PT Bank Aladin Syariah Tbk (BKALF) Fair Value & Analysis
Financial Services · US · Market cap $1.2B
PT Bank Aladin Syariah Tbk
BKALF · US
Fair value as of: Jul 31, 2026
From 4 valuation models · updated 10 days ago
A solid business, but screening 68% overvalued on our models.
What matters now
- A high-quality business (quality 70/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
- The price sits above even our optimistic bull case ($0.0328). The favourable scenario is already priced in.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (3 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 31, 2026.
How to read this chart
40‑month range $0.0453 – $0.1204 · fair‑value band $0.0250 – $0.0328 · the $0.0780 price screens above the $0.0250 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 31, 2026.
Analysis
PT Bank Aladin Syariah Tbk (BKALF) currently trades at $0.0780, while our model-based Fair Value estimate is $0.0250, implying the stock looks roughly 68.0% overvalued today. The Quality Score stands at 70/100 (solid 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 Bank Aladin Syariah Tbk generated revenue of $741B at a net margin of 19.9%. Revenue declined 26.8% year over year. It earns a return on equity of 4.3%. Fundamentals as of Jul 31, 2026
Our scenario range runs from $0.0250 (bear case) to $0.0328 (bull case); at $0.0780, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 46% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -68%, BKALF screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit ($154.81) versus Multiples ($132.44). Highest evidence: P/E Multiple (63).
Key figures & financial health
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 71 · Market factors (momentum, volatility) 77
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
PT Bank Aladin Syariah Tbk provides banking products and services to individual and business customers in Indonesia. It offers savings products, current accounts, and certificates; funding and financing products; and other banking services, including fund transfers, payments, purchases, e-wallet, cash withdrawals and deposits, and others.
Full company description
PT Bank Aladin Syariah Tbk provides banking products and services to individual and business customers in Indonesia. It offers savings products, current accounts, and certificates; funding and financing products; and other banking services, including fund transfers, payments, purchases, e-wallet, cash withdrawals and deposits, and others. The company was founded in 1994 and is headquartered in Jakarta Selatan, Indonesia. PT Bank Aladin Syariah Tbk is a subsidiary of PT Aladin Global Ventures.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Bank Aladin Syariah Tbk reported revenue of $791B in FY2025 versus $36.5B in FY2021, a compound +115.8%/yr. Reported net income was $151B in FY2025.
BKALF screens 68% overvalued. Compare with KB Financial Group →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
Compare PT Bank Aladin Syariah Tbk with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is PT Bank Aladin Syariah Tbk (BKALF) overvalued or undervalued?
What is the fair value of BKALF?
What is the quality score of BKALF?
What is the revenue of PT Bank Aladin Syariah Tbk (BKALF)?
What is the net profit margin of BKALF?
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.
Track PT Bank Aladin Syariah Tbk and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.