Bank Bukopin Tbk (BBKP) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Bank Bukopin Tbk IDR 5, price IDR 39, upside -87.3%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 4, 2026.
How to read this chart
60‑month range 39.00 IDR – 453.07 IDR · fair‑value band 3.71 IDR – 6.18 IDR · the 39.00 IDR price screens above the 4.94 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 4, 2026.
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PT Bank KB Indonesia Tbk, together with its subsidiaries, provides commercial banking products and services to cooperatives in Indonesia. The company offers saving, demand deposit, time deposit, and current accounts. It also provides consumer, syndicated, joint financing, and channeling loans; financing, and banking services.
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PT Bank KB Indonesia Tbk, together with its subsidiaries, provides commercial banking products and services to cooperatives in Indonesia. The company offers saving, demand deposit, time deposit, and current accounts. It also provides consumer, syndicated, joint financing, and channeling loans; financing, and banking services. The company operates through a network of branches, sub-branches, and functional offices, as well as ATMs.It has operations in Jakarta, Bogor, Tangerang, Bekasi, Java, Sumatera, Kalimantan, and internationally. The company was formerly known as PT Bank KB Bukopin Tbk and changed its name to PT Bank KB Indonesia Tbk in August 2025. PT Bank KB Indonesia Tbk was founded in 1970 and is headquartered in Jakarta, Indonesia. PT Bank KB Indonesia Tbk is a subsidiary of KB Kookmin Bank.
Stock analysis
Bank Bukopin Tbk (BBKP) currently trades at 39.00 IDR, while our model-based Fair Value estimate is 4.94 IDR, 87.3% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 28.76 IDR per share, and 0 of the 4 models we run sit above the 39.00 IDR price.
Bear case: the Multiples group reads lowest at 4.55 IDR, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 3.71 IDR (bear) to 6.18 IDR (bull), the price of 39.00 IDR sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Bank Bukopin Tbk reported revenue of 7.0T IDR in FY2025 versus 4.3T IDR in FY2021, a compound +13.1%/yr. Reported net income was 65.8B IDR in FY2025.
Key figures
Market cap 7.3T IDR (≈ $409M) · P/S ratio 7.35 · EPS (TTM) −1.30 IDR · Net margin 0.9% · Return on equity −2.9% · Return on assets (EBIT) −4.6% · Operating margin 12.0% · Revenue growth (YoY) +64.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 59% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −87%, BBKP screens richer than that median.
Fair Value models
Bear 3.71 IDRFair Value 4.94 IDRBull 6.18 IDR
Price 39.00 IDR · Upside -87.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.32/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+28.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.1%
Start year 2020 (pandemic). Over 10 years: −2.7% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.0%
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What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−51.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−51.5%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−51.5% vs −39.4%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−66% → 2%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 26.2%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Banks - Regional · 1052 stocks
Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score48 · Below median
Fair Value upside−87.3% · Bottom 25%
Profitability
Return on assets−0.3% · Bottom 25%
Net margin (TTM)−30.6% · Bottom 25%
Operating margin (TTM)12.0% · Bottom 25%
Growth and dividend
Revenue growth64.1% · Top 25%
Balance sheet
Debt / equity2.05× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
EV/EBITDA28.8× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)100· sector 49
PAST (return on equity)0· sector 41
HEALTH (low debt)0· sector 84
DIVIDEND (yield)0· sector 52
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Bank Bukopin Tbk (BBKP) overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of 4.94 IDR versus a price of 39.00 IDR, about −87% upside (overvalued).
What is the fair value of BBKP?
Our model-based fair value for Bank Bukopin Tbk is 4.94 IDR (as of Oct 4, 2026), built from audited fundamentals. The current price: 39.00 IDR.
What is the quality score of BBKP?
Bank Bukopin Tbk has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Bukopin Tbk (BBKP)?
Our model-based price target is the fair value of 4.94 IDR (as of Oct 4, 2026) from 4 valuation models. Cautious scenario 3.71 IDR, optimistic scenario 6.18 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Bukopin Tbk stock forecast for 2026?
Our models put fair value at 4.94 IDR, about −87% upside versus a price of 39.00 IDR (overvalued). Cautious scenario 3.71 IDR, optimistic scenario 6.18 IDR. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Bank Bukopin Tbk (BBKP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Bukopin Tbk it is 4.94 IDR per share (as of Oct 4, 2026), against a price of 39.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Bukopin Tbk stock overvalued or undervalued in 2026?
As of Oct 4, 2026, BBKP trades above its calculated fair value: price 39.00 IDR, fair value 4.94 IDR, a gap of about −87% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BBKP?
No. The price is what the market pays today (39.00 IDR); the fair value is what the company's own numbers justify (4.94 IDR). For Bank Bukopin Tbk the two are 34.06 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Bukopin Tbk worth?
The market values Bank Bukopin Tbk at about 7.3T IDR (market capitalisation, as of Oct 4, 2026). Per share that is 39.00 IDR; our models calculate a fair value of 4.94 IDR per share.
What do the bullish and bearish scenarios say about BBKP?
Our models span a range for Bank Bukopin Tbk: cautious scenario 3.71 IDR, base 4.94 IDR, optimistic 6.18 IDR per share (as of Oct 4, 2026, price 39.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Bank Bukopin Tbk (BBKP)?
Balance-sheet figures for Bank Bukopin Tbk (as of Oct 4, 2026): return on equity −2.9%, debt of 2.05 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is BBKP from its 52-week high?
Bank Bukopin Tbk trades at 39.00 IDR, about 59% below its 52-week high of 94.00 IDR and at the low of 39.00 IDR (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 4.94 IDR is for.
Which stocks are comparable to Bank Bukopin Tbk?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Bukopin Tbk stock attractive at the current price?
The data as of Oct 4, 2026: price 39.00 IDR, calculated fair value 4.94 IDR (−87%), Quality Score 48/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BBKP calculated?
We run Bank Bukopin Tbk through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 4.94 IDR, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. Bank Bukopin Tbk itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Bukopin Tbk (BBKP)?
The closing price on Oct 2, 2026 was 39.00 IDR. Our model-based fair value is 4.94 IDR, about −87% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Bukopin Tbk right now?
The price sits above even our optimistic bull case (6.18 IDR). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (48/100) 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.
Key figures of Bank Bukopin Tbk
How large is the market capitalisation of Bank Bukopin Tbk (BBKP)?
The market capitalisation of Bank Bukopin Tbk is 7.3T IDR (≈ $409M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Bukopin Tbk (BBKP)?
The price-to-sales ratio of Bank Bukopin Tbk is 7.35 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Bukopin Tbk (BBKP)?
Earnings per share at Bank Bukopin Tbk are −1.30 IDR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Bukopin Tbk (BBKP)?
The net margin of Bank Bukopin Tbk is 0.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Bukopin Tbk (BBKP)?
The return on equity (ROE) of Bank Bukopin Tbk is −2.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Bukopin Tbk (BBKP)?
On an EBIT basis the return on assets of Bank Bukopin Tbk is −4.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Bukopin Tbk (BBKP)?
The operating margin of Bank Bukopin Tbk is 12.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Bukopin Tbk (BBKP)?
Revenue at Bank Bukopin Tbk is growing +64.1% versus a year earlier (3y avg +18.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Bukopin Tbk (BBKP)?
Earnings per share at Bank Bukopin Tbk are growing −78.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Bukopin Tbk (BBKP) generate?
The free cash flow of Bank Bukopin Tbk is −1.5T IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank Bukopin Tbk (BBKP) carry?
The net debt of Bank Bukopin Tbk is 17.6T IDR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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