Bank Yudha Bhakti Tbk (BBYB) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Bank Yudha Bhakti Tbk IDR 297, price IDR 214, upside +38.6%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Bank Yudha Bhakti Tbk
BBYB · JKUndervaluedThe stock appears undervalued with acceptable quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 156.00 IDR – 2,614 IDR · fair‑value band 265.39 IDR – 418.59 IDR · the 214.00 IDR price screens below the 296.60 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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Company profile
PT Bank Neo Commerce Tbk provides digital banking products and services in Indonesia.
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PT Bank Neo Commerce Tbk provides digital banking products and services in Indonesia. The company offers individual banking services, including personal and business accounts; regular, NOW, Neo wish, and Neo business savings; WOW and FLEXI time deposits; Neo and micro business loans; transaction services, such as transfer, hematpay, QRIS, virtual accounts, bills and top up, and cardless cash withdrawal services; Neo membership; and gamified experience comprising Neo world, SocialFi, and Neo journal. It also provides wealth management services that consist of mutual funds that include money market, fixed income, balanced, and equity funds; bancassurance products, such as health, life, and general insurance; gold investments; and other branch offerings. In addition, the company offers deposits, including current accounts and regular time deposit; cash management services comprising payroll services and corporate internet banking; API banking services for enterprises and businesses; and lending products, such as financial institution lending, MSME, and commercial/corporate loans, as well as investment and working capital loans. The company was formerly known as PT Bank Yudha Bhakti Tbk and changed its name to PT Bank Neo Commerce in September 2020. PT Bank Neo Commerce Tbk was founded in 1989 and is headquartered in Jakarta Selatan, Indonesia.
Stock analysis
Bank Yudha Bhakti Tbk (BBYB) currently trades at 214.00 IDR, while our model-based Fair Value estimate is 296.60 IDR, implying the stock looks roughly 27.8% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 443.66 IDR per share, and 3 of the 4 models we run sit above the 214.00 IDR price.
Bear case: the Asset-Based group reads lowest at 212.32 IDR, and 1 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 265.39 IDR (bear) to 418.59 IDR (bull), the price of 214.00 IDR sits below 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 58/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank Yudha Bhakti Tbk reported revenue of 3.3T IDR in FY2025 versus 791B IDR in FY2021, a compound +42.7%/yr. Reported net income was 566B IDR in FY2025.
Key figures
Market cap 2.9T IDR (≈ $160M) · P/E ratio 5.4 · P/S ratio 0.92 · EPS (TTM) 39.92 IDR · Net margin 17.2% · Return on equity 13.5% · Return on assets (EBIT) −2.6% · Operating margin 39.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 64% below its 52-week high and 11% above 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 39%, BBYB screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 24
Revenue & earnings trend
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Compare Bank Yudha Bhakti Tbk with another stock
Price, fair value, quality and upside side by side.
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 · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.48 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.20 | HK$62.32 | +22% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Intesa Sanpaolo S.p.A ISP | €6.72 | €4.04 | −40% |
| Mizuho Financial Group MFG | $10.56 | $6.79 | −36% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| HDFC Bank Limited HDFCBANK | ₹728.90 | ₹406.44 | −44% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Bank Yudha Bhakti Tbk
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