PT Allo Bank Indonesia Tbk (BBHI) Fair Value & Analysis

Financial Services · ID · Market cap 20.4T IDR

A solid business, but screening 62% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case (431.68 IDR). The favourable scenario is already priced in.
• Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.

How to read this chart

60‑month range 187.69 IDR – 7,081 IDR · fair‑value band 259.01 IDR – 431.68 IDR · the 910.00 IDR price screens above the 345.34 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.

Full chart & analysis →

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Analysis

PT Allo Bank Indonesia Tbk (BBHI) currently trades at 910.00 IDR, while our model-based Fair Value estimate is 345.34 IDR, implying the stock looks roughly 62.1% overvalued today. The Quality Score stands at 62/100 (solid 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).

Over the trailing twelve months, PT Allo Bank Indonesia Tbk generated revenue of 1.6T IDR at a net margin of 36.1%. Revenue grew 6.1% year over year. It earns a return on equity of 7.6%. Net debt stands at 130B IDR. Fundamentals as of Jul 18, 2026

Our scenario range runs from 259.01 IDR (bear case) to 431.68 IDR (bull case); at 910.00 IDR, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 46% below its 52-week high and 41% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -62%, BBHI screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples (345.34 IDR) versus Asset-Based (232.64 IDR). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

PT Allo Bank Indonesia Tbk provides various digital banking products and services in Indonesia. The company offers Allo Pay+ for fast and convenient transactions using QRIS; Allo Prime cash transfers and withdrawals; Allo Prime, which provides savings with interest, instant fund disbursement, and free transfer fees to other banks; and Allo Grow savings …

Full company description

PT Allo Bank Indonesia Tbk provides various digital banking products and services in Indonesia. The company offers Allo Pay+ for fast and convenient transactions using QRIS; Allo Prime cash transfers and withdrawals; Allo Prime, which provides savings with interest, instant fund disbursement, and free transfer fees to other banks; and Allo Grow savings product. It also provides Allo deposito for buy now, pay later, and instant funds. In addition, the company provides pay, top up, transfer, pay the bill, cash withdrawal services. The company was formerly known as PT Bank Harda Internasional Tbk and changed its name to PT Allo Bank Indonesia Tbk in June 2021. The company was founded in 1992 and is headquartered in Jakarta Selatan, Indonesia. PT Allo Bank Indonesia Tbk operates as a subsidiary of PT Mega Corpora.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

PT Allo Bank Indonesia Tbk reported revenue of 2.4T IDR in FY2025 versus 459B IDR in FY2021, a compound +50.8%/yr. Reported net income was 574B IDR in FY2025, compounding +31.4%/yr from FY2021.

BBHI screens 62% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

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.