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STOCK COMPARISON

Chang Hwa Commercial Bank vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Chang Hwa Commercial Bank (2801) and Bank Central Asia Tbk (BBCA) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Chang Hwa Commercial Bank trades at TWD 23.15 versus a fair value of TWD 19.16 (-17%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Chang Hwa Commercial Bank
2801.TW · TWD · Financials
-17%
upside to fair value
overvalued
PriceTWD 23.15
Fair ValueTWD 19.16
Quality36/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-5%
upside to fair value
fairly valued
PriceIDR 6,375
Fair ValueIDR 6,087
Quality64/100

Head-to-head numbers

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

Chang Hwa Commercial BankBank Central Asia Tbk
Valuation
15.9×P/E (TTM)13.1×
6.42×P/S (TTM)6.99×
1.28×P/B2.70×
7.1×EV/EBITDA9.0×
2.88×PEG2.86×
3.3%Dividend yield5.4%
TWD 0.80Dividend per shareIDR 336
Profitability
43%Net margin53%
53%Operating margin68%
9%Return on equity23%
1%Return on assets4%
Growth
14%Revenue growth (YoY)3%
24.3%Avg. growth/yr (3Y)9.3%
21.0%Avg. growth/yr (5Y)10.2%
Balance & size
0.25×Debt / equity—
$9BMarket cap$76B
expensiveGrowth qualityhealthy

Bank Central Asia Tbk leads: 6 to 7 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.

Chang Hwa Commercial Bankof which business quality 31 · market factors 74 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
28
45
Quality GrowthAre margins and returns improving?
52
46
CashflowEarnings quality: real cash, not paper profit
0
89
Fin. StrengthBalance sheet, leverage, solvency risk
18
19
InvestmentDisciplined investing over empire-building
71
75
Low VolatilityCalm price path (market factor)
98
79
MomentumPrice trend over the last 3–12 months (market factor)
59
30
52W MomentumDistance to the 52-week high (market factor)
70
27
Net IssuanceBuybacks instead of dilution
46
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.

Chang Hwa Commercial Bank

Dividend DiscountTWD 8.97
MultiplesTWD 22.66
Asset-BasedTWD 12.55
Economic ProfitTWD 17.16

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.

Chang Hwa Commercial Bank
Bear TWD 14.37Fair Value TWD 19.16Bull TWD 23.95
TWD 23.15 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 4,565Fair Value IDR 6,087Bull IDR 7,609
IDR 6,375 = 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.

Chang Hwa Commercial Bank · Financials

Quality score36 · bottom 25%
Fair value upside-17% · below median

Bank Central Asia Tbk · Financials

Quality score64 · Top 25%
Fair value upside-5% · below median

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Chang Hwa Commercial Bank trades at TWD 23.15 versus a fair value of TWD 19.16 (-17%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).

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

See the full analysis →
Chang Hwa Commercial Bank · 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.