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Bank Yudha Bhakti Tbk (BBYB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank Yudha Bhakti Tbk stock IDR 283, price IDR 151, upside +87.4%, quality 64 out of 100. Rating: strongly undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services ID · ISIN ID1000133408

BY Bank Yudha Bhakti Tbk logo Thin data Nov 8, 2026

Bank Yudha Bhakti Tbk

BBYB · JK
Undervalued, but in a downtrend

The stock costs 47% less than our calculation considers fair.

Fair value 282.94 IDR · Strongly undervalued
Quality 64/100
Healthy Growth (revenue 5y +48.4 %/yr in IDR)
Highly profitable · 40.4% net margin (TTM)
Low debt
Generates free cash flow
Ranks above peers (14/14)
Costs just 3.4 times its yearly profit.
Wide moat 70/100 · thin data
Thin data
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

2,614 IDR 142.00 IDR Fair Value 282.94 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range 142.00 IDR – 2,614 IDR · fair‑value band 256.47 IDR – 337.66 IDR · the 151.00 IDR price screens below the 282.94 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 3 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 8, 2026.

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Company profile

PT Bank Neo Commerce Tbk provides digital banking products and services in Indonesia.

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The company offers individual banking services, including personal and business accounts; regular, NOW, Neo wish, and Neo business savings; WOW and FLEXI time deposits; Neo and micro business loans; transaction services, such as transfer, hematpay, QRIS, virtual accounts, bills and top up, and cardless cash withdrawal services; Neo membership; and gamified experience comprising Neo world, SocialFi, and Neo journal.

It also provides wealth management services that consist of mutual funds that include money market, fixed income, balanced, and equity funds; bancassurance products, such as health, life, and general insurance; gold investments; and other branch offerings.

In addition, the company offers deposits, including current accounts and regular time deposit; cash management services comprising payroll services and corporate internet banking; API banking services for enterprises and businesses; and lending products, such as financial institution lending, MSME, and commercial/corporate loans, as well as investment and working capital loans.

The company was formerly known as PT Bank Yudha Bhakti Tbk and changed its name to PT Bank Neo Commerce in September 2020. PT Bank Neo Commerce Tbk was founded in 1989 and is headquartered in Jakarta Selatan, Indonesia.

Stock analysis

Bank Yudha Bhakti Tbk (BBYB) currently trades at 151.00 IDR, while our model-based Fair Value estimate is 282.94 IDR, implying the stock looks roughly 47% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 489.31 IDR per share, and 4 of the 4 models we run sit above the 151.00 IDR price.

Bear case: the Asset-Based group reads lowest at 204.72 IDR, and 0 of the 4 models stay below the price. Data coverage for this calculation is low.

Scenario range: 256.47 IDR (bear) to 337.66 IDR (bull), the price of 151.00 IDR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank Yudha Bhakti Tbk reported revenue of 3.3T IDR in FY2025 versus 791B IDR in FY2021, a compound +42.7%/yr. Reported net income was 566B IDR in FY2025.

Key figures

Market cap 2.0T IDR (≈ $112M) Micro · P/E ratio 3.4 · P/S ratio 1.39 · EPS (TTM) 43.78 IDR · Net margin 40.4% · Return on equity 14.1% · Return on assets (EBIT) −2.6% (5-year average) · Operating margin 44.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).

What moves the price

The share trades about 74% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 87%, BBYB screens cheaper than that median.

Fair Value models

Bear 256.47 IDR Fair Value 282.94 IDR Bull 337.66 IDR
Price 151.00 IDR · Upside +87.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (37.54 IDR per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 256.47 IDR 282.94 IDR 337.66 IDR 71
P/E Multiple 413.13 IDR 550.84 IDR 688.55 IDR 63
P/B Multiple 320.83 IDR 427.78 IDR 534.72 IDR 55
All 4 models by family
Multiples
P/E Multiple 413.13 IDR 550.84 IDR 688.55 IDR 63
P/B Multiple 320.83 IDR 427.78 IDR 534.72 IDR 55
Asset-Based
NCAV (Graham) 152.78 IDR 204.72 IDR 305.56 IDR 54
Economic Profit
Residual Income 256.47 IDR 282.94 IDR 337.66 IDR 71

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Quality Score breakdown

Overall quality 64/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 35
How much profit the company makes from its sales and capital
Quality Growth 41
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 37
Debt, balance sheet and risk of trouble
Investment 93
Does it invest with discipline instead of growing at any price?
Low Volatility 34
How calm the share price moves, does not count
Price momentum 0
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 64
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+69.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+48.4%
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.3%
What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
≈ +78.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +78.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 78.3% / 17.6%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.3% → 17%
⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 2.35 per share, median 5.53 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 13/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 64 · Top 25%
Fair Value upside +87.4% · Top 25%
Profitability
Return on equity (12 months) 14.1% · Top 25%
Return on assets 3.0% · Top 25%
Net margin (12 months) 40.4% · Top 25%
Operating margin (12 months) 44.3% · Above median
Growth and dividend
Revenue growth (quarter YoY) 11.7% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 3.4× · Cheapest 25%
P/B 0.48× · Cheapest 25%
P/S (12 months) 1.39× · Cheapest 25%
Price / free cash flow (fiscal year) 1.0× · Cheapest 25%
EV/EBITDA 1.4× · Cheapest 25%
PEG 0.19× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)59 · sector 47
PAST (return on equity)56 · sector 43
HEALTH (low debt)100 · sector 85
DIVIDEND (yield)0 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BBYB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BBYB
BNP Paribas SA BNP €91.93 €106.01 +15% vs BBYB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BBYB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BBYB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BBYB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BBYB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BBYB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BBYB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BBYB

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Cite: Fair Value Calculator (2026). "Bank Yudha Bhakti Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BBYB

Frequently asked questions

Is Bank Yudha Bhakti Tbk (BBYB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 282.94 IDR versus a price of 151.00 IDR, about +87% upside (undervalued).
What is the fair value of BBYB?
Our model-based fair value for Bank Yudha Bhakti Tbk is 282.94 IDR (as of Nov 8, 2026), built from audited fundamentals. The current price: 151.00 IDR.
What is the quality score of BBYB?
Bank Yudha Bhakti Tbk has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Yudha Bhakti Tbk (BBYB)?
Our model-based price target is the fair value of 282.94 IDR (as of Nov 8, 2026) from 4 valuation models. Cautious scenario 256.47 IDR, optimistic scenario 337.66 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Yudha Bhakti Tbk stock forecast for 2026?
Our models put fair value at 282.94 IDR, about +87% upside versus a price of 151.00 IDR (undervalued). Cautious scenario 256.47 IDR, optimistic scenario 337.66 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Yudha Bhakti Tbk (BBYB)?
Bank Yudha Bhakti Tbk reported trailing-twelve-month revenue of about 1.4T IDR (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Bank Yudha Bhakti Tbk (BBYB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Yudha Bhakti Tbk it is 282.94 IDR per share (as of Nov 8, 2026), against a price of 151.00 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Bank Yudha Bhakti Tbk stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BBYB trades below its calculated fair value: price 151.00 IDR, fair value 282.94 IDR, a gap of about +87% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BBYB?
No. The price is what the market pays today (151.00 IDR); the fair value is what the company's own numbers justify (282.94 IDR). For Bank Yudha Bhakti Tbk the two are 131.94 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Yudha Bhakti Tbk worth?
The market values Bank Yudha Bhakti Tbk at about 2.0T IDR (market capitalisation, as of Nov 8, 2026). Per share that is 151.00 IDR; our models calculate a fair value of 282.94 IDR per share.
What do the bullish and bearish scenarios say about BBYB?
Our models span a range for Bank Yudha Bhakti Tbk: cautious scenario 256.47 IDR, base 282.94 IDR, optimistic 337.66 IDR per share (as of Nov 8, 2026, price 151.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BBYB?
Bank Yudha Bhakti Tbk trades at a price-to-earnings ratio of 3.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 282.94 IDR is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2016 to 2025), reported earnings: 112.3. Other multiples: PEG 0.2, P/B 0.5, P/S 1.4, EV/EBITDA 1.4.
What is the PEG ratio of BBYB?
The PEG ratio of Bank Yudha Bhakti Tbk is 0.19 (P/E divided by earnings growth, as of Nov 8, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Bank Yudha Bhakti Tbk (BBYB)?
Balance-sheet figures for Bank Yudha Bhakti Tbk (as of Nov 8, 2026): return on equity 14.1%. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is BBYB from its 52-week high?
Bank Yudha Bhakti Tbk trades at 151.00 IDR, about 74% below its 52-week high of 590.00 IDR and 6% above the low of 142.00 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 282.94 IDR is for.
Which stocks are comparable to Bank Yudha Bhakti Tbk?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Yudha Bhakti Tbk stock attractive at the current price?
The data as of Nov 8, 2026: price 151.00 IDR, calculated fair value 282.94 IDR (+87%), Quality Score 64/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BBYB calculated?
We run Bank Yudha Bhakti Tbk through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 282.94 IDR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Bank Yudha Bhakti Tbk currently trades 47% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Yudha Bhakti Tbk (BBYB)?
The closing price on Nov 6, 2026 was 151.00 IDR. Our model-based fair value is 282.94 IDR, about +87% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Yudha Bhakti Tbk right now?
The price is below even our cautious bear case (256.47 IDR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank Yudha Bhakti Tbk (BBYB) come from?
Earnings per share at Bank Yudha Bhakti Tbk grew +8.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.4 %, EBIT margin −3.6 %, tax rate +3.4 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank Yudha Bhakti Tbk

How large is the market capitalisation of Bank Yudha Bhakti Tbk (BBYB)?
The market capitalisation of Bank Yudha Bhakti Tbk is 2.0T IDR (≈ $112M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Yudha Bhakti Tbk (BBYB)?
The price-to-sales ratio of Bank Yudha Bhakti Tbk is 1.39 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Yudha Bhakti Tbk (BBYB)?
Earnings per share at Bank Yudha Bhakti Tbk are 43.78 IDR (price ÷ EPS = P/E 3.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Yudha Bhakti Tbk (BBYB)?
The net margin of Bank Yudha Bhakti Tbk is 40.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Yudha Bhakti Tbk (BBYB)?
The return on equity (ROE) of Bank Yudha Bhakti Tbk is 14.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Yudha Bhakti Tbk (BBYB)?
On an EBIT basis the return on assets of Bank Yudha Bhakti Tbk is −2.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Yudha Bhakti Tbk (BBYB)?
The operating margin of Bank Yudha Bhakti Tbk is 44.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Yudha Bhakti Tbk (BBYB)?
Revenue at Bank Yudha Bhakti Tbk is growing +11.7% versus a year earlier (3y avg +9.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Yudha Bhakti Tbk (BBYB)?
Earnings per share at Bank Yudha Bhakti Tbk are growing +43.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Yudha Bhakti Tbk (BBYB) generate?
The free cash flow of Bank Yudha Bhakti Tbk is 2.0T IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Bank Yudha Bhakti Tbk (BBYB) hold?
Bank Yudha Bhakti Tbk holds more cash than debt, 858B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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