PBCR.Y Stock Overview

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

PBCR.Y fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	2/6
Past Performance	5/6
Financial Health	6/6
Dividends	5/6

Rewards

Earnings are forecast to grow 7.65% per year

Earnings grew by 12.2% over the past year

Pays a reliable dividend of 3.32%

Risk Analysis

No risks detected for PBCR.Y from our risk checks.

Community vs My Fair Value

Create Narrative

Select a narrative for quick price alerts from the community, or create your own.

PT Bank Central Asia Tbk Competitors

U.S. Bancorp

NYSE:USB

US$64.6b

PNC Financial Services Group

NYSE:PNC

US$65.5b

Citigroup

NYSE:C

US$132.4b

Nu Holdings

NYSE:NU

US$60.1b

Price History & Performance

Summary of share price highs, lows and changes for Bank Central Asia
Historical stock prices
Current Share Price	Rp14.00
52 Week High	Rp18.28
52 Week Low	Rp11.27
Beta	0.34
1 Month Change	15.04%
3 Month Change	-0.14%
1 Year Change	-6.73%
3 Year Change	10.24%
5 Year Change	60.15%
Change since IPO	199.15%

Recent updates

Shareholder Returns

	PBCR.Y	US Banks	US Market
7D	6.4%	1.7%	0.8%
1Y	-6.7%	15.8%	7.2%

Return vs Industry: PBCR.Y underperformed the US Banks industry which returned 16.7% over the past year.

Return vs Market: PBCR.Y underperformed the US Market which returned 8.2% over the past year.

Price Volatility

Is PBCR.Y's price volatile compared to industry and market?
PBCR.Y volatility
PBCR.Y Average Weekly Movement	7.7%
Banks Industry Average Movement	4.7%
Market Average Movement	7.8%
10% most volatile stocks in US Market	16.3%
10% least volatile stocks in US Market	4.1%

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

Volatility Over Time: PBCR.Y's weekly volatility (8%) 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?
PBCR.Y fundamental statistics
Market cap	US$67.63b
Earnings (TTM)	US$3.41b
Revenue (TTM)	US$6.57b

19.8x

P/E Ratio

4.5x

P/B Ratio

Is PBCR.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

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

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

66%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/06 07:55
End of Day Share Price	2025/05/06 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 OTCPK:PBCR.Y Stock Report