 -43.216.435.585 96.86%
2020 49.194.273.497 187.85%
2021 228.659.620.775 78.49%
2022 520.181.510.806 56.04%
2023 690.052.889.804 24.62%
2023 628.969.580.703 -9.71%
2024 -563.255.200 111766.89%

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 Allo Bank Indonesia Tbk Gross Profit
Year Gross Profit Growth
2012 83.555.751.233
2013 84.580.251.973 1.21%
2014 91.499.693.895 7.56%
2015 102.574.489.798 10.8%
2016 108.208.616.240 5.21%
2017 113.307.152.262 4.5%
2018 108.486.463.622 -4.44%
2019 99.795.979.785 -8.71%
2020 57.285.731.896 -74.21%
2021 304.196.992.960 81.17%
2022 761.130.870.333 60.03%
2023 1.178.254.259.056 35.4%
2023 1.151.408.573.249 -2.33%
2024 1.132.914.779.616 -1.63%

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 Allo Bank Indonesia Tbk Net Profit
Year Net Profit Growth
2012 20.056.116.692
2013 11.726.599.403 -71.03%
2014 12.448.871.156 5.8%
2015 -45.978.206.362 127.08%
2016 7.087.033.127 748.77%
2017 10.362.325.458 31.61%
2018 -123.143.307.730 108.41%
2019 -36.549.663.189 -236.92%
2020 37.011.391.337 198.75%
2021 192.474.618.193 80.77%
2022 270.029.411.193 28.72%
2023 490.247.238.380 44.92%
2023 444.566.134.304 -10.28%
2024 356.430.171.444 -24.73%

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 Allo Bank Indonesia Tbk Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2012 12
2013 6 -140%
2014 5 0%
2015 -3 266.67%
2016 0 0%
2017 1 0%
2018 -6 100%
2019 -2 -500%
2020 2 200%
2021 14 92.31%
2022 12 -8.33%
2023 23 45.45%
2023 20 -10%
2024 16 -25%

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 Allo Bank Indonesia Tbk Free Cashflow
Year Free Cashflow Growth
2012 -102.382.097.355
2013 41.966.801.146 343.96%
2014 -264.164.666.732 115.89%
2015 -130.557.878.065 -102.34%
2016 56.164.471.650 332.46%
2017 -78.268.616.297 171.76%
2018 16.217.227.393 582.63%
2019 185.268.097.667 91.25%
2020 -447.668.432.262 141.39%
2021 -608.396.871.180 26.42%
2022 -4.197.786.607.680 85.51%
2023 -646.696.313.187 -549.11%
2023 2.247.261.176.961 128.78%
2024 -407.062.521.788 652.07%

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 Allo Bank Indonesia Tbk Operating Cashflow
Year Operating Cashflow Growth
2012 -101.190.873.641
2013 46.391.331.820 318.12%
2014 -263.073.479.132 117.63%
2015 -128.699.994.193 -104.41%
2016 56.434.074.520 328.05%
2017 -75.862.859.744 174.39%
2018 20.572.426.961 468.76%
2019 185.761.530.651 88.93%
2020 -444.708.455.596 141.77%
2021 -607.613.563.082 26.81%
2022 -4.006.145.114.752 84.83%
2023 -642.959.962.209 -523.08%
2023 2.348.096.837.931 127.38%
2024 -327.513.150.979 816.95%

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 Allo Bank Indonesia Tbk Capital Expenditure
Year Capital Expenditure Growth
2012 1.191.223.714
2013 4.424.530.674 73.08%
2014 1.091.187.600 -305.48%
2015 1.857.883.872 41.27%
2016 269.602.870 -589.12%
2017 2.405.756.553 88.79%
2018 4.355.199.568 44.76%
2019 493.432.984 -782.63%
2020 2.959.976.666 83.33%
2021 783.308.098 -277.88%
2022 191.641.492.928 99.59%
2023 3.736.350.978 -5029.11%
2023 100.835.660.970 96.29%
2024 79.549.370.809 -26.76%

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 Allo Bank Indonesia Tbk Equity
Year Equity Growth
2012 174.882.446.528
2013 208.209.045.931 16.01%
2014 291.323.938.088 28.53%
2015 375.968.431.266 22.51%
2016 381.808.378.571 1.53%
2017 440.333.456.571 13.29%
2018 336.482.136.901 -30.86%
2019 299.765.877.648 -12.25%
2020 347.066.458.180 13.63%
2021 1.303.270.902.833 73.37%
2022 6.411.268.936.762 79.67%
2023 6.885.075.877.798 6.88%
2023 6.815.417.543.185 -1.02%
2024 7.075.388.462.890 3.67%

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 Allo Bank Indonesia Tbk Assets
Year Assets Growth
2012 1.730.622.560.785
2013 1.638.182.123.527 -5.64%
2014 2.020.526.675.205 18.92%
2015 2.079.034.305.073 2.81%
2016 2.058.463.040.846 -1%
2017 2.458.823.912.630 16.28%
2018 2.264.172.563.518 -8.6%
2019 2.527.173.168.770 10.41%
2020 2.586.663.487.991 2.3%
2021 4.649.357.148.732 44.37%
2022 11.058.956.402.885 57.96%
2023 12.750.434.573.380 13.27%
2023 11.989.836.729.655 -6.34%
2024 13.641.592.701.143 12.11%

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 Allo Bank Indonesia Tbk Liabilities
Year Liabilities Growth
2012 4.114.963.985
2013 5.133.964.021 19.85%
2014 7.758.691.656 33.83%
2015 1.703.065.873.807 99.54%
2016 1.676.654.662.275 -1.58%
2017 2.018.490.456.059 16.94%
2018 1.927.690.426.617 -4.71%
2019 6.411.635.101 -29965.5%
2020 4.047.208.065 -58.42%
2021 3.346.086.245.899 99.88%
2022 4.647.687.466.123 28.01%
2023 5.865.358.695.582 20.76%
2023 5.174.419.186.470 -13.35%
2024 6.566.204.238.253 21.2%

PT Allo Bank Indonesia Tbk Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
59.12
Net Income per Share
19.74
Price to Earning Ratio
48.13x
Price To Sales Ratio
16.07x
POCF Ratio
17.07
PFCF Ratio
21.17
Price to Book Ratio
2.92
EV to Sales
15.15
EV Over EBITDA
57.86
EV to Operating CashFlow
16.09
EV to FreeCashFlow
19.96
Earnings Yield
0.02
FreeCashFlow Yield
0.05
Market Cap
20.644 Bil.
Enterprise Value
19.463 Bil.
Graham Number
380.26
Graham NetNet
-317.73

Income Statement Metrics

Net Income per Share
19.74
Income Quality
2.82
ROE
0.06
Return On Assets
0.03
Return On Capital Employed
0.04
Net Income per EBT
0.77
EBT Per Ebit
1
Ebit per Revenue
0.43
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.15
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.98
Operating Profit Margin
0.43
Pretax Profit Margin
0.43
Net Profit Margin
0.33

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
55.66
Free CashFlow per Share
44.87
Capex to Operating CashFlow
0.19
Capex to Revenue
0.18
Capex to Depreciation
4.5
Return on Invested Capital
0.05
Return on Tangible Assets
0.03
Days Sales Outstanding
38.2
Days Payables Outstanding
146.97
Days of Inventory on Hand
-18323.24
Receivables Turnover
9.55
Payables Turnover
2.48
Inventory Turnover
-0.02
Capex per Share
10.79

Balance Sheet

Cash per Share
15,26
Book Value per Share
325,60
Tangible Book Value per Share
322.9
Shareholders Equity per Share
325.6
Interest Debt per Share
91.34
Debt to Equity
0.24
Debt to Assets
0.12
Net Debt to EBITDA
-3.51
Current Ratio
23.45
Tangible Asset Value
7.017 Bil.
Net Current Asset Value
-6.235 Bil.
Invested Capital
637984313757
Working Capital
317 Bil.
Intangibles to Total Assets
0
Average Receivables
101 Bil.
Average Payables
13 Bil.
Average Inventory
-182402595413.5
Debt to Market Cap
0.08

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 Allo Bank Indonesia Tbk Dividends
Year Dividends Growth

PT Allo Bank Indonesia Tbk Profile

About PT Allo Bank Indonesia Tbk

PT Allo Bank Indonesia Tbk provides various banking products and services in Indonesia. The company offers savings, Giro, deposits saving, and current accounts; time deposits; and working capital, investment, vehicle, multi-function, consumer, and simulation installment loans, as well as bank guarantees and safety deposit box services. It operates 8 branches, 6 sub-branches, and 2 cash offices. The company was formerly known as PT Bank Harda Internasional Tbk and changed its name to PT Allo Bank Indonesia Tbk in June 2021. The company was founded in 1992 and is headquartered in Jakarta Pusat, Indonesia. PT Allo Bank Indonesia Tbk is a subsidiary of PT Mega Corpora.

CEO
Mr. Indra Bambang Utoyo
Employee
483
Address
ASEAN Tower Lantai 2-3
Jakarta Pusat, 10710

PT Allo Bank Indonesia Tbk Executives & BODs

PT Allo Bank Indonesia Tbk Executives & BODs
# Name Age
1 Tjen Ignatius Bernandez
Product & Portfolio MGT Division Head
70
2 Ms. Martina Loloate Julianti Ujung
Credit Review Division Head
70
3 Mr. Indra Bambang Utoyo
President Director
70
4 Mr. Aryanto Halawa
Finance & Accounting Division Head
70
5 Mr. Mariawati Tjitradinata
Human Capital Division Head
70
6 Mr. Iwan Sunarli
Transaction Processing Division Head
70
7 Kemal Suteja Sindi
Head of Corporate Legal Department
70
8 Jontha Rado Sinaga
Process Management Department Head
70
9 - Sulistianti
Compliance & AML Division Head
70
10 Gede Suwardika
Head of Remedial & Asset Recovery Department
70

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