Subscribe

PT Bank Rakyat Indonesia (Persero) Tbk (BBRI.JK)

IDR2,800.00 -70.00 (-2.44%)
ID JKT Financial Services Banks - Regional
Address Gedung BRI 10210
Jakarta, ID
CEO Hery Gunardi
Website bri.co.id
IPO 2003-11-10
ISIN ID1000118201

Explore sections of this company profile

Also trades on Indonesia Stock Exchange · BBRI.JK (IDR) Other OTC · BKRKF (USD) Other OTC · BKRKY (USD)
Description

PT Bank Rakyat Indonesia (Persero) Tbk, widely known as BRI, operates as a leading financial institution, delivering a broad spectrum of banking products and services. Its extensive network spans Indonesia, Singapore, Timor Leste, Hong Kong, Taiwan, and the United States. The bank offers a diverse range of account options, including checking and savings accounts, alongside fixed-term deposits. BRI provides a comprehensive array of loan facilities designed to meet various client needs, such as residential mortgages, micro-business financing, working capital, investment loans, agricultural credits, warehouse receipt-backed loans, partnership and franchise financing, and cash-collateralized loans. Furthermore, it supplies tailored supply chain financing solutions. Customers can utilize essential banking conveniences like bill payment, deposit services, online transactions, funds transfers, and international remittances. BRI also features a selection of investment vehicles, including pension and mutual funds, as well as retail bonds and sukuk. The institution facilitates international trade through import and export services and letters of credit, supported by its BRI RTE online system and currency exchange services. Expanding its offerings, BRI provides robust internet banking and merchant services, a variety of credit cards, and specialized wealth management expertise. For its business clientele, the bank delivers business guarantees, clearing services, and dedicated financial and institutional business banking. Additional specialized services include treasury management, custodial roles, trusteeship, and comprehensive cash management solutions. Established in 1895, PT Bank Rakyat Indonesia (Persero) Tbk maintains its primary operational base in Jakarta, Indonesia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
IDR2,800.00 -70.00 (-2.44%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
334M
Beta
0.22
Float Shares
69.92B
Free Float %
46.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.31% -0.31% -5.90% -15.83% -18.21% -12.36% -22.00% -38.06% -16.16% +65.14% +3,253.66%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
2,800.00
DCF (Unlevered) 9,269.71 +231.1%
DCF (Levered) 9,487.86 +238.9%

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.

Ratings Trend (MoM) 77% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 15 0
Hold 3 0
Sell 1 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.51
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +77.9% Q1'26: +111.4% (vs Q1'25)
  • EPS growth
    -5.8% Q1'26: +13.1% (vs Q1'25)
  • FCF margin
    Q1'26: +28.7% (vs Q1'25)
  • EBIT margin
    Q1'26: +20.8% (vs Q1'25)
  • ROIC
    Q1'26: +12.8% (vs Q1'25)
  • Share dilution
    -0.1% Q1'26: -0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 2.90× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* 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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.24) × ERP
WACC = 69% × Ke + 31% × Kd (26.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 9,283.72 Current price: 2,800.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
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
11 Rev. Ana.
14 EPS Ana.
Dec 2027
16 Rev. Ana.
18 EPS Ana.
Dec 2028
11 Rev. Ana.
11 EPS Ana.
Revenue
94.99T
est: 68.12T (+39.5%)
105.79T
est: 79.23T (+33.5%)
116.29T
est: 91.06T (+27.7%)
128.38T
est: 99.05T (+29.6%)
142.78T
est: 107.88T (+32.3%)
164.03T
est: 103.94T (+57.8%)
175.94T
est: 133.16T (+32.1%)
180.05T
est: 172.04T (+4.7%)
209.11T
est: 135.25T (+54.6%)
174.33T
est: 198.58T (-12.2%)
310.09T
est: 206.98T (+49.8%)
228.21T
209.60T – 284.44T
+10.3% YoY
241.79T
216.61T – 308.76T
+6.0% YoY
254.56T
252.25T – 256.88T
+5.3% YoY
EBITDA
33.59T
est: 16.53T (+103.2%)
35.27T
est: 19.23T (+83.5%)
38.61T
est: 22.09T (+74.7%)
43.62T
est: 24.03T (+81.5%)
45.10T
est: 26.18T (+72.3%)
33.19T
est: 25.22T (+31.6%)
43.75T
est: 32.31T (+35.4%)
68.21T
est: 41.74T (+63.4%)
80.16T
est: 34.20T (+134.3%)
est: 50.22T (-100.0%)
78.66T
est: 52.34T (+50.3%)
57.71T
53.01T – 71.93T
+10.3% YoY
61.15T
54.78T – 78.08T
+6.0% YoY
64.38T
63.79T – 64.96T
+5.3% YoY
EBIT
32.49T
est: 15.08T (+115.5%)
34.05T
est: 17.54T (+94.2%)
37.02T
est: 20.15T (+83.7%)
41.75T
est: 21.92T (+90.5%)
43.36T
est: 23.88T (+81.6%)
29.99T
est: 23.00T (+30.4%)
40.99T
est: 29.47T (+39.1%)
64.60T
est: 38.08T (+69.7%)
76.43T
est: 31.34T (+143.9%)
-5.84T
est: 46.01T (-112.7%)
72.79T
est: 47.96T (+51.8%)
52.88T
48.56T – 65.90T
+10.3% YoY
56.02T
50.19T – 71.54T
+6.0% YoY
58.98T
58.45T – 59.52T
+5.3% YoY
Net Income
25.40T
est: 28.72T (-11.6%)
26.23T
est: 30.39T (-13.7%)
29.00T
est: 33.46T (-13.3%)
32.35T
est: 38.98T (-17.0%)
34.37T
est: 41.14T (-16.4%)
21.04T
est: 23.16T (-9.2%)
33.47T
est: 30.59T (+9.4%)
51.17T
est: 49.53T (+3.3%)
60.10T
est: 60.38T (-0.5%)
60.15T
est: 56.73T (+6.0%)
56.65T
est: 58.52T (-3.2%)
59.15T
56.36T – 63.13T
+1.1% YoY
63.18T
54.98T – 71.92T
+6.8% YoY
67.68T
60.96T – 83.03T
+7.1% YoY
SGA
7.14T
est: 7.47T (-4.4%)
8.73T
est: 8.69T (+0.4%)
9.70T
est: 9.99T (-2.9%)
10.45T
est: 10.87T (-3.9%)
11.36T
est: 11.84T (-4.1%)
15.48T
est: 11.41T (+35.7%)
18.60T
est: 14.61T (+27.3%)
19.99T
est: 18.88T (+5.9%)
22.73T
est: 15.96T (+42.4%)
22.47T
est: 23.44T (-4.1%)
42.11T
est: 24.43T (+72.4%)
26.94T
24.74T – 33.57T
+10.3% YoY
28.54T
25.57T – 36.44T
+6.0% YoY
30.05T
29.77T – 30.32T
+5.3% YoY
EPS
206.09
est: 190.50 (+8.2%)
214.07
est: 201.57 (+6.2%)
236.93
est: 221.93 (+6.8%)
264.66
est: 258.56 (+2.4%)
274.12
est: 272.86 (+0.5%)
148.49
est: 153.59 (-3.3%)
237.96
est: 202.87 (+17.3%)
338.01
est: 328.52 (+2.9%)
398.33
est: 400.35 (-0.5%)
399.00
est: 402.57 (-0.9%)
376.00
est: 371.24 (+1.3%)
395.35
374.05 – 419.00
+6.5% YoY
423.97
364.88 – 477.31
+7.2% YoY
463.66
404.58 – 551.10
+9.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-11 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-08 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-07 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-06 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-05 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-05-04 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-30 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-29 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-28 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-27 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-24 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-23 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-22 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-21 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-20 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-17 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-16 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-15 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
86.38T
OE per share TTM
573.62
Owner's Yield
17.87%
Maintenance CapEx ratio
61.33%
Maint CapEx / Avg PPE
21.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
896.78M
Shares Outstanding
151.56B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Achmad Royadi Director of Finance and Strategy & Director male
Aestika Oryza Gunarto Senior Executive Vice President of Fixed Assets Management & Procurement male
Bambang Krisminarno Senior Executive Vice President of Corporate Banking male
Bret Matthew Ginesky Division Head of Investor Relations male
Danar Widyantoro Executive Vice President of Digital Risk Division male
Hendro Padmono Senior Executive Vice President of Fixed Assets Management & Procurement male
Hery Gunardi President Director
Mahdi Yusuf Director of Legal & Compliance and Director male
Ninis Kesuma Adriani Division Head of Investor Relations
Nyoman Sugiri Yasa Senior Executive Vice President of Operations
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

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.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits