PT Bank Central Asia Tbk

OTCPK:PBCR.F Stock Report

Market Cap: US$69.2b

Bank Central Asia Valuation

Is PBCR.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of PBCR.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
US$0.57
Fair Value
0.9% overvalued intrinsic discount
22
Number of Analysts

Below Fair Value: PBCR.F ($0.58) is trading above our estimate of fair value ($0.57)

Significantly Below Fair Value: PBCR.F is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PBCR.F?

Key metric: As PBCR.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for PBCR.F. This is calculated by dividing PBCR.F's market cap by their current earnings.
What is PBCR.F's PE Ratio?
PE Ratio20.6x
EarningsRp54.84t
Market CapRp1131.05t

Price to Earnings Ratio vs Peers

How does PBCR.F's PE Ratio compare to its peers?

The above table shows the PE ratio for PBCR.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.3x
USB U.S. Bancorp
12.5x7.9%US$73.1b
PNC PNC Financial Services Group
14.2x9.6%US$78.3b
C Citigroup
12.9x16.9%US$149.4b
FITB Fifth Third Bancorp
13.6x6.2%US$29.2b
PBCR.F Bank Central Asia
20.6x8.3%US$1131.0t

Price-To-Earnings vs Peers: PBCR.F is expensive based on its Price-To-Earnings Ratio (20.6x) compared to the peer average (13.3x).

Price to Earnings Ratio vs Industry

How does PBCR.F's PE Ratio compare vs other companies in the US Banks Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
PBCR.F 20.6xIndustry Avg. 12.1xNo. of Companies93PE0612182430+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: PBCR.F is expensive based on its Price-To-Earnings Ratio (20.6x) compared to the US Banks industry average (11.9x).

Price to Earnings Ratio vs Fair Ratio

What is PBCR.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

PBCR.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio20.6x
Fair PE Ratio15.1x

Price-To-Earnings vs Fair Ratio: PBCR.F is expensive based on its Price-To-Earnings Ratio (20.6x) compared to the estimated Fair Price-To-Earnings Ratio (15.1x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst PBCR.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$0.58
US$0.72
+25.1%
5.7%US$0.77US$0.61n/a22
Jan ’26US$0.57
US$0.75
+32.0%
6.0%US$0.84US$0.64n/a22
Dec ’25US$0.67
US$0.76
+13.5%
5.9%US$0.86US$0.67n/a22
Nov ’25US$0.66
US$0.76
+16.0%
5.9%US$0.86US$0.67n/a22
Oct ’25US$0.67
US$0.77
+15.0%
4.6%US$0.87US$0.70n/a22
Sep ’25US$0.67
US$0.74
+10.6%
5.0%US$0.85US$0.68n/a22
Aug ’25US$0.68
US$0.69
+2.8%
3.8%US$0.74US$0.64n/a23
Jul ’25US$0.60
US$0.67
+11.6%
4.1%US$0.73US$0.62n/a24
Jun ’25US$0.57
US$0.67
+18.5%
4.5%US$0.74US$0.60n/a25
May ’25US$0.61
US$0.67
+11.4%
4.6%US$0.74US$0.60n/a25
Apr ’25US$0.62
US$0.69
+11.6%
4.6%US$0.77US$0.62n/a25
Mar ’25US$0.63
US$0.68
+9.4%
4.8%US$0.77US$0.62n/a25
Feb ’25US$0.57
US$0.68
+17.9%
4.9%US$0.76US$0.61US$0.5825
Jan ’25US$0.58
US$0.66
+15.4%
6.2%US$0.78US$0.58US$0.5724
Dec ’24US$0.60
US$0.65
+8.9%
5.2%US$0.74US$0.58US$0.6724
Nov ’24US$0.54
US$0.64
+19.2%
5.1%US$0.72US$0.57US$0.6625
Oct ’24US$0.56
US$0.65
+16.3%
5.7%US$0.75US$0.56US$0.6723
Sep ’24US$0.58
US$0.65
+11.9%
5.4%US$0.75US$0.56US$0.6725
Aug ’24US$0.63
US$0.66
+5.8%
6.0%US$0.76US$0.55US$0.6825
Jul ’24US$0.61
US$0.65
+6.4%
6.6%US$0.77US$0.55US$0.6025
Jun ’24US$0.61
US$0.65
+5.8%
6.6%US$0.77US$0.55US$0.5725
May ’24US$0.64
US$0.65
+1.7%
6.2%US$0.78US$0.55US$0.6124
Apr ’24US$0.59
US$0.63
+6.8%
7.5%US$0.77US$0.52US$0.6224
Mar ’24US$0.56
US$0.63
+13.5%
7.5%US$0.77US$0.52US$0.6324
Feb ’24US$0.57
US$0.63
+10.4%
7.5%US$0.77US$0.52US$0.5724
Analyst Price Target
Consensus Narrative from 22 Analysts
US$0.75
Fair Value
22.6% undervalued intrinsic discount
22
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/04 09:37
End of Day Share Price 2025/02/04 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 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.

AnalystInstitution
Thomas QuarmbyBarclays
Anish TawakleyBarclays
Wannapa AsavatevavithBNP Paribas Securities (Asia)