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PT Bank Central Asia Tbk (BBCA.JK)
Jakarta, ID
Established in Jakarta, Indonesia, in 1955, PT Bank Central Asia Tbk (BCA) is a prominent financial services provider catering to individuals, corporations, and small and medium-sized enterprises both domestically and internationally. The bank delivers a wide array of banking and financial solutions, including diverse savings accounts; personal and commercial lending such as automobile, home, motorcycle, working capital, and investment loans; and investment vehicles like mutual funds and bonds. BCA also facilitates modern transactions and banking access through electronic money, credit cards, and robust home and eBanking platforms, alongside business collection and remittance services. Its comprehensive portfolio further extends to specialized financing for investments, working capital, automotive, and general-purpose needs, as well as operating leases, money lending, securities brokerage, underwriting, general and life insurance, Sharia banking, and venture capital. As of December 2021, BCA maintained a substantial operational footprint, boasting 1,334 offices across Indonesia—including 137 main branches, 1,105 permanent sub-branches, 70 mobile sub-branches, and 22 functional offices—supported by a network of 18,034 automated teller machines (ATMs) equipped with cash recycling and multi-functional capabilities. PT Bank Central Asia Tbk operates as a subsidiary of PT Dwimuria Investama Andalan.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -4.60% | -4.20% | -2.56% | -20.56% | -31.12% | -28.97% | -37.36% | -38.38% | -10.59% | +115.91% | +16,185.71% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | -1 |
| Buy | 21 | +1 |
| Hold | 2 | +1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+3.6% Q1'26: +11.4% (vs Q1'25)
-
EPS growth+5.0% Q1'26: +3.9% (vs Q1'25)
-
FCF margin— Q1'26: +53.7% (vs Q1'25)
-
EBIT margin— Q1'26: +56.6% (vs Q1'25)
-
ROIC— Q1'26: +31.9% (vs Q1'25)
-
Share dilution0.0% Q1'26: -0.3% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 0.09× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 19 Rev. Ana. 18 EPS Ana. |
Dec 2027 20 Rev. Ana. 20 EPS Ana. |
Dec 2028 15 Rev. Ana. 14 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
59.06T
est: 45.97T (+28.5%)
|
64.11T
est: 52.45T (+22.2%)
|
68.73T
est: 57.49T (+19.5%)
|
74.70T
est: 62.89T (+18.8%)
|
84.67T
est: 70.33T (+20.4%)
|
86.12T
est: 73.80T (+16.7%)
|
87.68T
est: 77.05T (+13.8%)
|
95.54T
est: 85.82T (+11.3%)
|
110.22T
est: 101.87T (+8.2%)
|
120.44T
est: 108.93T (+10.6%)
|
124.78T
est: 114.65T (+8.8%)
|
117.62T
114.26T – 125.31T
+2.6% YoY
|
126.69T
121.08T – 136.86T
+7.7% YoY
|
136.51T
136.14T – 136.88T
+7.7% YoY
|
| EBITDA |
24.21T
est: 23.96T (+1.0%)
|
27.48T
est: 27.34T (+0.5%)
|
30.98T
est: 29.96T (+3.4%)
|
34.79T
est: 32.78T (+6.1%)
|
38.30T
est: 36.65T (+4.5%)
|
36.11T
est: 38.46T (-6.1%)
|
41.29T
est: 40.16T (+2.8%)
|
53.13T
est: 44.73T (+18.8%)
|
63.39T
est: 70.86T (-10.5%)
|
70.39T
est: 75.77T (-7.1%)
|
73.86T
est: 79.74T (-7.4%)
|
81.81T
79.47T – 87.15T
+2.6% YoY
|
88.12T
84.22T – 95.19T
+7.7% YoY
|
94.94T
94.69T – 95.20T
+7.7% YoY
|
| EBIT |
22.66T
est: 22.74T (-0.4%)
|
25.84T
est: 25.95T (-0.4%)
|
29.16T
est: 28.44T (+2.5%)
|
32.71T
est: 31.11T (+5.1%)
|
36.29T
est: 34.79T (+4.3%)
|
33.57T
est: 36.51T (-8.0%)
|
38.84T
est: 38.12T (+1.9%)
|
50.47T
est: 42.46T (+18.9%)
|
60.18T
est: 69.62T (-13.6%)
|
68.22T
est: 74.45T (-8.4%)
|
71.26T
est: 78.35T (-9.1%)
|
80.38T
78.08T – 85.63T
+2.6% YoY
|
86.58T
82.75T – 93.53T
+7.7% YoY
|
93.29T
93.04T – 93.54T
+7.7% YoY
|
| Net Income |
18.02T
est: 17.82T (+1.1%)
|
20.61T
est: 20.06T (+2.7%)
|
23.31T
est: 23.08T (+1.0%)
|
25.86T
est: 26.09T (-0.9%)
|
28.57T
est: 28.48T (+0.3%)
|
27.13T
est: 24.82T (+9.3%)
|
31.42T
est: 30.63T (+2.6%)
|
40.74T
est: 39.00T (+4.4%)
|
48.64T
est: 51.33T (-5.2%)
|
54.84T
est: 56.98T (-3.8%)
|
57.54T
est: 58.08T (-0.9%)
|
60.07T
58.08T – 61.47T
+3.4% YoY
|
65.27T
60.44T – 70.24T
+8.7% YoY
|
70.70T
65.26T – 78.72T
+8.3% YoY
|
| SGA |
7.60T
est: 5.15T (+47.4%)
|
8.09T
est: 5.88T (+37.5%)
|
8.96T
est: 6.45T (+39.0%)
|
9.31T
est: 7.05T (+32.0%)
|
10.46T
est: 7.88T (+32.6%)
|
9.12T
est: 8.27T (+10.2%)
|
9.76T
est: 8.64T (+13.0%)
|
11.36T
est: 9.62T (+18.1%)
|
12.65T
est: 11.29T (+12.1%)
|
13.20T
est: 12.07T (+9.4%)
|
12.39T
est: 12.70T (-2.5%)
|
13.03T
12.66T – 13.88T
+2.6% YoY
|
14.04T
13.42T – 15.16T
+7.7% YoY
|
15.12T
15.08T – 15.17T
+7.7% YoY
|
| EPS |
146.20
est: 144.57 (+1.1%)
|
167.20
est: 162.69 (+2.8%)
|
189.00
est: 187.21 (+1.0%)
|
209.74
est: 211.61 (-0.9%)
|
231.72
est: 231.00 (+0.3%)
|
220.09
est: 201.35 (+9.3%)
|
254.90
est: 248.50 (+2.6%)
|
330.45
est: 316.39 (+4.4%)
|
394.56
est: 416.35 (-5.2%)
|
444.83
est: 443.79 (+0.2%)
|
467.00
est: 465.75 (+0.3%)
|
488.53
471.23 – 498.79
+4.9% YoY
|
531.66
490.43 – 569.93
+8.8% YoY
|
581.58
529.53 – 638.77
+9.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-26 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-25 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-13 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 2/5 | 1/5 |
| 2026-05-12 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 2/5 | 1/5 |
| 2026-05-11 | A | 4/5 | 5/5 | 5/5 | 5/5 | 4/5 | 2/5 | 1/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-15 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Armand Wahyudi Hartono | Deputy President Director | — | male |
| Felix Ivanata Darmasetia | Head of Accounting Group | — | — |
| Gregory Hendra Lembong | President Director | — | male |
| Hera Fendayani Haryn | Head of Corporate Communication & Social Responsibility Group | — | — |
| Hien Tan | Credit Risk & Legal Director and Director | — | male |
| John Kosasih | Commercial & SME Banking Director and Deputy President Director | — | male |
| Lianawaty Suwono | Compliance & Human Capital Management Director and Director | — | female |
| Raymon Yonarto | Executive Vice President of Corporate Finance | — | male |
| Rudy Winarto Budiardjo | Head of Investor Relations Group & Corporate Secretary | — | — |
| Vera Eve Lim | Finance & Corporate Planning Director and Director | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BBCA.JK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
