1. Indonesia Stocks

  2. •

    Finance

  3. •

    Major banks
PT Bank Neo Commerce Tbk

PT Bank Neo Commerce Tbk

IIDX:BBYB
170.00
IDR
+4.00
(+2.41%)
38.40EPS
5.36P/E
2.75TMarket Cap
Dec 02Next Earn
PT Bank Neo Commerce Tbk
IDX:BBYB
(Indonesia Stock Exchange)

Recent

price

170.00

P/E

ratio

5.36

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
52.68
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
Revenue per Share
8.04
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
Basic EPS, GAAP
-1.15
-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
Free Cash Flow per Basic Share
6.22
4.02
- -
0.4
0.98
- -
1.03
- -
0.25
0.18
- -
- -
- -
- -
- -
Dividend per Share
85.46
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
Book Value per Share
85.46
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
Tangible Book Value per Share
2,616
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
Basic Weighted Avg Shares
137,786
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
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
4,680
7,550
8,545
9,909
31,749
41,171
57,065
63,674
73,464
74,571
72,541
Depreciation Expense
21,019
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
Net Income, GAAP
27.98
43.63
25.12
27.87
26.33
28.09
- -
10.39
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
15.25
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,000
689
378
126
20,000
117
3,167
2,489
5,657
57,928
50,534
52,821
80,403
49,729
34,885
LT Debt
253,778
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
3.57
4.55
7.76
13.22
2.15
- -
2.06
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
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
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
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
- -
- -
- -
- -
- -
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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.