PT Bank JTrust Indonesia Tbk (BCIC) Fair Value & Analysis
Financial Services · ID · Market cap 1.6T IDR
Fair value as of: Jun 26, 2026
From 1 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from 219.24 IDR to 199.05 IDR (−9.2%) since Jun 25, 2026. Share price +10.3% over the past month.
Price vs Fair Value (12 months)
12‑month range 84.09 IDR – 239.34 IDR · fair‑value band 148.54 IDR – 297.08 IDR · the 138.00 IDR price screens below the 199.05 IDR fair value. As of Jun 26, 2026.
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PT Bank JTrust Indonesia Tbk (BCIC) currently trades at 138.00 IDR, while our model-based Fair Value estimate is 199.05 IDR — implying the stock looks roughly 44.2% 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: low) — always confirm before acting.
Over the trailing twelve months, PT Bank JTrust Indonesia Tbk generated revenue of 803B IDR at a net margin of -53.3%. Revenue declined 18.6% year over year. It earns a return on equity of -11.9%. The balance sheet holds a net cash position of 5.1T 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 Bank JTrust Indonesia Tbk engages in the provision of banking products and services in Indonesia. It operates through Retail Funding, Loan and Export Import, and Treasury segments. The company offers saving, time, and demand deposits; working capital, investment, vehicle, current account, import/export, consumer, and housing loans; and banknotes. It provides business savings products; Giro products; business loan solutions, such as working capital, overdraft, demand, and other credit facilities; employee benefit program; cash management; trade finance solutions; foreign exchange transaction options; and internet banking services. It also offers services, such as safety deposit box and bancassurance; and internet banking services, as well as merchant promotion services. The company was formerly known as PT Bank Century Intervest Corporation. The company was founded in 1989 and is headquartered in Jakarta Pusat, Indonesia. PT Bank JTrust Indonesia Tbk is a subsidiary of J Trust Co.…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Bank JTrust Indonesia Tbk reported revenue of 3.1T IDR in FY2025 versus 1.0T IDR in FY2021, a compound +31.7%/yr. Reported net income was −428B IDR in FY2025.
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| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
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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.