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STOCK COMPARISON

Bank Mestika Dharma Tbk vs KB Financial: Fair Value & Quality

Both stocks run through our valuation models. Here is how Bank Mestika Dharma Tbk (BBMD) and KB Financial (105560) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Mestika Dharma Tbk trades at IDR 2,000 versus a fair value of IDR 1,032 (-48%), while KB Financial trades at KRW 175,800 versus KRW 213,797 (+22%).
Bank Mestika Dharma Tbk
BBMD.JK · IDR · Financials
-48%
upside to fair value
overvalued
PriceIDR 2,000
Fair ValueIDR 1,032
Quality60/100
KB Financial
105560.KO · KRW · Financials
+22%
upside to fair value
undervalued
PriceKRW 175,800
Fair ValueKRW 213,797
Quality61/100

Head-to-head numbers

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

Bank Mestika Dharma TbkKB Financial
Valuation
25.5×P/E (TTM)
8.76×P/S (TTM)
1.47×P/B
16.5×EV/EBITDA12.3×
PEG0.74×
Dividend yield2.7%
Dividend per shareKRW 4,598
Profitability
34%Net margin37%
39%Operating margin61%
6%Return on equity10%
2%Return on assets1%
Growth
-18%Revenue growth (YoY)15%
-2.0%Avg. growth/yr (3Y)8.4%
0.9%Avg. growth/yr (5Y)7.1%
Balance & size
Debt / equity2.21×
$802MMarket cap$46B
weakGrowth qualityhealthy

KB Financial leads: 1 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.

Bank Mestika Dharma Tbkof which business quality 57 · market factors 53 KB Financialof which business quality 54 · market factors 75
ProfitabilityMargins and returns on capital today
34
37
Quality GrowthAre margins and returns improving?
24
60
CashflowEarnings quality: real cash, not paper profit
84
62
Fin. StrengthBalance sheet, leverage, solvency risk
41
15
InvestmentDisciplined investing over empire-building
86
80
Low VolatilityCalm price path (market factor)
87
65
MomentumPrice trend over the last 3–12 months (market factor)
40
74
52W MomentumDistance to the 52-week high (market factor)
38
89
Net IssuanceBuybacks instead of dilution
82
100

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 Mestika Dharma Tbk

MultiplesIDR 1,191
Asset-BasedIDR 906
Economic ProfitIDR 1,118

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

KB Financial

Dividend DiscountKRW 68,945
MultiplesKRW 223,434
Asset-BasedKRW 111,541
Economic ProfitKRW 165,559

4 of 6 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 Mestika Dharma Tbk
Bear IDR 774Fair Value IDR 1,032Bull IDR 1,291
IDR 2,000 = current price (white tick)
KB Financial
Bear KRW 160,348Fair Value KRW 213,797Bull KRW 267,246
KRW 175,800 = 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 Mestika Dharma Tbk · Financials

Quality score60 · above median
Fair value upside-48% · bottom 25%

KB Financial · Financials

Quality score61 · above median
Fair value upside+22% · above median

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Mestika Dharma Tbk trades at IDR 2,000 versus a fair value of IDR 1,032 (-48%), while KB Financial trades at KRW 175,800 versus KRW 213,797 (+22%).

KB Financial has the higher quality score (61/100).

See the full analysis →

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