OTCPK:PBCR.Y

Stock Analysis Report

Executive Summary

PT Bank Central Asia Tbk provides banking products and services to individual, corporate, and small and medium enterprise customers in Indonesia and internationally.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.


Similar Companies

Share Price & News

How has Bank Central Asia's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

2.0%

PBCR.Y

4.8%

US Banks

2.3%

US Market


1 Year Return

45.9%

PBCR.Y

0.04%

US Banks

5.6%

US Market

Return vs Industry: PBCR.Y exceeded the US Banks industry which returned 0% over the past year.

Return vs Market: PBCR.Y exceeded the US Market which returned 5.6% over the past year.


Shareholder returns

PBCR.YIndustryMarket
7 Day2.0%4.8%2.3%
30 Day2.8%-0.5%-1.0%
90 Day-1.5%2.0%-0.7%
1 Year47.1%45.9%2.9%0.04%7.9%5.6%
3 Year82.4%77.9%51.5%41.1%45.6%36.3%
5 Year123.9%115.0%70.9%52.3%65.8%47.6%

Price Volatility Vs. Market

How volatile is Bank Central Asia's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank Central Asia undervalued compared to its fair value and its price relative to the market?

28.07x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: PBCR.Y ($55.73) is trading above our estimate of fair value ($28.12)

Significantly Undervalued: PBCR.Y is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: PBCR.Y is poor value based on its PE Ratio (28.1x) compared to the Banks industry average (12.6x).

PE vs Market: PBCR.Y is poor value based on its PE Ratio (28.1x) compared to the US market (17.7x).


Price to Earnings Growth Ratio

Low PEG Ratio: PBCR.Y is poor value based on its PEG Ratio (2.3x)


Price to Book Ratio

PB vs Industry: PBCR.Y is overvalued based on its PB Ratio (4.8x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Bank Central Asia forecast to perform in the next 1 to 3 years based on estimates from 20 analysts?

12.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PBCR.Y's forecast earnings growth (12.1% per year) is above the savings rate (2.7%).

Earnings vs Market: PBCR.Y's earnings (12.1% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: PBCR.Y's earnings are forecast to grow, but not significantly.

Revenue vs Market: PBCR.Y's revenue (10.8% per year) is forecast to grow faster than the US market (7.3% per year).

High Growth Revenue: PBCR.Y's revenue (10.8% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: PBCR.Y's Return on Equity is forecast to be low in 3 years time (17.7%).


Next Steps

Past Performance

How has Bank Central Asia performed over the past 5 years?

11.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: PBCR.Y's earnings have grown by 11.3% per year over the past 5 years.

Accelerating Growth: PBCR.Y's earnings growth over the past year (12.8%) exceeds its 5-year average (11.3% per year).

Earnings vs Industry: PBCR.Y earnings growth over the past year (12.8%) underperformed the Banks industry 31.8%.


Return on Equity

High ROE: PBCR.Y's Return on Equity (17.1%) is considered low.


Return on Assets

ROA vs Industry: PBCR.Y has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate PBCR.Y's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Bank Central Asia's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: PBCR.Y has a low level of unsold assets or inventory.

Debt Coverage by Assets: PBCR.Y's debt is covered by short term assets (assets are 60.965910x debt).


Financial Institutions Analysis

Asset Level: PBCR.Y's level of assets compared to its equity is low.

Allowance for Bad Loans: PBCR.Y has a sufficient allowance for bad loans.

Low Risk Liabilities: PBCR.Y's liabilities are made up of primarily low risk sources of funding.

Loan Level: PBCR.Y has an acceptable proportion of non-loan assets held.

Low Risk Deposits: PBCR.Y's loans are broadly funded by customer deposits.

Level of Bad Loans: PBCR.Y has an appropriate level of bad loans (1.34%)


Next Steps

Dividend

What is Bank Central Asia's current dividend yield, its reliability and sustainability?

1.09%

Current Dividend Yield


Dividend Yield vs Market

company1.1%marketbottom25%1.5%markettop25%3.8%industryaverage3.0%forecastin3Years1.3%

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: PBCR.Y's dividend (1.09%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.46%).

High Dividend: PBCR.Y's dividend (1.09%) is low compared to the top 25% of dividend payers in the US market (3.76%).

Stable Dividend: PBCR.Y's dividends per share have been stable in the past 10 years.

Growing Dividend: PBCR.Y's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (23%), PBCR.Y's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: PBCR.Y's dividends in 3 years are forecast to be well covered by earnings (31.5% payout ratio).


Next Steps

Management

What is the CEO of Bank Central Asia's salary, the management and board of directors tenure and is there insider trading?

5.8yrs

Average management tenure


CEO

Jahja Setiaatmadja (63yo)

8.3yrs

Tenure

0

Mr. Jahja Setiaatmadja has been the President Director of PT Bank Central Asia Tbk (“BCA”) since June 7, 2011. He previously served as Deputy President Director of BCA (2005–2011), his latest responsibilit ...


Management Age and Tenure

5.8yrs

Average Tenure

58.5yo

Average Age

Experienced Management: PBCR.Y's management team is seasoned and experienced (5.8 years average tenure).


Board Age and Tenure

3.3yrs

Average Tenure

57.5yo

Average Age

Experienced Board: PBCR.Y's board of directors are considered experienced (3.3 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Jahja Setiaatmadja (63yo)

    President Director

    • Tenure: 8.3yrs
  • Suwignyo Budiman (68yo)

    Deputy President Director & Director of Individual Banking

    • Tenure: 0.5yrs
  • Inawaty Suwardi (67yo)

    Director of Compliance

    • Tenure: 3.2yrs
  • Wira Chandra (54yo)

    Executive Vice President of Group Corporate Banking & Corporate Finance

    • Tenure: 0yrs
  • Lianawaty Suwono (52yo)

    Director of Human Capital Management & Director

    • Tenure: 3.3yrs
  • Raymon Yonarto

    Executive VP and Head of Finance & Corporate Planning Division

    • Tenure: 0yrs
  • Lay Santoso

    Head of Corporate Finance Group

    • Tenure: 0yrs
  • Mira Wibowo

    Head of Transaction Banking Business Development & Marketing Division

    • Tenure: 0yrs
  • Hendra Tanumihardja (46yo)

    Head of Human Capital Management Division

    • Tenure: 3.2yrs
  • Gunewan Ruslie

    Head of Finance & Accounting

    • Tenure: 0yrs

Board Members

  • Jahja Setiaatmadja (63yo)

    President Director

    • Tenure: 8.3yrs
  • Suwignyo Budiman (68yo)

    Deputy President Director & Director of Individual Banking

    • Tenure: 0.5yrs
  • Inawaty Suwardi (67yo)

    Director of Compliance

    • Tenure: 3.2yrs
  • Rudy Susanto (56yo)

    Corporate Banking Director & Director

    • Tenure: 5.3yrs
  • Armand Hartono (43yo)

    Deputy President Director

    • Tenure: 3.3yrs
  • Erwan Ang (59yo)

    Director of Regional & Branch Networks and Independent Director

    • Tenure: 8.2yrs
  • Henry Koenaifi (59yo)

    Director of SME & Commercial Banking and Director

    • Tenure: 12.8yrs
  • Lianawaty Suwono (52yo)

    Director of Human Capital Management & Director

    • Tenure: 3.3yrs
  • Charles Santoso (53yo)

    Director of Transaction Banking & Director

    • Tenure: 3.2yrs
  • Vera Lim (53yo)

    Finance Director

    • Tenure: 1.5yrs

Company Information

PT Bank Central Asia Tbk's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PT Bank Central Asia Tbk
  • Ticker: PBCR.Y
  • Exchange: OTCPK
  • Founded: 1955
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: Rp758.493t
  • Listing Market Cap: Rp53.475b
  • Shares outstanding: 24.41b
  • Website: https://www.bca.co.id

Number of Employees


Location

  • PT Bank Central Asia Tbk
  • Menara BCA
  • Grand Indonesia
  • Jakarta
  • 10310
  • Indonesia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BBCAIDX (Indonesia Stock Exchange)YesCommon SharesIDIDRMay 2000
PBCR.FOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDMay 2000
BZG2DB (Deutsche Boerse AG)YesCommon SharesDEEURMay 2000
PBCR.YOTCPK (Pink Sheets LLC)UNSPONSORD ADRUSUSDJan 2012

Biography

PT Bank Central Asia Tbk provides banking products and services to individual, corporate, and small and medium enterprise customers in Indonesia and internationally. It offers deposits accounts, loans, tra ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/17 00:10
End of Day Share Price2019/10/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.