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  2. •

    Finance

  3. •

    Regional banks
PT Bank Capital Indonesia Tbk

PT Bank Capital Indonesia Tbk

IIDX:BACA
94.00
IDR
+1.00
(+1.08%)
6.77EPS
14.63P/E
1.98TMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
42.07
38.73
50.52
61.31
62.55
82.25
78.53
51.12
63.63
27.33
32.57
46.33
61.53
65.54
Basic EPS, GAAP
14.29
11.71
14.19
13.28
12.24
15.09
2.25
8.68
4.91
1.61
5.1
5.48
6.31
6.77
Free Cash Flow per Basic Share
21.32
106.63
118.89
-29.14
145.17
195.79
-315.03
-29.5
462.94
-237.34
-77.79
-101.46
79.08
-30.32
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
141.66
151.9
164.48
186.85
200.07
210.03
217.48
232.02
299.91
164.76
169.92
331.93
338.54
341.32
Tangible Book Value per Share
141.66
151.9
164.48
186.85
200.07
210.03
217.48
232.02
299.91
164.76
169.92
331.93
338.54
341.32
Basic Weighted Avg Shares
4,932
6,397
6,402
7,038
7,039
7,056
7,070
7,071
7,079
19,953
19,953
19,953
19,953
19,953
Sales/Revenue/Turnover
207,485
247,755
323,443
431,471
440,287
580,359
555,217
361,462
450,462
545,283
649,957
924,393
1,227,767
1,307,800
Operating Margin (%)
- -
- -
- -
30.89
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
10,599
11,251
10,516
28,153
28,682
30,021
38,907
53,694
66,532
67,887
60,992
52,775
56,177
64,412
Net Income, GAAP
70,477
74,901
90,823
93,457
86,140
106,500
15,886
61,414
34,785
32,129
101,767
109,378
125,985
134,997
Effective Tax Rate (%)
24.5
24.63
24.09
25.84
24.92
25.04
33.67
22.22
28.56
22.48
22.1
23.77
22.83
22.88
Profit Margin (%)
33.97
30.23
28.08
21.66
19.56
18.35
2.86
16.99
7.72
5.89
15.66
11.83
10.26
10.32
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
194,166
438,478
683,162
685,837
689,250
751,992
730,252
532,848
271,283
53,301
44,051
33,576
Total Equity
906,236
971,788
1,053,416
1,315,040
1,408,386
1,484,963
1,537,640
1,640,391
2,122,771
3,287,537
3,390,320
6,623,017
6,754,864
6,810,367
Return on Invested Capital (%)
- -
- -
- -
6.51
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.01
7.98
8.18
6.23
4.48
5
0.72
2.66
1.33
0.96
2.72
2.12
1.87
1.99
Return on Common Equity (%)
9.01
7.98
8.97
7.89
6.33
7.36
1.05
3.86
1.85
1.19
3.05
2.18
1.88
2

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
19,953
19,953
19,953
Market Capitalization
4,669,008
2,593,893
1,975,349

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,776,502
3,074,190
2,045,754
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
23.24%
36.95%
1.99%
Free Cash Flow
-317.2%
-426.03%
-177.94%
Net Income, GAAP
40.86%
37.68%
15.18%
Sales/Revenue/Turnover
16.79%
27.98%
32.82%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
195,875
231,639
250,332
246,547
924,393
2025
241,879
304,781
- -
381,806
1,227,767
2026
305,814
315,399
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.63
1.26
2.15
1.44
5.48
2025
1
0.88
- -
3.17
6.31
2026
1.27
1.45
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Kurniawan Halim
Full Time Employees
827
Sector
Finance
Industry
Regional banks
Address
Gedung Menara Jamsostek Menara Utara Jakarta JK Indonesia 12710
IPO Date
Oct 3, 2007
Website
bankcapital.co.id
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Business
PT Bank Capital Indonesia Tbk delivers a broad spectrum of financial offerings and services across the Indonesian archipelago. The institution provides various deposit solutions, including diverse current accounts, an array of savings plans such as Capital Extra, Capital Premier Personal, Capital Premier Bisnis, Tabunganku, and Simpanan Pelajar, alongside time deposits. For financing needs, the bank offers extensive credit products like mortgage, vehicle, and multi-purpose loans, in addition to overdraft facilities, demand loans, money market lines, and term financing. Its comprehensive suite of other services encompasses ATM and debit cards, secure deposit boxes, seamless online fund transfers, collection and clearing services, foreign exchange, support for export and import transactions, remittance, payroll management, and sophisticated internet and mobile banking platforms, including Virtual Account services and QRIS functionality. The bank actively drives digital innovation to enhance products and customer experiences. In a recent strategic move, a capital injection in early 2025 elevated the bank to the KBMI II category, signifying substantial core capital, and it now operates through approximately 70 branches nationwide. Established in 1989, the company adopted its current name in September 2004, having previously been known as PT Bank Credit Lyonnais Indonesia, and maintains its headquarters in Jakarta Selatan, Indonesia.