1. Indonesia Stocks

  2. •

    Finance

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    Major banks
PT Bank Raya Indonesia Tbk

PT Bank Raya Indonesia Tbk

IIDX:AGRO
117.00
IDR
+5.00
(+4.46%)
3.31TMarket Cap
PT Bank Raya Indonesia Tbk
IDX:AGRO
(Indonesia Stock Exchange)

Recent

price

117.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
41.51
41.48
55.87
44.47
36.39
38.93
37.62
33.37
35.98
36.76
33.68
47.91
56.95
37.12
45.39
35.87
- -
Revenue per Share
3.65
8.27
8.13
9.15
7.26
7.74
8.09
8.31
10.27
2.34
1.43
-141.52
0.5
0.98
2.06
-20.2
- -
Basic EPS, GAAP
13.98
128.54
-11.15
-52.75
26.2
-4.71
46.34
-48.59
135
-121.01
34.4
-54.78
-1.54
-37.3
17.86
13.01
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
1.26
0.58
1.23
1.16
2.69
1.87
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
72.27
85.6
91.58
101.43
109.29
107.22
114.99
169.94
202.81
205.45
196.55
108.05
136.99
138.25
139.71
122.04
118.18
Book Value per Share
72.27
85.6
91.58
100.77
107.89
105.91
107.3
161.5
195.73
198.36
189.09
101
130.08
130.14
130.95
112.14
108.21
Tangible Book Value per Share
3,839
3,973
4,061
5,730
8,186
10,400
12,728
16,908
19,884
21,815
21,815
21,521
22,750
24,740
24,740
24,683
24,672
Basic Weighted Avg Shares
159,364
164,769
226,876
254,781
297,873
404,898
478,812
564,217
715,458
801,840
734,817
1,031,152
1,295,547
918,310
1,123,056
885,444
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
3,791
4,402
5,357
7,024
7,733
12,223
13,128
13,965
13,922
22,963
25,809
40,244
60,521
65,892
73,390
- -
Depreciation Expense
14,027
32,856
33,027
52,440
59,408
80,492
103,003
140,496
204,213
51,061
31,261
-3,045,701
11,461
24,351
50,892
-498,613
- -
Net Income, GAAP
27.63
26.96
35.83
26.75
27.46
27.35
27.09
27.44
30.19
31.18
51.21
- -
90.14
81.03
8.04
- -
- -
Effective Tax Rate (%)
8.8
19.94
14.56
20.58
19.94
19.88
21.51
24.9
28.54
6.37
4.25
-295.37
0.88
2.65
4.53
-56.31
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
243,012
241,458
176,220
- -
- -
- -
- -
497,965
498,537
499,159
258,463
258,221
110,526
90,777
53,492
39,949
32,814
LT Debt
278,286
347,616
371,925
830,336
894,681
1,352,412
1,936,252
3,111,285
4,424,286
4,481,704
4,287,690
2,457,663
3,389,087
3,420,250
3,453,365
3,011,336
2,915,427
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
3.24
5.92
5.81
7.61
6.89
7.16
6.26
5.07
4.79
1.03
0.66
- -
0.37
0.69
1.45
- -
- -
Return on Capital (%)
5.27
10.5
9.18
8.72
6.89
7.16
6.26
5.57
5.42
1.15
0.71
-90.31
0.39
0.72
1.48
-15.43
- -
Return on Common Equity (%)

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
24,675
24,670
24,670
Market Capitalization
5,675,210
4,243,164
3,305,721

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,196,448
857,632
1,206,894
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.73%
-3.14%
-12.8%
Free Cash Flow
-29.4%
400.59%
-27.32%
Net Income, GAAP
-1,080.56%
-2,160.31%
-1,079.75%
Sales/Revenue/Turnover
10.46%
7.6%
-21.16%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
318,229
274,593
216,225
315,468
1,123,056
2025
211,020
202,791
- -
250,603
885,444
2026
243,146
229,443
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.37
0.44
0.56
0.69
2.06
2025
0.68
0.65
- -
-21.91
-20.2
2026
0.28
0.21
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
PT Bank Raya Indonesia Tbk PT Bank Raya Indonesia Tbk operates as a digital bank and subsidiary of PT Bank Rakyat Indonesia (Persero) Tbk, providing comprehensive digital financial solutions with wide accessibility to the Indonesian population, focusing on micro, small, and mass market segments through end-to-end digital platforms. Founded in 1989 and headquartered in South Jakarta at Menara BRILiaN, Jl. Gatot Subroto No. 177A, the company offers core products and services including Tabungan Raya savings accounts with various Saku features for budgeting, collective saving, and transactions; personal loans for daily needs and emergencies via Pinang products; business loans such as Pinang Dana Talangan for BRILink and pawn agents, Pinang Flexi for BRI Group payroll customers, and Pinang Maksima for business expansion; Pinjaman Bisnis with flexible limits and tenors; digital payment solutions encompassing transfers, cash withdrawals, e-wallet top-ups, bill payments, QRIS transactions, and Visa Virtual Cards for domestic and international e-commerce; as well as enhanced security via PIN and facial recognition, financial literacy tools through Raya Apps, and community-based features like group arisan. The bank maintains a hybrid network distribution synergizing with BRI Group's offline infrastructure and partners, operates nationwide with branches, sub-branches, and cash offices across Indonesia, and emphasizes customer-centric digital banking in consumer, retail, micro, and small business segments. Recent developments include positive Q3 2025 performance with total credit growth to Rp7.27 trillion (7.1% yoy), driven by digital loan disbursements like Rp17.56 trillion in Pinang Dana Talangan (47.9% yoy growth); launches of Visa Virtual Card and Saku Bareng for community saving; share buyback realization of 22.8 million shares worth up to Rp20 billion approved in August 2024 for the Management and Employee Stock Option Programme (MESOP), with ongoing execution through August 2025; expansions in UMKM support via seven Unggulan Clusters for sales infrastructure; community initiatives like Raya Run events engaging over 2,000 runners; and awards such as Top 3 Digital Bank with Prima Services by Infobank 2025, Best CX-EX Strategy, and Inclusive Finance recognition.