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PT Bank Capital Indonesia Tbk (BACA) Fair Value & Analysis

Financial Services · ID · Market cap 2.0T IDR

Price109.00 IDR
Fair Value82.08 IDR
Upside-24.7%
Quality95/100
Evidence: High Range 61.56 IDR – 102.60 IDR

Fair value as of: Jun 26, 2026

Analysis

PT Bank Capital Indonesia Tbk (BACA) currently trades at 109.00 IDR, while our model-based Fair Value estimate is 82.08 IDR — implying the stock looks roughly 24.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

PT Bank Capital Indonesia Tbk provides various banking products and services in Indonesia. The company offers current accounts, savings accounts, and time deposits in both Rupiah and foreign currencies, as well as placements with Bank Indonesia and other banks, marketable securities, and loans to individuals, corporations, and households. It also offers trade finance, treasury services, and payment system solutions, including electronic banking and ATM network. In addition, the company provides loan restructuring, clearing, foreign currency, export and import, payroll, facility and security agent, pick-up, internet and mobile banking services. The company was formerly known as PT Bank Credit Lyonnais Indonesia and changed its name to PT Bank Capital Indonesia Tbk in September 2004. PT Bank Capital Indonesia Tbk was founded in 1989 and is headquartered in Jakarta Selatan, Indonesia. PT Bank Capital Indonesia Tbk operates as a subsidiary of Pt Capital Global Investama.

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Frequently asked questions

Is PT Bank Capital Indonesia Tbk (BACA) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 82.08 IDR versus a price of 109.00 IDR — about −25% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BACA?
Our 21-model fair value for PT Bank Capital Indonesia Tbk is 82.08 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 109.00 IDR.
What is the quality score of BACA?
PT Bank Capital Indonesia Tbk has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.