BKRK.Y Stock Overview

Provides various banking products and services in Indonesia and internationally. More details

BKRK.Y fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	3/6
Past Performance	3/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 26.8% below our estimate of its fair value

Earnings are forecast to grow 8.76% per year

Earnings grew by 9.2% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Dividend of 7.58% is either not well covered by earnings currently or not forecast to be covered

Large one-off items impacting financial results

My Notes

Capture your thoughts, links and company narrative

PT Bank Rakyat Indonesia (Persero) Tbk Competitors

Fifth Third Bancorp

NasdaqGS:FITB

US$28.4b

U.S. Bancorp

NYSE:USB

US$74.6b

PNC Financial Services Group

NYSE:PNC

US$76.5b

Credicorp

NYSE:BAP

US$14.6b

Price History & Performance

Summary of share price highs, lows and changes for Bank Rakyat Indonesia (Persero)
Historical stock prices
Current Share Price	Rp12.80
52 Week High	Rp21.35
52 Week Low	Rp12.00
Beta	0.61
1 Month Change	-2.81%
3 Month Change	-17.68%
1 Year Change	-29.82%
3 Year Change	-11.60%
5 Year Change	-18.76%
Change since IPO	328.45%

Recent updates

Shareholder Returns

	BKRK.Y	US Banks	US Market
7D	-0.6%	-1.7%	-2.8%
1Y	-29.8%	28.6%	24.1%

Return vs Industry: BKRK.Y underperformed the US Banks industry which returned 28.9% over the past year.

Return vs Market: BKRK.Y underperformed the US Market which returned 24.5% over the past year.

Price Volatility

Is BKRK.Y's price volatile compared to industry and market?
BKRK.Y volatility
BKRK.Y Average Weekly Movement	4.0%
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	18.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: BKRK.Y has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: BKRK.Y's weekly volatility (4%) 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?
BKRK.Y fundamental statistics
Market cap	US$39.16b
Earnings (TTM)	US$3.78b
Revenue (TTM)	US$8.34b

10.4x

P/E Ratio

2.0x

P/B Ratio

Is BKRK.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BKRK.Y 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 BKRK.Y perform over the long term?

See historical performance and comparison

Dividends

7.6%

Current Dividend Yield

0%

Payout Ratio

Does BKRK.Y pay a reliable dividends?

See BKRK.Y dividend history and benchmarks

When do you need to buy BKRK.Y by to receive an upcoming dividend?
Bank Rakyat Indonesia (Persero) dividend dates
Ex Dividend Date	Dec 30 2024
Dividend Pay Date	Jan 30 2025
Days until Ex dividend	5 days
Days until Dividend pay date	26 days

Does BKRK.Y pay a reliable dividends?

See BKRK.Y dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/02 10:29
End of Day Share Price	2025/01/02 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

PT Bank Rakyat Indonesia (Persero) Tbk is covered by 43 analysts. 19 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
Anish Tawakley	Barclays
Wannapa Asavatevavith	BNP Paribas Securities (Asia)
Anand Swaminathan	BofA Global Research