PT Bank Central Asia Tbk

PT Bank Central Asia Tbk

0.73
SGD
-0.02
(-2.67%)
0.07EPS
12.13P/E
49.38BMarket Cap
PT Bank Central Asia Tbk
SGX:IBKD
(Singapore Exchange)

Recent

price

0.73

P/E

ratio

12.13

div

yld

1.10%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
353.86
419.15
483.81
594.42
715.92
826.85
928
981.94
1,092.79
1,236.94
1,300.31
1,358.51
1,517.58
1,703.41
1,844.29
1,938.39
1,864.15
Revenue per Share
145.45
185.59
200.77
241.83
279.46
305.45
349.3
395.15
438.29
484.23
459.92
532.67
690.54
824.52
929.57
975.6
961.88
Basic EPS, GAAP
27.33
-686.1
419.68
-120.92
550.51
456.44
690.69
134.29
43.49
835.16
818.86
2,083.05
515.74
897.84
841.6
1,272.67
769.35
Free Cash Flow per Basic Share
47.02
47.44
47.43
48.52
52.24
63.95
73.14
87.77
108.67
148.37
231.12
232.8
323.91
444.07
579.9
637.46
111.33
Dividend per Share
578.19
720.49
885.7
1,054.93
1,279.66
1,514.97
1,905.94
2,225.83
2,570.9
2,950.33
3,129.23
3,436.34
3,746.65
4,108.36
4,452.22
4,781.51
4,600.56
Book Value per Share
578.19
720.49
885.7
1,054.93
1,279.66
1,514.97
1,905.94
2,211.09
2,559.38
2,926.98
3,101.61
3,409.51
3,720.09
4,081.84
4,421.61
4,751.3
4,571.37
Tangible Book Value per Share
58,298
58,298
58,385
58,943
58,991
58,991
58,991
58,991
58,991
58,991
58,991
58,991
58,991
58,991
58,991
58,977
60,864
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
113,460,300
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
2,766,853
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
58,544,601
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
18.97
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
51.6
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
2,187,729
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
270,667,746
Total Equity
25.86
- -
23.01
22.59
22.09
20.5
19.42
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
26.69
27.18
23.81
23.65
22.35
20.51
19.41
18.43
17.86
17.16
14.83
16
19.01
20.77
21.47
20.91
22.38
Return on Capital (%)
27.37
28.43
24.99
24.99
23.94
21.86
20.42
19.13
18.27
17.54
15.13
16.23
19.23
20.99
21.72
21.15
22.66
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
58,866
58,800
58,784
Market Capitalization
911,337,125
777,292,859
685,646,297

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
90,907,332
119,676,890
95,713,174
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
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

IDR

•

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
28,891,999
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
218.33
227.08
230.34
223.28
929.57
2025
239.8
241.29
- -
229.54
975.6
2026
249.7
241.78
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
100
579.9
2025
- -
- -
- -
110
637.46
2026
- -
- -
- -
- -
- -
Business
PT Bank Central Asia Tbk (BCA) operates as Indonesia's largest private bank, providing a comprehensive range of commercial banking services including transaction banking, corporate banking, commercial and small-to-medium enterprise banking, individual banking, treasury, and international banking; core products and services encompass savings and current accounts, time deposits, loans and credit facilities, credit cards, debit cards, electronic money solutions such as Flazz and Sakuku, wealth management offerings like mutual funds, insurance (bancassurance), treasury investment products, cash management, standby letters of credit, bank guarantees, export-import financing, foreign exchange facilities, internet banking via KlikBCA, mobile banking through m-BCA, and QR code-based payments. Founded in 1957 and headquartered at BCA Tower in Jakarta, the bank maintains an extensive domestic network of 1,264 branches, 873 sub-branches, 244 cash offices, over 20,000 ATMs, and two foreign representative offices, primarily serving individual, corporate, SME, and institutional customers across Indonesia with total assets exceeding IDR 1,539 trillion as of September 2025. BCA, a subsidiary of PT Dwimuria Investama Andalan, recently launched the Batavia USD Money Market mutual fund (BUSMO) in November 2025 through a partnership with PT Batavia Prosperindo Asset Management to expand USD-denominated investment options amid rising capital market participation; the bank reported robust nine-month 2025 results with net profit of IDR 43.4 trillion and continues enhancing digital capabilities including plans for fuller digital bank transformation.

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