Mnc Kapital Indonesia Tbk (BCAP) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Mnc Kapital Indonesia Tbk stock IDR 38, price IDR 18, upside +111.1%, quality 58 out of 100. Rating: strongly undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
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Mnc Kapital Indonesia Tbk
BCAP · JKThe stock costs 53% less than our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range 18.00 IDR – 324.00 IDR · fair‑value band 12.99 IDR – 52.71 IDR · the 18.00 IDR price screens below the 38.00 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
PT MNC Kapital Indonesia Tbk, through its subsidiaries, engages in the provision of various financial products and services in Indonesia.
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The company offers SME, consumer, and wholesale banking services; credit and debit cards; asset management; investment banking and research services; consumer financing, including automotive vehicles and property refinancing services; and leasing and factoring.
It also provides general insurance products comprising property, automotive, travel insurance, and third-party liability insurance; life insurance products, such as credit life, personal accident, and education insurance; insurance brokerage services, such as consultation and advisory services; vehicle, personal accident, homeowners, travel, gadget, and other individual solutions, satellite, engineering, property, marine cargo, liability, aviation, heavy equipment, and other individual insurance solutions.
In addition, the company offers MotionPay, an e-money, e-wallet, and digital remittance platform; Flash Mobile, which provides bank transfers, virtual accounts, debit and credit cards, retail outlets, installment plans, and e-wallets; MotionBank for biometric onboarding and QRIS payments; and manages equity, fixed income, and money market instruments for individuals and institutional investors.
Further, it provides digital and conventional banking products and services, including savings accounts, loan facilities, treasury, trade finance, and client fund account; asset-based financing, factoring and supply chain financing; Sharia financing; securities brokerage and underwriting; information technology; property leasing; ventura capital; digital asset brokerage; and fund investment.
The company was formerly known as PT Bhakti Capital Indonesia Tbk and changed its name to PT MNC Kapital Indonesia Tbk in November 2012. The company was founded in 1989 and is headquartered in Jakarta, Indonesia. PT MNC Kapital Indonesia Tbk is a subsidiary of PT MNC Asia Holding Tbk.
Stock analysis
Mnc Kapital Indonesia Tbk (BCAP) currently trades at 18.00 IDR, while our model-based Fair Value estimate is 38.00 IDR, implying the stock looks roughly 53% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 286.84 IDR per share, and 11 of the 11 models we run sit above the 18.00 IDR price.
Bear case: the Asset-Based group reads lowest at 62.75 IDR, and 0 of the 11 models stay below the price. Data coverage for this calculation is low.
Scenario range: 12.99 IDR (bear) to 52.71 IDR (bull), the price of 18.00 IDR sits inside 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.
Mnc Kapital Indonesia Tbk reported revenue of 3.7T IDR in FY2025 versus 2.5T IDR in FY2021, a compound +10.3%/yr. Reported net income was 256B IDR in FY2025, compounding +15.8%/yr from FY2021.
Key figures
Market cap 768B IDR (≈ $42.7M) Micro · P/E ratio 2.7 · P/S ratio 0.31 · EPS (TTM) 6.71 IDR · Net margin 11.5% · Return on equity 5.4% · Return on assets (EBIT) 4.7% (5-year average) · Operating margin 16.4%.
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 74% 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 −39% fair-value upside, at 111%, BCAP screens cheaper than that median.
Fair Value models
All 11 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Mnc Kapital Indonesia 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.Financial Conglomerates · 49 stocks
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Debt-to-equity by industry
- Price/FCF by industry
- Stock screener with 62 metrics
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Guosen Securities Co 002736 | ¥9.03 | ¥15.33 | +70% | vs BCAP |
| ORIX Corporation IX | $34.85 | $59.05 | +69% | vs BCAP |
| China Galaxy Securities Co 601881 | ¥11.81 | ¥12.36 | +5% | vs BCAP |
| CNPC Capital Company 000617 | ¥6.49 | ¥6.25 | −4% | vs BCAP |
| Voya Financial, Inc VOYA | $99.01 | $60.87 | −39% | vs BCAP |
| Aditya Birla Capital Limited ABCAPITAL | ₹398.80 | ₹217.72 | −45% | vs BCAP |
| Storebrand ASA STB | kr 200.00 | kr 108.73 | −46% | vs BCAP |
| Bajaj Finserv Ltd BAJAJFINSV | ₹1,865 | ₹796.21 | −57% | vs BCAP |
| Yuanta Financial Holding 2885 | 69.40 TWD | 23.12 TWD | −67% | vs BCAP |
| Freedom Holding FRHC | $178.85 | $23.86 | −87% | vs BCAP |
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Key figures of Mnc Kapital Indonesia Tbk
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