Bank BRISyariah Tbk PT (BRIS) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bank BRISyariah Tbk PT stock IDR 1,336, price IDR 1,150, upside +16.1%, quality 60 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Bank BRISyariah Tbk PT
BRIS · JKThe stock costs 14% less than our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 1,005 IDR – 3,079 IDR · fair‑value band 1,063 IDR – 2,045 IDR · the 1,150 IDR price screens below the 1,336 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
PT Bank Syariah Indonesia Tbk provides various commercial banking products and services for individuals and corporations in Indonesia. It operates through Corporate Banking, Commercial Banking, Institutional Relation, Retail Banking, and Treasury Banking and Head Office segments.
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The company offers savings; financing; investment; trade financing; and cash management services.
It also provides multipurpose, vehicles, pensioners, financing cards, gold installments and pawn gold, and government program financing; debit cards; digital banking; and foreign exchange transactions, money market, fixed income, international banking business, capital market, and supervision of foreign office services.
In addition, the company engages in the management of customer and pension funds.
It serves state institutions, multinational companies, banks and non-bank financial institutions, syndicated financing, public companies and securities companies; regional governments, hospitals, and state and private universities; and micro entrepreneurs.
The company was founded in 1969 and is headquartered in Jakarta Selatan, Indonesia. PT Bank Syariah Indonesia Tbk operates as a subsidiary of PT Bank Mandiri (Persero) Tbk.
Stock analysis
Bank BRISyariah Tbk PT (BRIS) currently trades at 1,150 IDR, while our model-based Fair Value estimate is 1,336 IDR, implying the stock looks roughly 14% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 1,818 IDR per share, and 3 of the 6 models we run sit above the 1,150 IDR price.
Bear case: the Dividend Discount group reads lowest at 325.91 IDR, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 1,063 IDR (bear) to 2,045 IDR (bull), the price of 1,150 IDR sits inside 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 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank BRISyariah Tbk PT reported revenue of 33.9T IDR in FY2025 versus 15.8T IDR in FY2021, a compound +21.0%/yr. Reported net income was 7.6T IDR in FY2025, compounding +25.7%/yr from FY2021.
Key figures
Market cap 53.0T IDR (≈ $2.9B) Mid · P/E ratio 6.7 · P/S ratio 2.10 · EPS (TTM) 170.58 IDR · Net margin 31.5% · Return on equity 16.2% · Return on assets (EBIT) 2.0% (5-year average) · Operating margin 41.2%.
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 53% below its 52-week high and 14% 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 16%, BRIS screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Bank BRISyariah Tbk PT with another stock
Price, fair value, quality and upside side by side.
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 · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Revenue growth by industry
- PEG ratio by industry
- Piotroski F-Score screener with fair value
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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 BRIS |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BRIS |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BRIS |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BRIS |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BRIS |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BRIS |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs BRIS |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BRIS |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BRIS |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BRIS |
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Frequently asked questions
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Key figures of Bank BRISyariah Tbk PT
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