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STOCK COMPARISON

Z1io34 vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Z1io34 (Z1IO34) 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: Z1io34 trades at BRL 348 versus a fair value of BRL 122 (-65%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 6,087 (-4%).
Z1io34
Z1IO34.SA · BRL · Information Technology
-65%
upside to fair value
overvalued
PriceBRL 348
Fair ValueBRL 122
Quality62/100
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).

Z1io34Bank Central Asia Tbk
Valuation
10.6×P/E (TTM)13.1×
3.00×P/S (TTM)6.99×
1.42×P/B2.70×
—EV/EBITDA9.0×
4.67×PEG2.86×
0.5%Dividend yield5.4%
BRL 1.78Dividend per shareIDR 336
Profitability
28%Net margin53%
36%Operating margin68%
14%Return on equity23%
1%Return on assets4%
Growth
10%Revenue growth (YoY)3%
2.4%Avg. growth/yr (3Y)9.3%
—Avg. growth/yr (5Y)10.2%
Balance & size
0.20×Debt / equity—
$10BMarket cap$76B
healthyGrowth 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.

Z1io34of which business quality 55 · market factors 64 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
44
45
Quality GrowthAre margins and returns improving?
49
46
CashflowEarnings quality: real cash, not paper profit
84
89
Fin. StrengthBalance sheet, leverage, solvency risk
11
19
InvestmentDisciplined investing over empire-building
74
75
Low VolatilityCalm price path (market factor)
78
79
MomentumPrice trend over the last 3–12 months (market factor)
51
29
52W MomentumDistance to the 52-week high (market factor)
70
26
Net IssuanceBuybacks instead of dilution
84
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.

Z1io34

DCF ModelsBRL 101
Earnings-BasedBRL 84.62
Dividend DiscountBRL 23.96
MultiplesBRL 85.54
Asset-BasedBRL 32.70
Growth DCFBRL 91.70
Economic ProfitBRL 55.27
Growth EarningsBRL 95.60

18 of 18 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.

Z1io34
Bear BRL 91.68Fair Value BRL 122Bull BRL 153
BRL 348 = 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.

Z1io34 · Information Technology

Quality score62 · Top 25%
Fair value upside-65% · 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: Z1io34 trades at BRL 348 versus a fair value of BRL 122 (-65%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 6,087 (-4%).

Z1io34 has the higher quality score (62/100).

See the full analysis →
Z1io34 · 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.