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PT Bank Neo Commerce Tbk (BBYB) Fair Value & Analysis

Financial Services · ID · Market cap 2.9T IDR

Price222.00 IDR
Fair Value444.00 IDR
Upside+100.0%
Quality95/100
Evidence: High Range 333.00 IDR – 555.00 IDR

Fair value as of: Jun 26, 2026

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Analysis

PT Bank Neo Commerce Tbk (BBYB) currently trades at 222.00 IDR, while our model-based Fair Value estimate is 444.00 IDR — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high 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.

About the company

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; an…

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Frequently asked questions

Is PT Bank Neo Commerce Tbk (BBYB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 444.00 IDR versus a price of 222.00 IDR — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BBYB?
Our 21-model fair value for PT Bank Neo Commerce Tbk is 444.00 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 222.00 IDR.
What is the quality score of BBYB?
PT Bank Neo Commerce Tbk has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.