PT Bank Aladin Syariah Tbk (BKALF) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of PT Bank Aladin Syariah Tbk $0.03, price $0.08, upside -58.0%, quality 70 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
42‑month range $0.0453 – $0.1204 · the $0.0780 price screens above the $0.0328 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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.
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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.
Stock analysis
PT Bank Aladin Syariah Tbk (BKALF) currently trades at $0.0780, while our model-based Fair Value estimate is $0.0328, implying the stock looks roughly 137.8% overvalued today.
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Valuation
How firm this estimate is: it rests on 17 models at a data quality of 95/100, which puts the evidence level at low.
Quality & growth
The Quality Score stands at 70/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
PT Bank Aladin Syariah Tbk reported revenue of 791B IDR in FY2025 versus 36.5B IDR in FY2021, a compound +115.8%/yr. Reported net income was 151B IDR in FY2025.
Key figures
Market cap $1.1B · Net margin 19.0% · Return on equity 4.3% · Return on assets 1.1% · Revenue (TTM) 741B IDR · Revenue growth (YoY) −26.8% · EPS growth (YoY) −37.8% · Free cash flow 4.7T IDR.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 20% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −58%, BKALF screens richer than that median.
Fair Value models
Bear $0.0328Fair Value $0.0328Bull $0.0328
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+65.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+126.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+96.3%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+61.5%
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+21.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.1%
Dividend (yield on the price)0.0%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−22.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in IDR, Indonesia: IMF forecast 2.6% a year to 2030, 2.9% from 2016 to 2025) that is about −24.0% a year for the price.
Compare PT Bank Aladin Syariah Tbk with another stock
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score70 · Top 25%
Fair Value upside−58% · Bottom 25%
Profitability
Return on equity (TTM)4% · Bottom 25%
Return on assets1% · Above median
Net margin (TTM)20% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth−27% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/FCF0.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)0· sector 45
PAST (return on equity)17· sector 41
HEALTH (low debt)0· sector 85
DIVIDEND (yield)0· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "PT Bank Aladin Syariah Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BKALF
Frequently asked questions
Is PT Bank Aladin Syariah Tbk (BKALF) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $0.0328 versus a price of $0.0780, about −58% upside (overvalued).
What is the fair value of BKALF?
Our model-based fair value for PT Bank Aladin Syariah Tbk is $0.0328 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.0780.
What is the quality score of BKALF?
PT Bank Aladin Syariah Tbk has a Quality Score of 70/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for PT Bank Aladin Syariah Tbk (BKALF)?
Our model-based price target is the fair value of $0.0328 (as of Sep 23, 2026) from 4 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the PT Bank Aladin Syariah Tbk stock forecast for 2026?
Our models put fair value at $0.0328, about −58% upside versus a price of $0.0780 (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of PT Bank Aladin Syariah Tbk (BKALF)?
PT Bank Aladin Syariah Tbk reported trailing-twelve-month revenue of about 741B IDR (latest available figure, as of Sep 23, 2026).
What growth is priced into PT Bank Aladin Syariah Tbk (BKALF)?
For today's price to be fair in a discounted-cash-flow model, PT Bank Aladin Syariah Tbk would have to grow free cash flow by -22.0 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +96.3 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of BKALF use?
Our models discount PT Bank Aladin Syariah Tbk at 11.2 %: a base by market capitalisation (small), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For PT Bank Aladin Syariah Tbk that is -22.0 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has PT Bank Aladin Syariah Tbk (BKALF) delivered so far?
Over the past 5 years revenue at PT Bank Aladin Syariah Tbk grew +96.3 % a year. The price currently implies -22.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of PT Bank Aladin Syariah Tbk (BKALF) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into PT Bank Aladin Syariah Tbk (-22.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of PT Bank Aladin Syariah Tbk (BKALF)?
The free-cash-flow yield on the price is 24.47 %: that much free cash flow PT Bank Aladin Syariah Tbk produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of PT Bank Aladin Syariah Tbk (BKALF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PT Bank Aladin Syariah Tbk it is $0.0328 per share (as of Sep 23, 2026), against a price of $0.0780. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is PT Bank Aladin Syariah Tbk stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BKALF trades above its calculated fair value: price $0.0780, fair value $0.0328, a gap of about −58% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BKALF?
No. The price is what the market pays today ($0.0780); the fair value is what the company's own numbers justify ($0.0328). For PT Bank Aladin Syariah Tbk the two are $0.0452 per share apart. That gap is exactly why we show both numbers side by side.
How much is PT Bank Aladin Syariah Tbk worth?
The market values PT Bank Aladin Syariah Tbk at about $1.1B (market capitalisation, as of Sep 23, 2026). Per share that is $0.0780; our models calculate a fair value of $0.0328 per share.
How solid is the balance sheet of PT Bank Aladin Syariah Tbk (BKALF)?
Balance-sheet figures for PT Bank Aladin Syariah Tbk (as of Sep 23, 2026): return on equity 4.3%. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is BKALF from its 52-week high?
PT Bank Aladin Syariah Tbk trades at $0.0780, at its 52-week high of $0.0780 and 20% above the low of $0.0649 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0328 is for.
Which stocks are comparable to PT Bank Aladin Syariah Tbk?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is PT Bank Aladin Syariah Tbk stock attractive at the current price?
The data as of Sep 23, 2026: price $0.0780, calculated fair value $0.0328 (−58%), Quality Score 70/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BKALF calculated?
We run PT Bank Aladin Syariah Tbk through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0328, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. PT Bank Aladin Syariah Tbk itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of PT Bank Aladin Syariah Tbk (BKALF)?
The closing price on Sep 18, 2026 was $0.0780. Our model-based fair value is $0.0328, about −58% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PT Bank Aladin Syariah Tbk right 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. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of PT Bank Aladin Syariah Tbk
How large is the market capitalisation of PT Bank Aladin Syariah Tbk (BKALF)?
The market capitalisation of PT Bank Aladin Syariah Tbk is $1.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the net margin of PT Bank Aladin Syariah Tbk (BKALF)?
The net margin of PT Bank Aladin Syariah Tbk is 19.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of PT Bank Aladin Syariah Tbk (BKALF)?
The return on equity (ROE) of PT Bank Aladin Syariah Tbk is 4.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of PT Bank Aladin Syariah Tbk (BKALF)?
The return on assets (ROA) of PT Bank Aladin Syariah Tbk is 1.1% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
How fast is revenue growing at PT Bank Aladin Syariah Tbk (BKALF)?
Revenue at PT Bank Aladin Syariah Tbk is growing −26.8% versus a year earlier (3y avg +127%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at PT Bank Aladin Syariah Tbk (BKALF)?
Earnings per share at PT Bank Aladin Syariah Tbk are growing −37.8% versus a year earlier. How much earnings per share grew versus a year earlier.
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Thin data
Sep 23, 2026