PT Bank Central Asia Tbk
PT Bank Central Asia Tbk Fundamental Analysis
PT Bank Central Asia Tbk (PBCRF) shows strong financial fundamentals with a PE ratio of 14.42, profit margin of 47.01%, and ROE of 21.59%. The company generates $122066.2B in annual revenue with strong year-over-year growth of 13.19%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 83.4/100 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 PBCRF's fundamental strength across five key dimensions:
Efficiency Score
WeakPBCRF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPBCRF trades at attractive valuation levels.
Growth Score
ExcellentPBCRF delivers strong and consistent growth momentum.
Financial Health Score
ModeratePBCRF shows balanced financial health with some risks.
Profitability Score
ExcellentPBCRF achieves industry-leading margins.
Key Financial Metrics
Is PBCRF Expensive or Cheap?
P/E Ratio
PBCRF trades at 14.42 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PBCRF's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values PT Bank Central Asia Tbk at 2.94 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 16.73 times EBITDA. This signals the market has high growth expectations.
How Well Does PBCRF Make Money?
Net Profit Margin
For every $100 in sales, PT Bank Central Asia Tbk keeps $47.01 as profit after all expenses.
Operating Margin
Core operations generate 59.08 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $21.59 in profit for every $100 of shareholder equity.
ROA
PT Bank Central Asia Tbk generates $3.61 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
PT Bank Central Asia Tbk generates strong operating cash flow of $72.07T, reflecting robust business health.
Free Cash Flow
PT Bank Central Asia Tbk generates strong free cash flow of $69.62T, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $565.97 in free cash annually.
FCF Yield
PBCRF converts 8.43% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.42
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.001
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.94
vs 25 benchmark
P/S Ratio
Price to sales ratio
6.76
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.02
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.09
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.22
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.22
vs 25 benchmark
How PBCRF Stacks Against Its Sector Peers
| Metric | PBCRF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.42 | 18.73 | Better (Cheaper) |
| ROE | 21.59% | 847.00% | Weak |
| Net Margin | 47.01% | 2562.00% | Weak |
| Debt/Equity | 0.02 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.09 | 674.76 | Weak Liquidity |
| ROA | 3.61% | -21692.00% (disorted) | Weak |
PBCRF 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 Central Asia Tbk's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
51.50%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
91.97%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
3.62%
Industry Style: Value, Dividend, Cyclical
Growing