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STOCK COMPARISON

Powszechna Kasa Oszczednosci Bank Polski vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Powszechna Kasa Oszczednosci Bank Polski (PKO) and Bank Central Asia Tbk (BBCA) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees Powszechna Kasa Oszczednosci Bank Polski as the less overvalued of the two: Powszechna Kasa Oszczednosci Bank Polski trades at PLN 111 versus a fair value of PLN 85.97 (-23%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 4,637 (-27%).
Powszechna Kasa Oszczednosci Bank Polski
PKO.WAR · PLN · Financials
-23%
upside to fair value
overvalued
PricePLN 111
Fair ValuePLN 85.97
Quality53/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-27%
upside to fair value
overvalued
PriceIDR 6,350
Fair ValueIDR 4,637
Quality64/100

Head-to-head numbers

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

Powszechna Kasa Oszczednosci Bank PolskiBank Central Asia Tbk
Valuation
12.4×P/E (TTM)13.1×
1.23×P/S (TTM)6.99×
0.61×P/B2.70×
3.4×EV/EBITDA9.0×
1.45×PEG2.86×
5.7%Dividend yield5.4%
PLN 6.14Dividend per shareIDR 336
Profitability
37%Net margin53%
59%Operating margin68%
19%Return on equity23%
2%Return on assets4%
Growth
0%Revenue growth (YoY)3%
21.5%Avg. growth/yr (3Y)9.3%
16.3%Avg. growth/yr (5Y)10.2%
Balance & size
0.63×Debt / equity—
$36BMarket cap$76B
healthyGrowth qualityhealthy

Powszechna Kasa Oszczednosci Bank Polski leads: 8 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.

Powszechna Kasa Oszczednosci Bank Polskiof which business quality 49 · market factors 75 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
41
45
Quality GrowthAre margins and returns improving?
33
46
CashflowEarnings quality: real cash, not paper profit
83
89
Fin. StrengthBalance sheet, leverage, solvency risk
14
19
InvestmentDisciplined investing over empire-building
48
75
Low VolatilityCalm price path (market factor)
79
79
MomentumPrice trend over the last 3–12 months (market factor)
67
29
52W MomentumDistance to the 52-week high (market factor)
83
26
Net IssuanceBuybacks instead of dilution
82
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.

Powszechna Kasa Oszczednosci Bank Polski

MultiplesPLN 88.32
Asset-BasedPLN 31.36
Economic ProfitPLN 74.14

3 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.

Powszechna Kasa Oszczednosci Bank Polski
Bear PLN 64.48Fair Value PLN 85.97Bull PLN 107
PLN 111 = 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.

Powszechna Kasa Oszczednosci Bank Polski · Financials

Quality score53 · below median
Fair value upside-23% · below median

Bank Central Asia Tbk · Financials

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

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees Powszechna Kasa Oszczednosci Bank Polski as the less overvalued of the two: Powszechna Kasa Oszczednosci Bank Polski trades at PLN 111 versus a fair value of PLN 85.97 (-23%), 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 →
Powszechna Kasa Oszczednosci Bank Polski · 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.