1. Indonesia Stocks

  2. •

    Finance

  3. •

    Major banks
PT Bank Neo Commerce Tbk

PT Bank Neo Commerce Tbk

IIDX:BBYB
166.00
IDR
+3.00
(+1.84%)
38.40EPS
5.36P/E
2.75TMarket Cap
Dec 02Next Earn
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
50.06
53.08
60.19
66.44
73.4
53.18
38.8
37.05
50.66
188
268.46
238.44
187.84
181.26
Basic EPS, GAAP
3.43
4.54
8.37
17.91
3.32
-24.6
2.68
2.44
-114.07
-83.75
-47.61
1.58
42.37
38.4
Free Cash Flow per Basic Share
-19.91
-61.02
16.98
-92.82
65.92
-66.56
-54.15
-27.05
27.44
306.8
-187.55
7.48
325.11
45.2
Dividend per Share
4.02
- -
0.4
0.98
- -
1.03
- -
0.25
0.18
- -
- -
- -
- -
- -
Book Value per Share
82.94
92.55
123.07
138.32
130
104.45
138.66
151.97
286.4
311.04
276.03
266.79
316.9
331.04
Tangible Book Value per Share
82.94
92.55
122.37
138.02
129.64
104.18
138.37
151.8
276.72
300.46
264
256.71
305.56
320.08
Basic Weighted Avg Shares
2,616
2,616
2,970
3,796
4,344
5,570
5,963
6,516
8,646
9,422
12,039
12,585
13,350
13,350
Sales/Revenue/Turnover
130,932
138,841
178,751
252,181
318,795
296,187
231,323
241,391
438,017
1,771,312
3,232,049
3,000,767
2,507,720
2,419,854
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
4,680
7,550
8,545
9,909
31,749
41,171
57,065
63,674
73,464
74,571
72,541
Net Income, GAAP
8,965
11,884
24,871
67,987
14,420
-136,988
16,003
15,872
-986,289
-789,059
-573,180
19,885
565,690
512,636
Effective Tax Rate (%)
43.63
25.12
27.87
26.33
28.09
- -
10.39
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
6.85
8.56
13.91
26.96
4.52
-46.25
6.92
6.58
-225.17
-44.55
-17.73
0.66
22.56
21.18
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
689
378
126
20,000
117
3,167
2,489
5,657
57,928
50,534
52,821
80,403
49,729
34,885
Total Equity
246,308
274,850
365,487
643,065
676,191
600,385
945,784
1,120,619
2,889,827
3,744,590
3,323,039
3,561,837
4,230,726
4,419,494
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.57
4.55
7.76
13.22
2.15
- -
2.06
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
3.59
4.56
7.77
13.48
2.19
-21.46
2.07
1.54
-49.19
-23.79
-16.22
0.58
14.52
12.57

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
13,350
13,350
13,350
Market Capitalization
6,408,232
3,764,836
2,750,199

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,083,578
3,595,708
2,825,240
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
34.81%
40.43%
18.78%
Free Cash Flow
384.57%
1,022.68%
4,511.82%
Net Income, GAAP
-478.81%
-744.05%
2,744.81%
Sales/Revenue/Turnover
48.76%
88.95%
-16.43%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
830,128
715,885
628,945
825,809
3,000,767
2025
654,103
624,637
- -
646,316
2,507,720
2026
568,220
580,681
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.18
-1.69
0.85
1.24
1.58
2025
12.71
8.7
- -
7.62
42.37
2026
10.26
11.82
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

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

Company Description

Company Profile APIChatGPT
CEO
Eri Budiono
Full Time Employees
933
Sector
Finance
Industry
Major banks
Address
Treasury Tower Jakarta Selatan JK Indonesia 12190
IPO Date
Jan 13, 2015
Website
bankneocommerce.co.id
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Business
PT Bank Neo Commerce Tbk (BBYB.JK) operates as a digital-led commercial bank in Indonesia, offering a comprehensive suite of banking products and services through its neobank mobile application and limited physical branches. The company provides individual banking solutions including personal and business accounts; regular, NOW, Neo Wish, and Neo Business savings accounts; WOW and FLEXI time deposits; Neo Loan and micro business loans; transaction services such as transfers, hematpay, QRIS payments, virtual accounts, bills and top-ups, and cardless withdrawals; Neo membership programs; gamified experiences like Neo World, SocialFi, and Neo Journal; and wealth management products encompassing mutual funds, bancassurance, Neo Gold, bonds, and stocks; while corporate offerings feature current accounts, term deposits, institutional and commercial loans, payroll services, corporate internet banking, and API banking for businesses. It maintains 12 branch locations across Java, Sumatra, Kalimantan, and Sulawesi regions, targeting retail customers, SMEs, and corporates with a focus on digital innovation and millennials. Founded in 1989 as PT Bank Yudha Bhakti and headquartered at Treasury Tower, 60th Floor, District 8 Lot 28, Jalan Jenderal Sudirman Kav. 52-53, Senayan, South Jakarta, the bank rebranded to PT Bank Neo Commerce in 2020 following investment from PT Akulaku Silvrr Indonesia. Recent developments include a 2024 rights issue raising IDR 393.5 billion at IDR 300 per share with Akulaku Silvrr as standby buyer; robust Q3 2025 financials showing net profit growth, third-party funds steady at IDR 13.62 trillion, core capital up 15.5% to IDR 3.94 trillion, and CAR at 46.73%; 139% year-on-year expansion in Neo Loan disbursements; new lending product launches and channeling partnerships to drive credit growth; and a 2026 strategy emphasizing low-cost funds, customer engagement, efficiency, and digital advancements.