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STOCK COMPARISON

PNC Financial Services Group vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how PNC Financial Services Group (PNC) and Bank Central Asia Tbk (BBCA) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: PNC Financial Services Group trades at $253 versus a fair value of $225 (-11%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 6,087 (-4%).
PNC Financial Services Group
PNC · USD · Financials
-11%
upside to fair value
overvalued
Price$253
Fair Value$225
Quality68/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-4%
upside to fair value
fairly valued
PriceIDR 6,350
Fair ValueIDR 6,087
Quality59/100

Head-to-head numbers

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

PNC Financial Services GroupBank Central Asia Tbk
Valuation
14.6×P/E (TTM)13.1×
4.39×P/S (TTM)6.99×
1.67×P/B2.70×
13.8×EV/EBITDA9.0×
2.00×PEG2.86×
2.7%Dividend yield5.4%
$6.70Dividend per shareIDR 336
Profitability
31%Net margin53%
37%Operating margin68%
12%Return on equity23%
1%Return on assets4%
Growth
14%Revenue growth (YoY)3%
10.0%Avg. growth/yr (3Y)9.3%
11.4%Avg. growth/yr (5Y)10.2%
Balance & size
0.94×Debt / equity—
$101BMarket cap$76B
mixedGrowth qualityhealthy

Bank Central Asia Tbk leads: 6 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.

PNC Financial Services Groupof which business quality 54 · market factors 75 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
34
45
Quality GrowthAre margins and returns improving?
60
46
CashflowEarnings quality: real cash, not paper profit
57
89
Fin. StrengthBalance sheet, leverage, solvency risk
23
19
InvestmentDisciplined investing over empire-building
82
75
Low VolatilityCalm price path (market factor)
77
79
MomentumPrice trend over the last 3–12 months (market factor)
67
29
52W MomentumDistance to the 52-week high (market factor)
87
26
Net IssuanceBuybacks instead of dilution
97
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.

PNC Financial Services Group

DCF Models$199
Earnings-Based$130
Dividend Discount$125
Multiples$269
Asset-Based$101
Growth DCF$152
Economic Profit$155
Growth Earnings$305

19 of 25 models see the stock below the current price.

Bank Central Asia Tbk

DCF ModelsIDR 11,901
Earnings-BasedIDR 5,663
MultiplesIDR 7,755
Asset-BasedIDR 1,535
Growth DCFIDR 10,556
Economic ProfitIDR 5,973
Growth EarningsIDR 8,213

9 of 24 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.

PNC Financial Services Group
Bear $168Fair Value $225Bull $281
$253 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 4,565Fair Value IDR 6,087Bull IDR 7,609
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.

PNC Financial Services Group · Financials

Quality score68 · Top 25%
Fair value upside-11% · below median

Bank Central Asia Tbk · Financials

Quality score59 · above median
Fair value upside-4% · below median

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: PNC Financial Services Group trades at $253 versus a fair value of $225 (-11%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 6,087 (-4%).

PNC Financial Services Group has the higher quality score (68/100).

See the full analysis →
PNC Financial Services Group · 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.