PT Bank KB Bukopin Tbk Logo

PT Bank KB Bukopin Tbk

BBKP.JK

(1.0)
Stock Price

68 IDR

-6.91% ROA

-40.99% ROE

-1.55x PER

Market Cap.

15.594.704.000.000 IDR

88.75% DER

0% Yield

-486.95% NPM

PT Bank KB Bukopin Tbk Stock Analysis

PT Bank KB Bukopin 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 KB Bukopin Tbk Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.52x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a reasonable amount of debt compared to its ownership (89%), suggesting a balanced financial position and a moderate level of risk.

3 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

4 ROE

The stock's ROE indicates a negative return (-40.99%) on shareholders' equity, suggesting poor financial performance.

5 ROA

The stock's ROA (-6.91%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

6 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

7 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

10 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (11) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

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

PT Bank KB Bukopin 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 KB Bukopin Tbk Revenue
Year Revenue Growth
2005 1.117.901.651.000
2006 1.405.863.515.000 20.48%
2007 1.560.668.000.000 9.92%
2008 1.777.291.000.000 12.19%
2009 1.825.794.000.000 2.66%
2010 2.317.300.000.000 21.21%
2011 2.737.400.000.000 15.35%
2012 3.132.144.000.000 12.6%
2013 3.228.637.000.000 2.99%
2014 3.446.842.000.000 6.33%
2015 4.099.671.000.000 15.92%
2016 4.965.295.000.000 17.43%
2017 3.905.652.000.000 -27.13%
2018 3.357.429.000.000 -16.33%
2019 2.814.566.000.000 -19.29%
2020 1.478.904.000.000 -90.31%
2021 1.050.381.000.000 -40.8%
2022 1.363.878.000.000 22.99%
2023 1.625.808.000.000 16.11%

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 KB Bukopin Tbk Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 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%

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 KB Bukopin Tbk General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 414.590.911.000
2006 434.033.628.000 4.48%
2007 511.858.000.000 15.2%
2008 592.052.000.000 13.55%
2009 752.259.000.000 21.3%
2010 911.052.000.000 17.43%
2011 970.017.000.000 6.08%
2012 732.320.000.000 -32.46%
2013 1.169.001.000.000 37.36%
2014 902.912.000.000 -29.47%
2015 961.472.000.000 6.09%
2016 1.095.876.000.000 12.26%
2017 1.226.929.000.000 10.68%
2018 1.118.800.000.000 -9.66%
2019 1.258.556.000.000 11.1%
2020 1.285.253.000.000 2.08%
2021 1.391.684.000.000 7.65%
2022 1.154.190.000.000 -20.58%
2023 813.012.000.000 -41.96%

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 KB Bukopin Tbk EBITDA
Year EBITDA Growth
2005 1.408.866.702.000
2006 2.272.969.767.000 38.02%
2007 2.467.496.000.000 7.88%
2008 2.454.769.000.000 -0.52%
2009 2.825.115.000.000 13.11%
2010 2.703.166.000.000 -4.51%
2011 3.456.594.000.000 21.8%
2012 3.630.711.000.000 4.8%
2013 4.476.353.000.000 18.89%
2014 5.345.510.000.000 16.26%
2015 6.320.310.000.000 15.42%
2016 6.892.155.000.000 8.3%
2017 6.359.561.000.000 -8.37%
2018 5.440.799.000.000 -16.89%
2019 279.173.000.000 -1848.9%
2020 -3.647.440.000.000 107.65%
2021 -2.869.787.000.000 -27.1%
2022 -2.052.521.000.000 -39.82%
2023 -2.206.048.000.000 6.96%

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 KB Bukopin Tbk Gross Profit
Year Gross Profit Growth
2005 1.117.901.651.000
2006 1.405.863.515.000 20.48%
2007 1.560.668.000.000 9.92%
2008 1.777.291.000.000 12.19%
2009 1.825.794.000.000 2.66%
2010 2.317.300.000.000 21.21%
2011 2.737.400.000.000 15.35%
2012 3.132.144.000.000 12.6%
2013 3.228.637.000.000 2.99%
2014 3.446.842.000.000 6.33%
2015 4.099.671.000.000 15.92%
2016 4.965.295.000.000 17.43%
2017 3.905.652.000.000 -27.13%
2018 3.357.429.000.000 -16.33%
2019 2.814.566.000.000 -19.29%
2020 1.478.904.000.000 -90.31%
2021 1.050.381.000.000 -40.8%
2022 1.363.878.000.000 22.99%
2023 1.625.808.000.000 16.11%

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 KB Bukopin Tbk Net Profit
Year Net Profit Growth
2005 256.675.189.000
2006 315.216.397.000 18.57%
2007 375.126.000.000 15.97%
2008 368.842.000.000 -1.7%
2009 362.191.000.000 -1.84%
2010 492.761.000.000 26.5%
2011 741.478.000.000 33.54%
2012 830.489.000.000 10.72%
2013 929.712.000.000 10.67%
2014 724.447.000.000 -28.33%
2015 960.425.000.000 24.57%
2016 1.086.605.000.000 11.61%
2017 135.279.000.000 -703.23%
2018 189.595.000.000 28.65%
2019 216.324.000.000 12.36%
2020 -3.258.109.000.000 106.64%
2021 -2.302.279.000.000 -41.52%
2022 -5.032.504.000.000 54.25%
2023 -1.970.612.000.000 -155.38%

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 KB Bukopin Tbk Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 36
2006 41 12.2%
2007 45 8.89%
2008 44 -4.65%
2009 43 -2.38%
2010 55 23.64%
2011 67 16.67%
2012 74 9.59%
2013 84 13.1%
2014 52 -61.54%
2015 75 29.73%
2016 14 -428.57%
2017 11 -40%
2018 11 9.09%
2019 13 15.38%
2020 -71 118.31%
2021 -33 -115.15%
2022 -74 55.41%
2023 0 0%

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 KB Bukopin Tbk Free Cashflow
Year Free Cashflow Growth
2005 3.573.886.670.000
2006 6.920.036.207.000 48.35%
2007 -2.298.500.000.000 401.07%
2008 -2.730.332.000.000 15.82%
2009 -2.262.104.000.000 -20.7%
2010 5.108.548.000.000 144.28%
2011 -3.302.792.000.000 254.67%
2012 2.823.189.000.000 216.99%
2013 -1.227.225.000.000 330.05%
2014 3.214.398.000.000 138.18%
2015 93.294.000.000 -3345.45%
2016 2.362.356.000.000 96.05%
2017 -1.814.414.000.000 230.2%
2018 -6.446.547.000.000 71.85%
2019 -2.294.269.000.000 -180.98%
2020 -13.979.429.000.000 83.59%
2021 13.377.780.000.000 204.5%
2022 -325.273.000.000 4212.79%
2023 -6.508.232.000.000 95%

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 KB Bukopin Tbk Operating Cashflow
Year Operating Cashflow Growth
2005 3.666.754.009.000
2006 7.003.119.541.000 47.64%
2007 -2.197.021.000.000 418.76%
2008 -2.594.636.000.000 15.32%
2009 -2.119.392.000.000 -22.42%
2010 5.185.523.000.000 140.87%
2011 -3.205.341.000.000 261.78%
2012 2.877.767.000.000 211.38%
2013 -939.659.000.000 406.26%
2014 3.435.304.000.000 127.35%
2015 476.581.000.000 -620.82%
2016 2.711.779.000.000 82.43%
2017 -1.572.849.000.000 272.41%
2018 -6.167.780.000.000 74.5%
2019 -2.143.374.000.000 -187.76%
2020 -13.475.843.000.000 84.09%
2021 13.496.947.000.000 199.84%
2022 -259.228.000.000 5306.59%
2023 -6.351.972.000.000 95.92%

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 KB Bukopin Tbk Capital Expenditure
Year Capital Expenditure Growth
2005 92.867.339.000
2006 83.083.334.000 -11.78%
2007 101.479.000.000 18.13%
2008 135.696.000.000 25.22%
2009 142.712.000.000 4.92%
2010 76.975.000.000 -85.4%
2011 97.451.000.000 21.01%
2012 54.578.000.000 -78.55%
2013 287.566.000.000 81.02%
2014 220.906.000.000 -30.18%
2015 383.287.000.000 42.37%
2016 349.423.000.000 -9.69%
2017 241.565.000.000 -44.65%
2018 278.767.000.000 13.35%
2019 150.895.000.000 -84.74%
2020 503.586.000.000 70.04%
2021 119.167.000.000 -322.59%
2022 66.045.000.000 -80.43%
2023 156.260.000.000 57.73%

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 KB Bukopin Tbk Equity
Year Equity Growth
2005 1.193.328.210.000
2006 1.668.003.858.000 28.46%
2007 1.964.793.000.000 15.11%
2008 2.163.167.000.000 9.17%
2009 2.536.515.000.000 14.72%
2010 2.886.947.000.000 12.14%
2011 4.365.768.000.000 33.87%
2012 4.984.186.000.000 12.41%
2013 6.195.903.000.000 19.56%
2014 6.801.653.000.000 8.91%
2015 7.510.942.000.000 9.44%
2016 9.506.055.000.000 20.99%
2017 6.737.457.000.000 -41.09%
2018 8.594.437.000.000 21.61%
2019 8.905.485.000.000 3.49%
2020 8.466.442.000.000 -5.19%
2021 13.205.904.000.000 35.89%
2022 11.216.605.000.000 -17.74%
2023 16.770.067.000.000 33.12%

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 KB Bukopin Tbk Assets
Year Assets Growth
2005 24.683.890.067.000
2006 31.556.143.184.000 21.78%
2007 34.446.177.000.000 8.39%
2008 32.633.063.000.000 -5.56%
2009 37.173.318.000.000 12.21%
2010 47.489.366.000.000 21.72%
2011 57.183.463.000.000 16.95%
2012 65.689.830.000.000 12.95%
2013 69.457.663.000.000 5.42%
2014 79.051.268.000.000 12.14%
2015 94.366.502.000.000 16.23%
2016 105.406.002.000.000 10.47%
2017 106.442.999.000.000 0.97%
2018 95.643.923.000.000 -11.29%
2019 100.264.248.000.000 4.61%
2020 79.938.578.000.000 -25.43%
2021 89.215.674.000.000 10.4%
2022 89.995.352.000.000 0.87%
2023 83.893.850.000.000 -7.27%

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 KB Bukopin Tbk Liabilities
Year Liabilities Growth
2005 23.490.561.857.000
2006 29.883.342.877.000 21.39%
2007 32.476.453.000.000 7.98%
2008 30.465.093.000.000 -6.6%
2009 34.631.954.000.000 12.03%
2010 44.597.408.000.000 22.35%
2011 52.809.369.000.000 15.55%
2012 60.693.088.000.000 12.99%
2013 63.244.294.000.000 4.03%
2014 72.229.788.000.000 12.44%
2015 86.831.323.000.000 16.82%
2016 95.868.070.000.000 9.43%
2017 99.684.047.000.000 3.83%
2018 87.049.486.000.000 -14.51%
2019 91.358.763.000.000 4.72%
2020 71.472.136.000.000 -27.82%
2021 76.009.770.000.000 5.97%
2022 78.778.747.000.000 3.51%
2023 67.123.783.000.000 -17.36%

PT Bank KB Bukopin Tbk Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
10.97
Net Income per Share
-53.4
Price to Earning Ratio
-1.55x
Price To Sales Ratio
13.15x
POCF Ratio
-0.96
PFCF Ratio
-1.61
Price to Book Ratio
0.54
EV to Sales
19.43
EV Over EBITDA
-5.78
EV to Operating CashFlow
-2.46
EV to FreeCashFlow
-2.38
Earnings Yield
-0.64
FreeCashFlow Yield
-0.62
Market Cap
15.595 Bil.
Enterprise Value
23.048 Bil.
Graham Number
431.64
Graham NetNet
-545.95

Income Statement Metrics

Net Income per Share
-53.4
Income Quality
3.9
ROE
-0.41
Return On Assets
-0.07
Return On Capital Employed
-0.05
Net Income per EBT
0.95
EBT Per Ebit
1.44
Ebit per Revenue
-3.57
Effective Tax Rate
0.05

Margins

Sales, General, & Administrative to Revenue
0.88
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
-3.57
Pretax Profit Margin
-5.14
Net Profit Margin
-4.87

Dividends

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

Operating Metrics

Operating Cashflow per Share
-86.54
Free CashFlow per Share
-89.44
Capex to Operating CashFlow
0.03
Capex to Revenue
-0.26
Capex to Depreciation
-4.98
Return on Invested Capital
-0.13
Return on Tangible Assets
-0.07
Days Sales Outstanding
259.58
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.41
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-2.9

Balance Sheet

Cash per Share
68,71
Book Value per Share
155,07
Tangible Book Value per Share
151.78
Shareholders Equity per Share
155.07
Interest Debt per Share
172.01
Debt to Equity
0.89
Debt to Assets
0.18
Net Debt to EBITDA
-1.87
Current Ratio
47.79
Tangible Asset Value
16.419 Bil.
Net Current Asset Value
-58.847 Bil.
Invested Capital
0.89
Working Capital
8.103 Bil.
Intangibles to Total Assets
0
Average Receivables
839 Bil.
Average Payables
179 Bil.
Average Inventory
0
Debt to Market Cap
0.95

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 KB Bukopin Tbk Dividends
Year Dividends Growth
2007 15
2008 23 31.82%
2009 13 -69.23%
2010 21 35%
2011 16 -33.33%
2012 20 21.05%
2013 22 13.64%
2014 22 -4.76%
2015 17 -23.53%
2016 23 22.73%
2017 26 12%

PT Bank KB Bukopin Tbk Profile

About PT Bank KB Bukopin Tbk

PT Bank KB Bukopin Tbk, together with its subsidiaries, provides banking products and services in Indonesia. It offers individual and business savings accounts, current accounts, and deposits; home loans, car loans, commercial loans, pension and retirement credit, and multipurpose loans; and credit and debit cards. The company also provides wealth management, syndication, custody, and e- banking services. As of December 31, 2021, it operated through a network of 43 branches, 310 sub-branches, and 4 functional offices, as well as 673 ATMs. The company was formerly known as PT Bank Bukopin Tbk and changed its name to PT Bank KB Bukopin Tbk in February 2021. PT Bank KB Bukopin Tbk was founded in 1970 and is headquartered in Jakarta, Indonesia. PT Bank KB Bukopin Tbk is a subsidiary of KB Kookmin Bank Co., Ltd.

CEO
Mr. Woo Yeul Lee
Employee
2.586
Address
Gedung Bank Bukopin
Jakarta, 12770

PT Bank KB Bukopin Tbk Executives & BODs

PT Bank KB Bukopin Tbk Executives & BODs
# Name Age
1 Maya Sita Darlina
Head of Human Resources Management Division
70
2 Yocky Eko Wicaksono
Corporate Secretary
70
3 Mr. Helmi Fakhrudin
Operation Director & Director
70
4 Slamet Imam Priadi
Division Head of Compliance
70
5 Mr. Henry Sawali
Credit Director & Director
70
6 Ms. Dewi Andari
General Manager of Treasury & International Banking
70
7 Mr. Woo Yeul Lee
President Director
70
8 Suleman Batubara
Head of Corporate Legal Division
70
9 Arief Hartono
Head of Compliance/Pkpn Division
70
10 Gamaridha Akhirul A.R.
Alt. Human Capital Division Head
70

PT Bank KB Bukopin Tbk Competitors