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STOCK COMPARISON

PT Bank SMBC Indonesia Tbk vs KB Financial: Fair Value & Quality

Both stocks run through our valuation models. Here is how PT Bank SMBC Indonesia Tbk (BTPN) 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: PT Bank SMBC Indonesia Tbk trades at IDR 2,160 versus a fair value of IDR 617 (-71%), while KB Financial trades at KRW 175,800 versus KRW 213,797 (+22%).
PT Bank SMBC Indonesia Tbk
BTPN.JK · IDR · Financials
-71%
upside to fair value
overvalued
PriceIDR 2,160
Fair ValueIDR 617
Quality38/100
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).

PT Bank SMBC Indonesia TbkKB Financial
Valuation
53.4×P/E (TTM)—
2.29×P/S (TTM)—
0.50×P/B—
46.0×EV/EBITDA12.3×
0.41×PEG0.74×
0.4%Dividend yield2.7%
IDR 9Dividend per shareKRW 4,598
Profitability
4%Net margin37%
23%Operating margin61%
-0%Return on equity10%
-0%Return on assets1%
Growth
0%Revenue growth (YoY)15%
16.8%Avg. growth/yr (3Y)8.4%
9.8%Avg. growth/yr (5Y)7.1%
Balance & size
0.67×Debt / equity2.21×
$2BMarket cap$46B
healthyGrowth qualityhealthy

KB Financial 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.

PT Bank SMBC Indonesia Tbkof which business quality 39 · market factors 53 KB Financialof which business quality 54 · market factors 75
ProfitabilityMargins and returns on capital today
13
37
Quality GrowthAre margins and returns improving?
27
60
CashflowEarnings quality: real cash, not paper profit
82
62
Fin. StrengthBalance sheet, leverage, solvency risk
28
15
InvestmentDisciplined investing over empire-building
76
80
Low VolatilityCalm price path (market factor)
82
65
MomentumPrice trend over the last 3–12 months (market factor)
42
74
52W MomentumDistance to the 52-week high (market factor)
40
89
Net IssuanceBuybacks instead of dilution
12
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.

PT Bank SMBC Indonesia Tbk

MultiplesIDR 712
Asset-BasedIDR 2,986
Economic ProfitIDR 2,894

2 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.

PT Bank SMBC Indonesia Tbk
Bear IDR 463Fair Value IDR 617Bull IDR 772
IDR 2,160 = 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.

PT Bank SMBC Indonesia Tbk · Financials

Quality score38 · bottom 25%
Fair value upside-71% · 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: PT Bank SMBC Indonesia Tbk trades at IDR 2,160 versus a fair value of IDR 617 (-71%), 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 →
PT Bank SMBC Indonesia Tbk · KB Financial

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