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STOCK COMPARISON

Bank Albilad vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Bank Albilad (1140) and Bank Central Asia Tbk (BBCA) compare, as of Aug 16, 2026.

As of Aug 16, 2026, Fair Value Calculator sees Bank Albilad as the less overvalued of the two: Bank Albilad trades at SAR 24.90 versus a fair value of SAR 22.05 (-11%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 4,637 (-27%).
Bank Albilad
1140.SR · SAR · Financials
-11%
upside to fair value
overvalued
PriceSAR 24.90
Fair ValueSAR 22.05
Quality50/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-27%
upside to fair value
overvalued
PriceIDR 6,350
Fair ValueIDR 4,637
Quality64/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Bank AlbiladBank Central Asia Tbk
Valuation
12.6×P/E (TTM)13.1×
1.58×P/S (TTM)6.99×
0.51×P/B2.70×
0.6×EV/EBITDA9.0×
—PEG2.86×
4.3%Dividend yield5.4%
SAR 1.05Dividend per shareIDR 336
Profitability
51%Net margin53%
57%Operating margin68%
14%Return on equity23%
2%Return on assets4%
Growth
4%Revenue growth (YoY)3%
29.2%Avg. growth/yr (3Y)9.3%
21.2%Avg. growth/yr (5Y)10.2%
Balance & size
0.11×Debt / equity—
$10BMarket cap$76B
healthyGrowth qualityhealthy

Bank Albilad leads: 7 to 5 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Bank Albiladof which business quality 48 · market factors 54 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
39
45
Quality GrowthAre margins and returns improving?
43
46
CashflowEarnings quality: real cash, not paper profit
88
89
Fin. StrengthBalance sheet, leverage, solvency risk
19
19
InvestmentDisciplined investing over empire-building
57
75
Low VolatilityCalm price path (market factor)
93
79
MomentumPrice trend over the last 3–12 months (market factor)
40
29
52W MomentumDistance to the 52-week high (market factor)
35
26
Net IssuanceBuybacks instead of dilution
40
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Bank Albilad

Dividend DiscountSAR 7.92
MultiplesSAR 22.05
Asset-BasedSAR 8.45
Economic ProfitSAR 18.00

5 of 6 models see the stock below the current price.

Bank Central Asia Tbk

MultiplesIDR 4,647
Asset-BasedIDR 1,535
Economic ProfitIDR 4,267

4 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Bank Albilad
Bear SAR 16.53Fair Value SAR 22.05Bull SAR 27.56
SAR 24.90 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 3,478Fair Value IDR 4,637Bull IDR 5,796
IDR 6,350 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Bank Albilad · Financials

Quality score50 · below median
Fair value upside-11% · below median

Bank Central Asia Tbk · Financials

Quality score64 · Top 25%
Fair value upside-27% · below median

Bottom line

As of Aug 16, 2026, Fair Value Calculator sees Bank Albilad as the less overvalued of the two: Bank Albilad trades at SAR 24.90 versus a fair value of SAR 22.05 (-11%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 4,637 (-27%).

Bank Central Asia Tbk has the higher quality score (64/100).

See the full analysis →
Bank Albilad · Bank Central Asia Tbk

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.