BZG Stock Overview

Provides banking products and other financial services to individual, corporate, and small and medium enterprise customers in Indonesia and internationally. More details

BZG fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	3/6
Past Performance	5/6
Financial Health	6/6
Dividends	5/6

Rewards

Earnings are forecast to grow 7.64% per year

Earnings grew by 12.2% over the past year

Pays a reliable dividend of 3.1%

Risk Analysis

No risks detected for BZG from our risk checks.

Community vs My Fair Value

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PT Bank Central Asia Tbk Competitors

Price History & Performance

Summary of share price highs, lows and changes for Bank Central Asia
Historical stock prices
Current Share Price	Rp12.10
52 Week High	Rp15.70
52 Week Low	Rp9.90
Beta	0.34
1 Month Change	16.35%
3 Month Change	-4.72%
1 Year Change	-6.92%
3 Year Change	5.22%
5 Year Change	n/a
Change since IPO	49.38%

Recent updates

Shareholder Returns

	BZG	DE Banks	DE Market
7D	5.2%	1.2%	0.5%
1Y	-6.9%	32.6%	15.8%

Return vs Industry: BZG underperformed the German Banks industry which returned 32.6% over the past year.

Return vs Market: BZG underperformed the German Market which returned 15.8% over the past year.

Price Volatility

Is BZG's price volatile compared to industry and market?
BZG volatility
BZG Average Weekly Movement	7.5%
Banks Industry Average Movement	4.8%
Market Average Movement	6.5%
10% most volatile stocks in DE Market	12.8%
10% least volatile stocks in DE Market	3.1%

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

Volatility Over Time: BZG's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1955	27,758	Hendra Lembong	www.bca.co.id

PT Bank Central Asia Tbk, together with its subsidiaries, provides banking products and other financial services to individual, corporate, and small and medium enterprise customers in Indonesia and internationally. It operates through Transaction Banking, Corporate Banking, Commercial & Small & Medium Enterprise SME Banking, Individual Banking, and Treasury and International Banking segments. The company offers various products and services, such as individual and business saving, deposit, loan, and electronic money accounts; wealth management services; credit cards; and business collection and investment services.

PT Bank Central Asia Tbk Fundamentals Summary

How do Bank Central Asia's earnings and revenue compare to its market cap?
BZG fundamental statistics
Market cap	€64.73b
Earnings (TTM)	€3.05b
Revenue (TTM)	€5.86b

21.3x

P/E Ratio

4.8x

P/B Ratio

Is BZG overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BZG income statement (TTM)
Revenue	Rp108.04t
Cost of Revenue	Rp2.10t
Gross Profit	Rp105.94t
Other Expenses	Rp49.84t
Earnings	Rp56.10t

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	455.11
Gross Margin	98.06%
Net Profit Margin	51.93%
Debt/Equity Ratio	1.7%

How did BZG perform over the long term?

See historical performance and comparison

Dividends

3.1%

Current Dividend Yield

66%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/23 03:33
End of Day Share Price	2025/05/23 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

PT Bank Central Asia Tbk is covered by 45 analysts. 20 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Thomas Quarmby	Barclays
Anish Tawakley	Barclays
Wannapa Asavatevavith	BNP Paribas Securities (Asia)

Bank Central Asia DB:BZG Stock Report