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STOCK COMPARISON

Karur Vysya Bank vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Karur Vysya Bank (KARURVYSYA) and Bank Central Asia Tbk (BBCA) compare, as of Aug 18, 2026.

As of Aug 18, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Karur Vysya Bank trades at ₹334 versus a fair value of ₹230 (-31%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 4,637 (-27%).
Karur Vysya Bank
KARURVYSYA.NSE · INR · Financials
-31%
upside to fair value
overvalued
Price₹334
Fair Value₹230
Quality43/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-27%
upside to fair value
overvalued
PriceIDR 6,350
Fair ValueIDR 4,637
Quality64/100
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Head-to-head numbers

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

Karur Vysya BankBank Central Asia Tbk
Valuation
12.9×P/E (TTM)13.1×
4.63×P/S (TTM)6.99×
2.06×P/B2.70×
7.2×EV/EBITDA9.0×
PEG2.86×
0.9%Dividend yield5.4%
₹2.60Dividend per shareIDR 336
Profitability
40%Net margin53%
58%Operating margin68%
19%Return on equity23%
2%Return on assets4%
Growth
20%Revenue growth (YoY)3%
21.3%Avg. growth/yr (3Y)9.3%
15.6%Avg. growth/yr (5Y)10.2%
Balance & size
0.09×Debt / equity
$3BMarket cap$76B
healthyGrowth qualityhealthy

Karur Vysya Bank leads: 7 to 5 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.

Karur Vysya Bankof which business quality 40 · market factors 76 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
36
45
Quality GrowthAre margins and returns improving?
55
46
CashflowEarnings quality: real cash, not paper profit
79
89
Fin. StrengthBalance sheet, leverage, solvency risk
13
19
InvestmentDisciplined investing over empire-building
45
75
Low VolatilityCalm price path (market factor)
77
79
MomentumPrice trend over the last 3–12 months (market factor)
66
29
52W MomentumDistance to the 52-week high (market factor)
92
26
Net IssuanceBuybacks instead of dilution
8
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.

Karur Vysya Bank

Dividend Discount₹41.24
Multiples₹271
Asset-Based₹97.81
Economic Profit₹251

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.

Karur Vysya Bank
Bear ₹173Fair Value ₹230Bull ₹288
₹334 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 3,478Fair Value IDR 4,637Bull IDR 5,796
IDR 6,350 = 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.

Karur Vysya Bank · Financials

Quality score43 · bottom 25%
Fair value upside-31% · below median

Bank Central Asia Tbk · Financials

Quality score64 · Top 25%
Fair value upside-27% · below median

Bottom line

As of Aug 18, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Karur Vysya Bank trades at ₹334 versus a fair value of ₹230 (-31%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 4,637 (-27%).

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

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.