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Bank BRISyariah Tbk PT (BRIS) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank BRISyariah Tbk PT stock IDR 1,336, price IDR 1,150, upside +16.1%, quality 60 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services ID · ISIN ID1000142904

BB Bank BRISyariah Tbk PT logo Thin data Nov 7, 2026

Bank BRISyariah Tbk PT

BRIS · JK
Undervalued, but in a downtrend

The stock costs 14% less than our calculation considers fair.

Fair value 1,336 IDR · Undervalued (14%)
Quality 60/100
Healthy Growth (revenue 5y +18.4 %/yr in IDR)
Highly profitable · 31.5% net margin (TTM)
Ranks above peers (12/13)
Costs just 6.7 times its yearly profit.
Wide moat 70/100 · thin data
Thin data
⚠ Small free float
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

3,079 IDR 1,005 IDR Fair Value 1,336 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range 1,005 IDR – 3,079 IDR · fair‑value band 1,063 IDR – 2,045 IDR · the 1,150 IDR price screens below the 1,336 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

PT Bank Syariah Indonesia Tbk provides various commercial banking products and services for individuals and corporations in Indonesia. It operates through Corporate Banking, Commercial Banking, Institutional Relation, Retail Banking, and Treasury Banking and Head Office segments.

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The company offers savings; financing; investment; trade financing; and cash management services.

It also provides multipurpose, vehicles, pensioners, financing cards, gold installments and pawn gold, and government program financing; debit cards; digital banking; and foreign exchange transactions, money market, fixed income, international banking business, capital market, and supervision of foreign office services.

In addition, the company engages in the management of customer and pension funds.

It serves state institutions, multinational companies, banks and non-bank financial institutions, syndicated financing, public companies and securities companies; regional governments, hospitals, and state and private universities; and micro entrepreneurs.

The company was founded in 1969 and is headquartered in Jakarta Selatan, Indonesia. PT Bank Syariah Indonesia Tbk operates as a subsidiary of PT Bank Mandiri (Persero) Tbk.

Stock analysis

Bank BRISyariah Tbk PT (BRIS) currently trades at 1,150 IDR, while our model-based Fair Value estimate is 1,336 IDR, implying the stock looks roughly 14% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 1,818 IDR per share, and 3 of the 6 models we run sit above the 1,150 IDR price.

Bear case: the Dividend Discount group reads lowest at 325.91 IDR, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 1,063 IDR (bear) to 2,045 IDR (bull), the price of 1,150 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 60/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank BRISyariah Tbk PT reported revenue of 33.9T IDR in FY2025 versus 15.8T IDR in FY2021, a compound +21.0%/yr. Reported net income was 7.6T IDR in FY2025, compounding +25.7%/yr from FY2021.

Key figures

Market cap 53.0T IDR (≈ $2.9B) Mid · P/E ratio 6.7 · P/S ratio 2.10 · EPS (TTM) 170.58 IDR · Net margin 31.5% · Return on equity 16.2% · Return on assets (EBIT) 2.0% (5-year average) · Operating margin 41.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).

What moves the price

The share trades about 53% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 16%, BRIS screens cheaper than that median.

Fair Value models

Bear 1,063 IDR Fair Value 1,336 IDR Bull 2,045 IDR
Price 1,150 IDR · Upside +16.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (145.81 IDR per share) are deliberately not added. 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
Residual Income 1,063 IDR 1,336 IDR 2,045 IDR 75
Gordon GGM 184.59 IDR 343.44 IDR 486.37 IDR 67
DDM Multi-Stage 184.59 IDR 308.37 IDR 365.58 IDR 67
All 6 models by family
Dividend Discount
Gordon GGM 184.59 IDR 343.44 IDR 486.37 IDR 67
DDM Multi-Stage 184.59 IDR 308.37 IDR 365.58 IDR 67
Multiples
P/E Multiple 1,599 IDR 2,133 IDR 2,666 IDR 63
P/B Multiple 1,127 IDR 1,503 IDR 1,879 IDR 55
Asset-Based
NCAV (Graham) 536.72 IDR 719.20 IDR 1,073 IDR 54
Economic Profit
Residual Income 1,063 IDR 1,336 IDR 2,045 IDR 75

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Quality Score breakdown

Overall quality 60/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 94
Do the profits arrive as real cash?
Financial strength 47
Debt, balance sheet and risk of trouble
Investment 42
Does it invest with discipline instead of growing at any price?
Low Volatility 68
How calm the share price moves, does not count
Price momentum 2
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 5
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+60.1%
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.
+24.0%
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.
+18.4%
Start year 2020 (pandemic). Over 10 years: +36.3% a year
Revenue growth 17 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.
+29.3%
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.
+25.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.25.7% vs 16.6%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 30%
Pace: the 5-year rate starts in 2020 (pandemic)

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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 · 998 stocks

Beats the industry median on 12/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside +16.1% · Top 25%
Profitability
Return on equity (12 months) 16.2% · Top 25%
Return on assets 1.7% · Top 25%
Net margin (12 months) 31.5% · Above median
Operating margin (12 months) 41.2% · Above median
Growth and dividend
Revenue growth (quarter YoY) 10.9% · Above median
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.00× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 6.7× · Cheapest 25%
P/B 1.02× · Cheaper than median
P/S (12 months) 2.10× · Cheapest 25%
Price / free cash flow (fiscal year) 1.3× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)55 · sector 8
FUTURE (revenue growth)55 · sector 47
PAST (return on equity)65 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

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

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BRIS
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BRIS
BNP Paribas SA BNP €91.93 €106.01 +15% vs BRIS
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BRIS
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BRIS
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BRIS
Mizuho Financial Group MFG $9.40 $5.90 −37% vs BRIS
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BRIS
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BRIS
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BRIS

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Cite: Fair Value Calculator (2026). "Bank BRISyariah Tbk PT Fair Value". https://www.fairvalue-calculator.com/stock/BRIS

Frequently asked questions

Is Bank BRISyariah Tbk PT (BRIS) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 1,336 IDR versus a price of 1,150 IDR, about +16% upside (undervalued).
What is the fair value of BRIS?
Our model-based fair value for Bank BRISyariah Tbk PT is 1,336 IDR (as of Nov 7, 2026), built from audited fundamentals. The current price: 1,150 IDR.
What is the quality score of BRIS?
Bank BRISyariah Tbk PT has a Quality Score of 60/100. 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 Bank BRISyariah Tbk PT (BRIS)?
Our model-based price target is the fair value of 1,336 IDR (as of Nov 7, 2026) from 6 valuation models. Cautious scenario 1,063 IDR, optimistic scenario 2,045 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank BRISyariah Tbk PT stock forecast for 2026?
Our models put fair value at 1,336 IDR, about +16% upside versus a price of 1,150 IDR (undervalued). Cautious scenario 1,063 IDR, optimistic scenario 2,045 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank BRISyariah Tbk PT (BRIS)?
Bank BRISyariah Tbk PT reported trailing-twelve-month revenue of about 25.3T IDR (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Bank BRISyariah Tbk PT (BRIS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank BRISyariah Tbk PT it is 1,336 IDR per share (as of Nov 7, 2026), against a price of 1,150 IDR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank BRISyariah Tbk PT stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BRIS trades below its calculated fair value: price 1,150 IDR, fair value 1,336 IDR, a gap of about +16% (undervalued). 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 BRIS?
No. The price is what the market pays today (1,150 IDR); the fair value is what the company's own numbers justify (1,336 IDR). For Bank BRISyariah Tbk PT the two are 185.72 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank BRISyariah Tbk PT worth?
The market values Bank BRISyariah Tbk PT at about 53.0T IDR (market capitalisation, as of Nov 7, 2026). Per share that is 1,150 IDR; our models calculate a fair value of 1,336 IDR per share.
What do the bullish and bearish scenarios say about BRIS?
Our models span a range for Bank BRISyariah Tbk PT: cautious scenario 1,063 IDR, base 1,336 IDR, optimistic 2,045 IDR per share (as of Nov 7, 2026, price 1,150 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BRIS?
Bank BRISyariah Tbk PT trades at a price-to-earnings ratio of 6.7 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1,336 IDR is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 21.1. Other multiples: P/B 1.0, P/S 2.1.
How solid is the balance sheet of Bank BRISyariah Tbk PT (BRIS)?
Balance-sheet figures for Bank BRISyariah Tbk PT (as of Nov 7, 2026): return on equity 16.2%, debt of 0.00 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is BRIS from its 52-week high?
Bank BRISyariah Tbk PT trades at 1,150 IDR, about 53% below its 52-week high of 2,465 IDR and 14% above the low of 1,005 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1,336 IDR is for.
Which stocks are comparable to Bank BRISyariah Tbk PT?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Bank BRISyariah Tbk PT stock attractive at the current price?
The data as of Nov 7, 2026: price 1,150 IDR, calculated fair value 1,336 IDR (+16%), Quality Score 60/100, from 6 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 BRIS calculated?
We run Bank BRISyariah Tbk PT through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 1,336 IDR builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. Bank BRISyariah Tbk PT currently trades 14% below its own fair value, and the market average says nothing about that. 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 Bank BRISyariah Tbk PT (BRIS)?
The closing price on Nov 6, 2026 was 1,150 IDR. Our model-based fair value is 1,336 IDR, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank BRISyariah Tbk PT right now?
A fairly wide model range (1,063 IDR to 2,045 IDR) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank BRISyariah Tbk PT (BRIS) come from?
Earnings per share at Bank BRISyariah Tbk PT grew +24.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.3 %, EBIT margin +16.1 %, tax rate +0.7 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank BRISyariah Tbk PT

How large is the market capitalisation of Bank BRISyariah Tbk PT (BRIS)?
The market capitalisation of Bank BRISyariah Tbk PT is 53.0T IDR (≈ $2.9B). 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 P/S ratio of Bank BRISyariah Tbk PT (BRIS)?
The price-to-sales ratio of Bank BRISyariah Tbk PT is 2.10 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank BRISyariah Tbk PT (BRIS)?
Earnings per share at Bank BRISyariah Tbk PT are 170.58 IDR (price ÷ EPS = P/E 6.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank BRISyariah Tbk PT (BRIS)?
The net margin of Bank BRISyariah Tbk PT is 31.5% (last twelve months). 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 Bank BRISyariah Tbk PT (BRIS)?
The return on equity (ROE) of Bank BRISyariah Tbk PT is 16.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank BRISyariah Tbk PT (BRIS)?
On an EBIT basis the return on assets of Bank BRISyariah Tbk PT is 2.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank BRISyariah Tbk PT (BRIS)?
The operating margin of Bank BRISyariah Tbk PT is 41.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank BRISyariah Tbk PT (BRIS)?
Revenue at Bank BRISyariah Tbk PT is growing +10.9% versus a year earlier (3y avg +24.0%). 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 Bank BRISyariah Tbk PT (BRIS)?
Earnings per share at Bank BRISyariah Tbk PT are growing +5.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank BRISyariah Tbk PT (BRIS) generate?
The free cash flow of Bank BRISyariah Tbk PT is 42.1T IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank BRISyariah Tbk PT (BRIS) carry?
The net debt of Bank BRISyariah Tbk PT is 17.4T IDR (fiscal year 2025, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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