PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) Fair Value & Analysis
Financial Services · ID · Market cap 447T IDR
Fair value as of: Jul 19, 2026
From 24 valuation models · updated 19 days ago
Share price +6.3% over the past month.
A solid business, screening 61% undervalued on our models.
What matters now
- The price is below even our cautious bear case (3,668 IDR). The market is more pessimistic than our downside scenario.
- Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
- 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 19, 2026.
How to read this chart
60‑month range 2,394 IDR – 5,213 IDR · fair‑value band 3,668 IDR – 6,114 IDR · the 3,040 IDR price screens below the 4,891 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.
Analysis
PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) currently trades at 3,040 IDR, while our model-based Fair Value estimate is 4,891 IDR, implying the stock looks roughly 60.9% undervalued today. We read business quality at 60/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, PT Bank Rakyat Indonesia (Persero) Tbk generated revenue of 145T IDR at a net margin of 40.2%. Revenue grew 16.3% year over year. It earns a return on equity of 18.1%. Net debt stands at 144T IDR. Fundamentals as of Jul 19, 2026
Our scenario range runs from 3,668 IDR (bear case) to 6,114 IDR (bull case); at 3,040 IDR, the current price sits below 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 21% below its 52-week high and 17% 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 61%, BBRI screens cheaper 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.
All 24 models by family
Widest divergence: DCF Models (11,019 IDR) versus Asset-Based (1,442 IDR). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 58 · Market factors (momentum, volatility) 44
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
PT Bank Rakyat Indonesia (Persero) Tbk provides various banking products and services in Indonesia and internationally. The company offers savings and current accounts; time, foreign currency time, and on-call deposits; mortgage, working capital, investment, franchise, and cash collateral loans, as well as supply and value chain financing and bank …
Full company description
PT Bank Rakyat Indonesia (Persero) Tbk provides various banking products and services in Indonesia and internationally. The company offers savings and current accounts; time, foreign currency time, and on-call deposits; mortgage, working capital, investment, franchise, and cash collateral loans, as well as supply and value chain financing and bank guarantees; and microphone, small and medium, and program loans. It also provides bill payment, deposit, online transaction, remittance, money transfer, business, financial, institutional, treasury and global, custodian, trustee, and cash management services. In addition, the company offers investment products and services; trade finance and services, and transaction banking services, including import and export, standby L/C, money changer, BRI RTE online system services, as well as letters of credit; credit cards; and wealth management, merchant, and digital banking services. Further, it provides life and general insurance, securities underwriting and brokerage, and venture capital services. PT Bank Rakyat Indonesia (Persero) Tbk was founded in 1895 and is headquartered in Jakarta, Indonesia. PT Bank Rakyat Indonesia (Persero) Tbk operates as a subsidiary of PT Danantara Asset Management (Persero).
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Bank Rakyat Indonesia (Persero) Tbk reported revenue of 310T IDR in FY2025 versus 176T IDR in FY2021, a compound +15.2%/yr. Reported net income was 56.7T IDR in FY2025, compounding +14.1%/yr from FY2021.
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Peer Group
Banks - Regional · 1082 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.
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.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
| Woori Financial Group 316140 | 31,500 KRW | 55,811 KRW | +77% |
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Frequently asked questions
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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.
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