PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) Fair Value & Analysis

Financial Services · US · Market cap $25.8B

A solid business, screening 88% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($12.25). The market is more pessimistic than our downside scenario.
• Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality.
• 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 (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.

How to read this chart

60‑month range $7.20 – $16.33 · fair‑value band $12.25 – $20.43 · the $8.69 price screens below the $16.34 fair value. Dashed = 300-day average. As of Jul 25, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) currently trades at $8.69, while our model-based Fair Value estimate is $16.34, implying the stock looks roughly 88.0% undervalued today. The Quality Score stands at 53/100 (solid 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.

Over the trailing twelve months, PT Bank Rakyat Indonesia (Persero) Tbk generated revenue of $136T at a net margin of 40.2%. Revenue grew 16.3% year over year. It earns a return on equity of 18.1%. Net debt stands at $144T. Fundamentals as of Jul 25, 2026

Our scenario range runs from $12.25 (bear case) to $20.43 (bull case); at $8.69, the current price sits below 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 about 30% below its 52-week high and 23% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 88%, BKRKY screens cheaper 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.

Widest divergence: Economic Profit ($166,019) versus Asset-Based ($72,264). Highest evidence: P/E Multiple (63).

Key figures & financial health

Quality Score breakdown

About the company

PT Bank Rakyat Indonesia (Persero) Tbk provides various banking products and services in Indonesia and internationally. The company offers savings and current accounts; time, foreign currency time, and on-call deposits; mortgage, working capital, investment, franchise, and cash collateral loans, as well as supply and value chain financing and bank …

Full company description

PT Bank Rakyat Indonesia (Persero) Tbk provides various banking products and services in Indonesia and internationally. The company offers savings and current accounts; time, foreign currency time, and on-call deposits; mortgage, working capital, investment, franchise, and cash collateral loans, as well as supply and value chain financing and bank guarantees; and microphone, small and medium, and program loans. It also provides bill payment, deposit, online transaction, remittance, money transfer, business, financial, institutional, treasury and global, custodian, trustee, and cash management services. In addition, the company offers investment products and services; trade finance and services, and transaction banking services, including import and export, standby L/C, money changer, BRI RTE online system services, as well as letters of credit; credit cards; and wealth management, merchant, and digital banking services. Further, it provides life and general insurance, securities underwriting and brokerage, and venture capital services. PT Bank Rakyat Indonesia (Persero) Tbk was founded in 1895 and is headquartered in Jakarta, Indonesia. PT Bank Rakyat Indonesia (Persero) Tbk operates as a subsidiary of PT Danantara Asset Management (Persero).

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

PT Bank Rakyat Indonesia (Persero) Tbk reported revenue of $313T in FY2025 versus $176T in FY2021, a compound +15.5%/yr. Reported net income was $57.1T in FY2025, compounding +16.5%/yr from FY2021.

Watch BKRKY: get an alert when its fair value changes →

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.

Insider activity: 40/100

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 25, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

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.