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STOCK COMPARISON

Luzerner Kantonalbank vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Luzerner Kantonalbank (LUKN) 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: Luzerner Kantonalbank trades at CHF 108 versus a fair value of CHF 77.57 (-28%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Luzerner Kantonalbank
LUKN.SW · CHF · Financials
-28%
upside to fair value
overvalued
PriceCHF 108
Fair ValueCHF 77.57
Quality48/100
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).

Luzerner KantonalbankBank Central Asia Tbk
Valuation
18.0×P/E (TTM)13.1×
9.98×P/S (TTM)6.99×
1.90×P/B2.70×
51.3×EV/EBITDA9.0×
—PEG2.86×
—Dividend yield5.4%
—Dividend per shareIDR 336
Profitability
45%Net margin53%
52%Operating margin68%
7%Return on equity23%
0%Return on assets4%
Growth
5%Revenue growth (YoY)3%
21.3%Avg. growth/yr (3Y)9.3%
13.8%Avg. growth/yr (5Y)10.2%
Balance & size
5.19×Debt / equity—
$7BMarket cap$76B
expensiveGrowth 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.

Luzerner Kantonalbankof which business quality 41 · market factors 81 Bank Central Asia Tbkof which business quality 57 · market factors 42
ProfitabilityMargins and returns on capital today
33
45
Quality GrowthAre margins and returns improving?
58
46
CashflowEarnings quality: real cash, not paper profit
0
89
Fin. StrengthBalance sheet, leverage, solvency risk
42
19
InvestmentDisciplined investing over empire-building
90
75
Low VolatilityCalm price path (market factor)
98
79
MomentumPrice trend over the last 3–12 months (market factor)
65
28
52W MomentumDistance to the 52-week high (market factor)
87
26
Net IssuanceBuybacks instead of dilution
54
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.

Luzerner Kantonalbank

Dividend DiscountCHF 33.93
MultiplesCHF 88.49
Asset-BasedCHF 47.58
Economic ProfitCHF 63.47

6 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.

Luzerner Kantonalbank
Bear CHF 58.18Fair Value CHF 77.57Bull CHF 96.97
CHF 108 = 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.

Luzerner Kantonalbank · Financials

Quality score48 · below median
Fair value upside-28% · 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: Luzerner Kantonalbank trades at CHF 108 versus a fair value of CHF 77.57 (-28%), 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 →
Luzerner Kantonalbank · 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.