1. Indonesia Stocks

  2. •

    Finance

  3. •

    Regional banks
PT Krom Bank Indonesia Tbk

PT Krom Bank Indonesia Tbk

IIDX:BBSI
3,570.00
IDR
-10.00
(-0.28%)
76.62EPS
61.99P/E
17.45TMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
16.79
25.16
34.04
40.88
117.19
263.27
506.34
898.41
Basic EPS, GAAP
7.83
14.17
20.71
21.58
36.08
33.76
38.99
76.62
Free Cash Flow per Basic Share
-15.15
-187.88
-324.76
-208.81
-38.83
124.9
27.17
253.49
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
176.37
309.24
653.71
926.85
869.55
903.48
942.21
970.24
Tangible Book Value per Share
118.57
258.8
652.95
926.1
865.45
891.49
919.29
949.54
Basic Weighted Avg Shares
2,843
2,483
3,173
3,467
3,675
3,675
3,675
3,675
Sales/Revenue/Turnover
47,731
62,481
107,999
141,734
430,646
967,448
1,860,649
3,301,412
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
992
1,324
2,002
2,582
2,972
8,874
19,439
35,291
Net Income, GAAP
22,262
35,176
65,718
74,812
132,570
124,060
143,285
281,569
Effective Tax Rate (%)
25.03
22.03
22.35
22.56
23.04
22.63
22.25
22.13
Profit Margin (%)
46.64
56.3
60.85
52.78
30.78
12.82
7.7
8.53
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,912
4,390
4,274
- -
- -
1,815
8,665
6,871
Total Equity
501,440
1,008,983
2,074,044
3,065,341
3,195,369
3,320,040
3,462,348
3,565,372
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
4.64
4.25
2.91
4.23
3.81
4.22
8.12
Return on Common Equity (%)
- -
4.66
4.26
2.91
4.23
3.81
4.23
8.13

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
3,675
3,675
3,675
Market Capitalization
14,331,421
17,344,694
17,454,936

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
806,419
1,389,280
1,346,076
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
- -
33.16%
4.29%
Free Cash Flow
- -
-97.8%
-78.24%
Net Income, GAAP
- -
37.39%
15.5%
Sales/Revenue/Turnover
- -
104.98%
92.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
192,942
216,084
275,045
291,617
967,448
2025
333,041
734,099
- -
567,111
1,860,649
2026
647,643
1,352,559
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.67
10.05
11.43
4.61
33.76
2025
9.62
19.92
- -
4.68
38.99
2026
19.09
32.93
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

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

Company Description

Company Profile APIChatGPT
CEO
Anton Hermawan
Full Time Employees
340
Sector
Finance
Industry
Regional banks
Address
Dipo Tower, Lt. 9 Jakarta JB Indonesia 10260
IPO Date
Sep 7, 2020
Website
krom.id
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Business
PT Krom Bank Indonesia Tbk delivers comprehensive digital banking solutions through its Krom application. The institution provides a suite of financial products, including flexible savings accounts with multiple allocation options, competitive time deposits, transaction accounts, and various credit facilities like cash loans and buy-now-pay-later services. Targeting Indonesia's younger demographics and the underbanked population, the bank emphasizes ease of use, attractive interest rates, and fee-free transactions. Established on March 16, 1957, the company has evolved into a digital-first entity, leveraging cloud technology to enhance its secure and agile service offerings, and is headquartered in Jakarta, Indonesia.