PT Bank Rakyat Indonesia (Persero) Tbk Logo

PT Bank Rakyat Indonesia (Persero) Tbk

BBRI.JK

(2.8)
Stock Price

4.500 IDR

3.11% ROA

19.85% ROE

12.49x PER

Market Cap.

753.870.041.000.000 IDR

60.99% DER

6.38% Yield

31.51% NPM

PT Bank Rakyat Indonesia (Persero) Tbk Stock Analysis

PT Bank Rakyat Indonesia (Persero) 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 Rakyat Indonesia (Persero) Tbk Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (43%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

3 ROE

ROE in an average range (14.17%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (2.26%) 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.

5 PBV

The stock's PBV ratio (2.57x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

8 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (18.662) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Graham Number

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

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

PT Bank Rakyat Indonesia (Persero) 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 Rakyat Indonesia (Persero) Tbk Revenue
Year Revenue Growth
2005 12.847.533.000.000
2006 15.293.795.000.000 16%
2007 18.518.273.000.000 17.41%
2008 22.186.290.000.000 16.53%
2009 26.319.089.000.000 15.7%
2010 30.552.600.000.000 13.86%
2011 40.203.051.000.000 24%
2012 43.104.711.000.000 6.73%
2013 51.133.344.000.000 15.7%
2014 59.556.636.000.000 14.14%
2015 69.813.152.000.000 14.69%
2016 82.504.537.000.000 15.38%
2017 90.844.308.000.000 9.18%
2018 99.067.098.000.000 8.3%
2019 108.468.320.000.000 8.67%
2020 106.456.549.000.000 -1.89%
2021 153.754.913.000.000 30.76%
2022 169.018.860.000.000 9.03%
2023 169.524.580.000.000 0.3%
2023 166.475.993.000.000 -1.83%
2024 245.476.100.000.000 32.18%

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 Rakyat Indonesia (Persero) 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%
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 Rakyat Indonesia (Persero) Tbk General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 1.943.569.000.000
2006 2.054.030.000.000 5.38%
2007 2.404.706.000.000 14.58%
2008 3.087.606.000.000 22.12%
2009 3.717.931.000.000 16.95%
2010 4.711.444.000.000 21.09%
2011 5.678.786.000.000 17.03%
2012 4.719.361.000.000 -20.33%
2013 5.325.652.000.000 11.38%
2014 6.587.324.000.000 19.15%
2015 7.143.009.000.000 7.78%
2016 8.672.546.000.000 17.64%
2017 9.797.204.000.000 11.48%
2018 10.445.554.000.000 6.21%
2019 11.355.243.000.000 8.01%
2020 13.081.170.000.000 13.19%
2021 18.138.405.000.000 27.88%
2022 19.506.239.000.000 7.01%
2023 19.266.368.000.000 -1.25%
2023 22.271.839.000.000 13.49%
2024 21.841.632.000.000 -1.97%

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 Rakyat Indonesia (Persero) Tbk EBITDA
Year EBITDA Growth
2005 5.607.952.000.000
2006 5.906.721.000.000 5.06%
2007 7.780.074.000.000 24.08%
2008 8.822.012.000.000 11.81%
2009 12.474.164.000.000 29.28%
2010 14.908.230.000.000 16.33%
2011 18.750.823.000.000 20.49%
2012 24.270.472.000.000 22.74%
2013 28.578.151.000.000 15.07%
2014 31.766.018.000.000 10.04%
2015 33.575.194.000.000 5.39%
2016 35.166.360.000.000 4.52%
2017 38.553.763.000.000 8.79%
2018 76.093.053.000.000 49.33%
2019 45.056.466.000.000 -68.88%
2020 28.994.192.000.000 -55.4%
2021 41.661.354.000.000 30.41%
2022 94.243.312.000.000 55.79%
2023 120.194.700.000.000 21.59%
2023 79.830.818.000.000 -50.56%
2024 22.402.940.000.000 -256.34%

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 Rakyat Indonesia (Persero) Tbk Gross Profit
Year Gross Profit Growth
2005 12.847.533.000.000
2006 15.293.795.000.000 16%
2007 18.518.273.000.000 17.41%
2008 22.186.290.000.000 16.53%
2009 26.319.089.000.000 15.7%
2010 30.552.600.000.000 13.86%
2011 40.203.051.000.000 24%
2012 43.104.711.000.000 6.73%
2013 51.133.344.000.000 15.7%
2014 59.556.636.000.000 14.14%
2015 69.813.152.000.000 14.69%
2016 82.504.537.000.000 15.38%
2017 90.844.308.000.000 9.18%
2018 99.067.098.000.000 8.3%
2019 108.468.320.000.000 8.67%
2020 106.456.549.000.000 -1.89%
2021 153.754.913.000.000 30.76%
2022 169.018.860.000.000 9.03%
2023 169.524.580.000.000 0.3%
2023 166.475.993.000.000 -1.83%
2024 245.476.100.000.000 32.18%

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 Rakyat Indonesia (Persero) Tbk Net Profit
Year Net Profit Growth
2005 3.808.587.000.000
2006 4.257.572.000.000 10.55%
2007 4.838.001.000.000 12%
2008 5.958.368.000.000 18.8%
2009 9.891.228.000.000 39.76%
2010 11.472.385.000.000 13.78%
2011 15.082.939.000.000 23.94%
2012 18.680.884.000.000 19.26%
2013 21.344.130.000.000 12.48%
2014 24.241.650.000.000 11.95%
2015 25.397.742.000.000 4.55%
2016 26.195.772.000.000 3.05%
2017 28.996.535.000.000 9.66%
2018 32.351.133.000.000 10.37%
2019 34.372.609.000.000 5.88%
2020 18.654.753.000.000 -84.26%
2021 31.066.592.000.000 39.95%
2022 51.170.312.000.000 39.29%
2023 62.007.428.000.000 17.48%
2023 60.099.863.000.000 -3.17%
2024 55.265.348.000.000 -8.75%

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 Rakyat Indonesia (Persero) Tbk Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 32
2006 36 8.57%
2007 40 12.5%
2008 50 18.37%
2009 61 18.33%
2010 96 36.84%
2011 126 24%
2012 151 17.22%
2013 173 12.72%
2014 196 11.73%
2015 206 4.85%
2016 214 3.74%
2017 237 9.32%
2018 265 10.61%
2019 274 3.65%
2020 148 -85.14%
2021 238 37.55%
2022 338 29.88%
2023 411 17.56%
2023 398 -3.02%
2024 367 -8.74%

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 Rakyat Indonesia (Persero) Tbk Free Cashflow
Year Free Cashflow Growth
2005 1.027.451.000.000
2006 13.664.648.000.000 92.48%
2007 23.567.118.000.000 42.02%
2008 -14.853.305.000.000 258.67%
2009 835.579.000.000 1877.61%
2010 46.005.755.000.000 98.18%
2011 15.373.735.000.000 -199.25%
2012 -25.542.615.000.000 160.19%
2013 2.451.101.000.000 1142.09%
2014 81.865.358.000.000 97.01%
2015 42.259.510.000.000 -93.72%
2016 18.117.761.000.000 -133.25%
2017 37.292.762.000.000 51.42%
2018 55.439.677.000.000 32.73%
2019 40.887.714.000.000 -35.59%
2020 63.560.153.000.000 35.67%
2021 24.334.258.000.000 -161.2%
2022 86.967.772.000.000 72.02%
2023 -27.563.653.000.000 415.52%
2023 -13.148.750.000.000 -109.63%
2024 -5.581.641.000.000 -135.57%

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 Rakyat Indonesia (Persero) Tbk Operating Cashflow
Year Operating Cashflow Growth
2005 1.742.554.000.000
2006 13.964.318.000.000 87.52%
2007 23.986.231.000.000 41.78%
2008 -14.213.727.000.000 268.75%
2009 1.277.129.000.000 1212.94%
2010 46.517.667.000.000 97.25%
2011 15.975.074.000.000 -191.19%
2012 -24.097.325.000.000 166.29%
2013 4.399.086.000.000 647.78%
2014 84.930.076.000.000 94.82%
2015 45.544.908.000.000 -86.48%
2016 21.770.833.000.000 -109.2%
2017 39.299.109.000.000 44.6%
2018 57.262.380.000.000 31.37%
2019 44.583.078.000.000 -28.44%
2020 66.689.187.000.000 33.15%
2021 32.588.374.000.000 -104.64%
2022 97.506.005.000.000 66.58%
2023 -24.962.296.000.000 490.61%
2023 -4.971.454.000.000 -402.11%
2024 -3.708.552.000.000 -34.05%

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 Rakyat Indonesia (Persero) Tbk Capital Expenditure
Year Capital Expenditure Growth
2005 715.103.000.000
2006 299.670.000.000 -138.63%
2007 419.113.000.000 28.5%
2008 639.578.000.000 34.47%
2009 441.550.000.000 -44.85%
2010 511.912.000.000 13.74%
2011 601.339.000.000 14.87%
2012 1.445.290.000.000 58.39%
2013 1.947.985.000.000 25.81%
2014 3.064.718.000.000 36.44%
2015 3.285.398.000.000 6.72%
2016 3.653.072.000.000 10.06%
2017 2.006.347.000.000 -82.08%
2018 1.822.703.000.000 -10.08%
2019 3.695.364.000.000 50.68%
2020 3.129.034.000.000 -18.1%
2021 8.254.116.000.000 62.09%
2022 10.538.233.000.000 21.67%
2023 2.601.357.000.000 -305.11%
2023 8.177.296.000.000 68.19%
2024 1.873.089.000.000 -336.57%

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 Rakyat Indonesia (Persero) Tbk Equity
Year Equity Growth
2005 13.352.982.000.000
2006 16.878.808.000.000 20.89%
2007 19.437.635.000.000 13.16%
2008 22.356.697.000.000 13.06%
2009 27.257.381.000.000 17.98%
2010 36.673.110.000.000 25.67%
2011 49.820.329.000.000 26.39%
2012 64.881.779.000.000 23.21%
2013 79.327.422.000.000 18.21%
2014 97.737.429.000.000 18.84%
2015 113.127.179.000.000 13.6%
2016 146.812.590.000.000 22.94%
2017 167.347.494.000.000 12.27%
2018 185.275.331.000.000 9.68%
2019 208.784.336.000.000 11.26%
2020 199.911.376.000.000 -4.44%
2021 291.786.804.000.000 31.49%
2022 303.395.317.000.000 3.83%
2023 311.533.824.000.000 2.61%
2023 316.472.142.000.000 1.56%
2024 311.730.542.000.000 -1.52%

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 Rakyat Indonesia (Persero) Tbk Assets
Year Assets Growth
2005 122.775.579.000.000
2006 154.725.486.000.000 20.65%
2007 203.734.938.000.000 24.06%
2008 246.076.896.000.000 17.21%
2009 316.947.029.000.000 22.36%
2010 404.285.602.000.000 21.6%
2011 469.899.284.000.000 13.96%
2012 551.336.790.000.000 14.77%
2013 626.182.926.000.000 11.95%
2014 801.955.021.000.000 21.92%
2015 878.426.312.000.000 8.71%
2016 1.003.644.426.000.000 12.48%
2017 1.126.248.442.000.000 10.89%
2018 1.296.898.292.000.000 13.16%
2019 1.416.758.840.000.000 8.46%
2020 1.511.804.628.000.000 6.29%
2021 1.678.097.734.000.000 9.91%
2022 1.865.639.010.000.000 10.05%
2023 1.851.964.853.000.000 -0.74%
2023 1.965.007.030.000.000 5.75%
2024 1.977.371.465.000.000 0.63%

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 Rakyat Indonesia (Persero) Tbk Liabilities
Year Liabilities Growth
2005 109.422.597.000.000
2006 137.846.678.000.000 20.62%
2007 184.297.303.000.000 25.2%
2008 223.720.199.000.000 17.62%
2009 289.689.648.000.000 22.77%
2010 367.612.492.000.000 21.2%
2011 420.078.955.000.000 12.49%
2012 486.455.011.000.000 13.64%
2013 546.855.504.000.000 11.05%
2014 704.217.592.000.000 22.35%
2015 765.299.133.000.000 7.98%
2016 856.831.836.000.000 10.68%
2017 958.900.948.000.000 10.64%
2018 1.111.622.961.000.000 13.74%
2019 1.207.974.504.000.000 7.98%
2020 1.311.893.252.000.000 7.92%
2021 1.386.310.930.000.000 5.37%
2022 1.562.243.693.000.000 11.26%
2023 1.540.431.029.000.000 -1.42%
2023 1.648.534.888.000.000 6.56%
2024 1.665.640.923.000.000 1.03%

PT Bank Rakyat Indonesia (Persero) Tbk Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1270.77
Net Income per Share
400.47
Price to Earning Ratio
12.49x
Price To Sales Ratio
3.93x
POCF Ratio
7.84
PFCF Ratio
8.6
Price to Book Ratio
2.46
EV to Sales
4.15
EV Over EBITDA
11.76
EV to Operating CashFlow
8.27
EV to FreeCashFlow
9.07
Earnings Yield
0.08
FreeCashFlow Yield
0.12
Market Cap
753.870 Bil.
Enterprise Value
795.059 Bil.
Graham Number
4275.62
Graham NetNet
-10631.04

Income Statement Metrics

Net Income per Share
400.47
Income Quality
1.59
ROE
0.2
Return On Assets
0.03
Return On Capital Employed
0.08
Net Income per EBT
0.78
EBT Per Ebit
1.08
Ebit per Revenue
0.37
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.12
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.37
Pretax Profit Margin
0.41
Net Profit Margin
0.32

Dividends

Dividend Yield
0.06
Dividend Yield %
6.38
Payout Ratio
0.8
Dividend Per Share
319

Operating Metrics

Operating Cashflow per Share
637.6
Free CashFlow per Share
581.41
Capex to Operating CashFlow
0.09
Capex to Revenue
0.04
Capex to Depreciation
1.9
Return on Invested Capital
0.11
Return on Tangible Assets
0.03
Days Sales Outstanding
198.38
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.84
Payables Turnover
0
Inventory Turnover
0
Capex per Share
56.19

Balance Sheet

Cash per Share
487,13
Book Value per Share
2.067,53
Tangible Book Value per Share
1846.56
Shareholders Equity per Share
2028.84
Interest Debt per Share
1579.19
Debt to Equity
0.61
Debt to Assets
0.09
Net Debt to EBITDA
0.61
Current Ratio
0.27
Tangible Asset Value
278.414 Bil.
Net Current Asset Value
-1.386.463 Bil.
Invested Capital
-6.56955671E+14
Working Capital
-750.960 Bil.
Intangibles to Total Assets
0.02
Average Receivables
98.301 Bil.
Average Payables
2.851 Bil.
Average Inventory
-2.36662438E+14
Debt to Market Cap
0.25

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 Rakyat Indonesia (Persero) Tbk Dividends
Year Dividends Growth
2004 84
2005 153 44.74%
2006 156 2.56%
2007 173 9.83%
2008 196 11.73%
2009 211 6.67%
2010 178 -17.98%
2011 70 -154.29%
2012 122 42.62%
2013 225 45.78%
2014 257 12.45%
2015 295 12.59%
2016 283 -3.89%
2017 390 27.25%
2018 107 -266.98%
2019 132 19.7%
2020 168 21.43%
2021 99 -71.43%
2022 174 43.68%
2023 288 39.58%
2024 319 9.72%

PT Bank Rakyat Indonesia (Persero) Tbk Profile

About PT Bank Rakyat Indonesia (Persero) Tbk

PT Bank Rakyat Indonesia (Persero) Tbk provides various banking products and services in Indonesia, Singapore, Timor Leste, Hong Kong, Taiwan, Singapore, and the United States. The company offers current and savings accounts; time deposits; house, micro business, working capital, investment, food, warehouse receipt, partnership, franchise, and cash collateral loans; and supply chain financing solutions. It also provides banking services, such as bill payment, deposit, online transaction, money transfer, and remittance services; investment products, such as pension and mutual funds, and retail bonds and retail sukuk products; import and export services; letter of credits; and BRI RTE online system and money changer services. In addition, the company offers Internet banking and merchant services; credit cards; wealth management services; business guarantee and clearing business services; financial and institutional business banking services; and treasury, custodian, trustee, and cash management services. PT Bank Rakyat Indonesia (Persero) Tbk was founded in 1895 and is headquartered in Jakarta, Indonesia.

CEO
Mr. - Sunarso
Employee
80.257
Address
Gedung BRI
Jakarta, 10210

PT Bank Rakyat Indonesia (Persero) Tbk Executives & BODs

PT Bank Rakyat Indonesia (Persero) Tbk Executives & BODs
# Name Age
1 Mr. - Sunarso
President Director
70
2 Ms. Viviana Dyah Ayu Retno K.
Director of Finance & Director
70
3 Yulianto Setiawan
Head of Financial & Management Accounting Division
70
4 Ms. Rustarti Suri Pertiwi
Head of Investor Relation Division
70
5 Mr. Ahmad Solichin Lutfiyanto
Director of Compliance & Director
70
6 Koes Hariyono
Head of Legal Division
70
7 Prilly Savitri
Head of Marketing & Communication
70
8 Mr. Agus Winardono
Director of Human Capital & Director
70
9 Mr. Amam Sukriyanto
Director of Commercial, Small & Medium Business and Director
70
10 Mr. Agus Noorsanto
Wholesale & Institutional Business Director and Director
70

PT Bank Rakyat Indonesia (Persero) Tbk Competitors