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STOCK COMPARISON

Shanghai Commercial & Savings Bank vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Shanghai Commercial & Savings Bank (5876) 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: Shanghai Commercial & Savings Bank trades at TWD 43.45 versus a fair value of TWD 33.78 (-22%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Shanghai Commercial & Savings Bank
5876.TW · TWD · Financials
-22%
upside to fair value
overvalued
PriceTWD 43.45
Fair ValueTWD 33.78
Quality28/100
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).

Shanghai Commercial & Savings BankBank Central Asia Tbk
Valuation
14.8×P/E (TTM)13.1×
5.62×P/S (TTM)6.99×
1.07×P/B2.70×
10.7×EV/EBITDA9.0×
—PEG2.86×
—Dividend yield5.4%
—Dividend per shareIDR 336
Profitability
39%Net margin53%
59%Operating margin68%
6%Return on equity23%
1%Return on assets4%
Growth
11%Revenue growth (YoY)3%
14.9%Avg. growth/yr (3Y)9.3%
11.6%Avg. growth/yr (5Y)10.2%
Balance & size
0.33×Debt / equity—
$7BMarket cap$76B
expensiveGrowth qualityhealthy

Bank Central Asia Tbk leads: 5 to 6 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.

Shanghai Commercial & Savings Bankof which business quality 22 · market factors 64 Bank Central Asia Tbkof which business quality 57 · market factors 42
ProfitabilityMargins and returns on capital today
26
45
Quality GrowthAre margins and returns improving?
34
46
CashflowEarnings quality: real cash, not paper profit
0
89
Fin. StrengthBalance sheet, leverage, solvency risk
10
19
InvestmentDisciplined investing over empire-building
87
75
Low VolatilityCalm price path (market factor)
98
79
MomentumPrice trend over the last 3–12 months (market factor)
48
28
52W MomentumDistance to the 52-week high (market factor)
51
26
Net IssuanceBuybacks instead of dilution
3
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.

Shanghai Commercial & Savings Bank

Dividend DiscountTWD 34.28
MultiplesTWD 45.86
Asset-BasedTWD 28.31
Economic ProfitTWD 37.55

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.

Shanghai Commercial & Savings Bank
Bear TWD 25.34Fair Value TWD 33.78Bull TWD 42.23
TWD 43.45 = 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.

Shanghai Commercial & Savings Bank · Financials

Quality score28 · bottom 25%
Fair value upside-22% · 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: Shanghai Commercial & Savings Bank trades at TWD 43.45 versus a fair value of TWD 33.78 (-22%), 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 →
Shanghai Commercial & Savings 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.