PT Krom Bank Indonesia Tbk (BBSI) Fair Value & Analysis
Financial Services · ID · Market cap 14.3T IDR
Fair value as of: Jun 26, 2026
From 24 valuation models · updated 3 days ago
Share price +7.5% over the past month.
Price vs Fair Value (12 months)
12‑month range 3,736 IDR – 5,121 IDR · fair‑value band 380.17 IDR – 633.62 IDR · the 4,770 IDR price screens above the 506.90 IDR fair value. As of Jun 26, 2026.
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PT Krom Bank Indonesia Tbk (BBSI) currently trades at 4,770 IDR, while our model-based Fair Value estimate is 506.90 IDR — implying the stock looks roughly 89.4% 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).
Over the trailing twelve months, PT Krom Bank Indonesia Tbk generated revenue of 572B IDR at a net margin of 31.2%. Revenue grew 65.0% year over year. It earns a return on equity of 5.2%. The balance sheet holds a net cash position of 502B IDR. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
PT Krom Bank Indonesia Tbk provides banking products and services in Indonesia. The company offers saving, time and demand deposits, certificates of deposit, and current accounts; and various loan products. The company was formerly known as PT Bank Bisnis Internasional Tbk and changed its name to PT Krom Bank Indonesia Tbk in September 2022. PT Krom Bank Indonesia Tbk was founded in 1957 and is based in Jakarta Pusat, Indonesia. PT Krom Bank Indonesia Tbk operates as a subsidiary of PT FinAccel Teknologi Indonesia.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Krom Bank Indonesia Tbk reported revenue of 2.3T IDR in FY2025 versus 128B IDR in FY2021, a compound +106.3%/yr. Reported net income was 143B IDR in FY2025, compounding +21.5%/yr from FY2021.
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Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹747.05 | ₹894.11 | +20% |
| ICICI Bank Limited ICICIBANK | ₹1,293 | ₹919.10 | -29% |
| PT Bank Central Asia Tbk BBCA | 6,225 IDR | 6,617 IDR | +6% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,880 IDR | 5,760 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| KB Financial Group 105560 | 154,000 KRW | 172,992 KRW | +12% |
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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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.