Bank Rakyat Indonesia (Persero) (DB:BYR) - Stock Price, News & Analysis

BYR Stock Overview

Provides various banking products and services in Indonesia and internationally.

BYR fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	3/6
Past Performance	2/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 26.2% below our estimate of its fair value

Earnings are forecast to grow 9.59% per year

Earnings have grown 20.7% per year over the past 5 years

Risk Analysis

Dividend of 7.01% is either not well covered by earnings currently or not forecast to be covered

Large one-off items impacting financial results

PT Bank Rakyat Indonesia (Persero) Tbk Competitors

Commerzbank

XTRA:CBK

€19.0b

ProCredit Holding

XTRA:PCZ

€478.3m

Merkur PrivatBank KgaA

XTRA:MBK

€113.6m

China CITIC Bank

SEHK:998

HK$364.5b

Price History & Performance

Summary of all time highs, changes and price drops for Bank Rakyat Indonesia (Persero)
Historical stock prices
Current Share Price	Rp12.90
52 Week High	Rp16.30
52 Week Low	Rp11.50
Beta	0.60
11 Month Change	-5.84%
3 Month Change	2.38%
1 Year Change	n/a
33 Year Change	n/a
5 Year Change	n/a
Change since IPO	-19.38%

Recent updates

Shareholder Returns

	BYR	DE Banks	DE Market
7D	-4.4%	1.3%	-1.4%
1Y	n/a	27.4%	11.8%

Return vs Industry: Insufficient data to determine how BYR performed against the German Banks industry.

Return vs Market: Insufficient data to determine how BYR performed against the German Market.

Price Volatility

Is BYR's price volatile compared to industry and market?
BYR volatility
BYR Average Weekly Movement	5.8%
Banks Industry Average Movement	2.9%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.6%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: BYR has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: BYR's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1895	80,302	- Sunarso	bri.co.id

PT Bank Rakyat Indonesia (Persero) Tbk provides various banking products and services in Indonesia and internationally. The company offers savings and current accounts; foreign currency, on call, and other deposits; mortgage, working capital, investment, franchise, and cash collateral loans, as well as supply chain financing and bank guarantees; and micro, small and medium, and program loans. It also provides bill payment, deposit acceptance, online transaction, remittance, money transfer, business, financial, institutional, treasury and global, custodian, trustee, and cash management services.

PT Bank Rakyat Indonesia (Persero) Tbk Fundamentals Summary

How do Bank Rakyat Indonesia (Persero)'s earnings and revenue compare to its market cap?
BYR fundamental statistics
Market cap	€40.35b
Earnings (TTM)	€3.60b
Revenue (TTM)	€7.95b

11.2x

P/E Ratio

2.1x

P/B Ratio

Is BYR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BYR income statement (TTM)
Revenue	Rp135.12t
Cost of Revenue	Rp3.86t
Gross Profit	Rp131.26t
Other Expenses	Rp70.09t
Earnings	Rp61.17t

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	406.06
Gross Margin	97.14%
Net Profit Margin	45.27%
Debt/Equity Ratio	53.0%

How did BYR perform over the long term?

See historical performance and comparison

Dividends

7.0%

Current Dividend Yield

0%

Payout Ratio

Bank Rakyat Indonesia (Persero) DB:BYR Stock Report