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STOCK COMPARISON

Bk Harda Internasional Tbk Pt vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Bk Harda Internasional Tbk Pt (BBHI) 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: Bk Harda Internasional Tbk Pt trades at IDR 910 versus a fair value of IDR 345 (-62%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Bk Harda Internasional Tbk Pt
BBHI.JK · IDR · Financials
-62%
upside to fair value
overvalued
PriceIDR 910
Fair ValueIDR 345
Quality63/100
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).

Bk Harda Internasional Tbk PtBank Central Asia Tbk
Valuation
37.9×P/E (TTM)13.1×
13.04×P/S (TTM)6.99×
2.72×P/B2.70×
24.4×EV/EBITDA9.0×
—PEG2.86×
—Dividend yield5.4%
—Dividend per shareIDR 336
Profitability
36%Net margin53%
37%Operating margin68%
8%Return on equity23%
4%Return on assets4%
Growth
6%Revenue growth (YoY)3%
38.4%Avg. growth/yr (3Y)9.3%
69.9%Avg. growth/yr (5Y)10.2%
Balance & size
$2BMarket cap$76B
healthyGrowth qualityhealthy

Bank Central Asia Tbk leads: 4 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.

Bk Harda Internasional Tbk Ptof which business quality 60 · market factors 25 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
37
45
Quality GrowthAre margins and returns improving?
43
46
CashflowEarnings quality: real cash, not paper profit
94
89
Fin. StrengthBalance sheet, leverage, solvency risk
47
19
InvestmentDisciplined investing over empire-building
60
75
Low VolatilityCalm price path (market factor)
62
79
MomentumPrice trend over the last 3–12 months (market factor)
10
30
52W MomentumDistance to the 52-week high (market factor)
9
27
Net IssuanceBuybacks instead of dilution
83
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.

Bk Harda Internasional Tbk Pt

MultiplesIDR 398
Asset-BasedIDR 233
Economic ProfitIDR 312

4 of 4 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.

Bk Harda Internasional Tbk Pt
Bear IDR 259Fair Value IDR 345Bull IDR 432
IDR 910 = 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.

Bk Harda Internasional Tbk Pt · Financials

Quality score63 · above median
Fair value upside-62% · bottom 25%

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: Bk Harda Internasional Tbk Pt trades at IDR 910 versus a fair value of IDR 345 (-62%), 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 →
Bk Harda Internasional Tbk Pt · 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.