PT Bank Rakyat Indonesia (Persero) Tbk
PT Bank Rakyat Indonesia (Persero) Tbk Fundamental Analysis
PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) shows strong financial fundamentals with a PE ratio of 10.31, profit margin of 24.80%, and ROE of 17.74%. The company generates $225549.5B in annual revenue with strong year-over-year growth of 27.20%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 81.4/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze BKRKY's fundamental strength across five key dimensions:
Efficiency Score
WeakBKRKY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBKRKY trades at attractive valuation levels.
Growth Score
ModerateBKRKY shows steady but slowing expansion.
Financial Health Score
ModerateBKRKY shows balanced financial health with some risks.
Profitability Score
ExcellentBKRKY achieves industry-leading margins.
Key Financial Metrics
Is BKRKY Expensive or Cheap?
P/E Ratio
BKRKY trades at 10.31 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BKRKY's PEG of -0.00 indicates potential undervaluation.
Price to Book
The market values PT Bank Rakyat Indonesia (Persero) Tbk at 1.75 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.98 times EBITDA. This is generally considered low.
How Well Does BKRKY Make Money?
Net Profit Margin
For every $100 in sales, PT Bank Rakyat Indonesia (Persero) Tbk keeps $24.80 as profit after all expenses.
Operating Margin
Core operations generate 36.42 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.74 in profit for every $100 of shareholder equity.
ROA
PT Bank Rakyat Indonesia (Persero) Tbk generates $2.65 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
PT Bank Rakyat Indonesia (Persero) Tbk generates strong operating cash flow of $151.96T, reflecting robust business health.
Free Cash Flow
PT Bank Rakyat Indonesia (Persero) Tbk generates strong free cash flow of $141.59T, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $47011.13 in free cash annually.
FCF Yield
BKRKY converts 24.53% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.31
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.00
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.75
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.56
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.64
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.18
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How BKRKY Stacks Against Its Sector Peers
| Metric | BKRKY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.31 | 18.73 | Better (Cheaper) |
| ROE | 17.74% | 847.00% | Weak |
| Net Margin | 24.80% | 2562.00% | Weak |
| Debt/Equity | 0.64 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 2.65% | -21692.00% (disorted) | Weak |
BKRKY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews PT Bank Rakyat Indonesia (Persero) Tbk's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
33.71%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
45.59%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-54.69%
Industry Style: Value, Dividend, Cyclical
Declining