PT Bank Central Asia Tbk

PT Bank Central Asia Tbk

PBCRY
PT Bank Central Asia TbkUS flagOther OTC
7.66
USD
-0.46
- -
37.62BMarket Cap
PT Bank Central Asia Tbk
PBCRY
(Other OTC)

Recent

price

7.65

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4,233.37
5,014.37
5,787.97
7,111.16
8,564.74
9,891.85
11,101.95
11,747.18
13,073.37
14,797.87
15,555.95
16,252.27
18,155.24
20,378.41
22,063.8
23,189.51
23,044.49
Revenue per Share
1,740.03
2,220.23
2,401.82
2,893.02
3,343.31
3,654.16
4,178.81
4,727.23
5,243.39
5,792.95
5,502.15
6,372.47
8,261.14
9,863.94
11,120.72
11,671.32
11,554.76
Basic EPS, GAAP
326.93
-8,208.01
5,020.77
-1,446.55
6,585.94
5,460.48
8,262.96
1,606.57
520.25
9,991.23
9,796.21
24,920.06
6,169.99
10,741.11
10,068.35
15,225.28
8,912.26
Free Cash Flow per Basic Share
562.5
567.5
567.46
580.47
625
765
875
1,050
1,300
1,775
2,765
2,785
3,875
5,312.5
6,937.5
7,626.08
1,250
Dividend per Share
6,076.04
7,711.38
9,512.01
11,379.08
13,945.48
16,722.42
20,033.7
23,539.9
27,461.51
31,372.83
32,415.19
36,221.54
40,493.39
44,872.05
48,975.81
52,834
48,500.33
Book Value per Share
6,999.28
8,624.45
10,634.05
12,651.26
15,357.06
18,175.81
22,858.45
26,471.81
30,637.61
35,036.63
37,129.39
40,816.58
44,537.51
48,868.94
52,936.39
56,778.94
52,738.18
Tangible Book Value per Share
4,873
4,873
4,880
4,927
4,931
4,931
4,931
4,931
4,931
4,931
4,931
4,931
4,931
4,931
4,931
4,930
4,931
Basic Weighted Avg Shares
20,629,394
24,435,275
28,247,344
35,036,474
42,232,761
48,776,714
54,743,742
57,925,379
64,464,796
72,968,338
76,706,444
80,139,976
89,523,508
100,485,975
108,796,625
114,319,648
113,632,424
Sales/Revenue/Turnover
50.41
- -
50.47
48.75
48.55
46.45
47.2
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
742,837
864,567
1,075,336
1,215,241
1,552,591
1,641,630
1,821,003
2,081,608
2,015,615
2,545,011
2,447,189
2,662,190
3,211,483
2,167,549
2,602,035
2,457,735
Depreciation Expense
8,479,273
10,819,309
11,721,717
14,253,831
16,485,858
18,018,653
20,605,736
23,309,994
25,855,154
28,565,053
27,131,109
31,422,660
40,735,722
48,639,122
54,836,305
57,537,287
56,976,535
Net Income, GAAP
20.41
20.57
20.21
19.98
20.39
20.4
20.15
20.02
20.96
21.27
19.13
19.05
19.24
19.15
19.59
19.22
19.48
Effective Tax Rate (%)
41.1
44.28
41.5
40.68
39.04
36.94
37.64
40.24
40.11
39.15
35.37
39.21
45.5
48.4
50.4
50.33
50.14
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,568,503
1,929,549
2,649,318
3,633,799
5,584,265
4,563,725
5,120,146
3,650,524
2,832,633
4,179,816
2,718,014
2,289,222
2,105,543
2,366,393
3,044,409
2,395,446
1,787,047
LT Debt
34,107,844
42,027,340
51,897,942
62,332,414
75,725,690
89,624,940
112,715,059
131,401,694
151,753,427
174,143,156
184,714,709
202,848,934
221,181,655
242,537,593
262,835,087
281,687,555
261,800,906
Total Equity
25.83
- -
23.01
22.59
22.09
20.5
19.42
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
31.56
32.21
27.91
27.82
26.41
23.83
22.74
21.7
20.56
19.69
17.25
18.57
21.54
23.11
23.7
22.93
24.84
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
123,275
123,274
123,247
Market Capitalization
1,151,627,564
1,044,550,590
1,064,937,367

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
88,618,295
117,911,518
107,459,299
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.27%
8.81%
7.17%
Free Cash Flow
191.98%
39.63%
51.18%
Net Income, GAAP
12.64%
16.51%
4.93%
Sales/Revenue/Turnover
8.94%
8.36%
5.08%
Total Cash Common Dividend
26.79%
23.49%
9.9%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
26,763,711
26,832,797
28,397,314
28,361,962
108,796,625
2025
27,679,953
29,193,195
26,715,069
- -
114,319,648
2026
28,660,037
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,611.94
- -
- -
- -
11,120.72
2025
2,868.81
- -
- -
- -
11,671.32
2026
2,987.18
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
6,937.5
2025
- -
- -
- -
- -
7,626.08
2026
- -
- -
- -
- -
- -
Business
PT Bank Central Asia Tbk specializes in comprehensive banking and financial services primarily in Indonesia with international operations. Founded in 1957 and headquartered in Jakarta, the company offers a wide range of products including individual and business savings accounts; various deposit products; credit facilities such as motorcycle financing, car loans, housing loans, working capital loans, and investment loans; credit cards; electronic money services including digital wallets; wealth management and mutual funds; business collection and payment services; treasury and investment products; and remittance services. Its business segments cover Transaction Banking, Corporate Banking, Commercial and SME Banking, Individual Banking, and Treasury and International Banking. Recent major developments include a 7.6% year-on-year increase in total loans to Rp944 trillion as of September 2025 driven by strong growth in corporate, commercial, and SME loans, launch of expanded digital and hybrid financial education platforms attracting millions of visitors, and a 161.2% year-on-year growth in iB gold financing through its subsidiary BCA Syariah targeting sharia-compliant gold ownership with price certainty and affordable installments. The company also continues strategic initiatives in digital banking innovation, enhancing electronic payment services, and sustaining its extensive nationwide branch and ATM network to support both retail and business customers. PT Bank Central Asia Tbk remains a leading private bank in Indonesia focusing on prudent credit growth and expanded service offerings to diverse market segments.

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