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

As of Sep 23, 2026: fair value of Bank BRISyariah Tbk PT IDR 1,397, price IDR 1,615, upside -13.5%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · ID · ISIN ID1000142904

BB Thin data Sep 24, 2026

Bank BRISyariah Tbk PT

BRIS · JK

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value 1,397 IDR · Overvalued (−13%)
!Quality 58/100
Healthy Growth (revenue 5y +18.4 %/yr)
Highly profitable · 31.9% net margin (TTM)
Low debt · generates free cash flow
Ranks above peers (11/14)
Wide moat 71/100
!Evidence only low, so the estimate is less certain
!The models disagree: range 1,094 IDR to 3,610 IDR
!Weak on valuation: 15 out of 100

What runs behind every stock

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

Price vs Fair Value

3,079 IDR 1,057 IDR Fair Value 1,397 IDR Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range 1,057 IDR – 3,079 IDR · fair‑value band 1,094 IDR – 3,610 IDR · the 1,615 IDR price screens above the 1,397 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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. 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 1,615 IDR, while our model-based Fair Value estimate is 1,397 IDR, implying the stock looks roughly 15.6% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 1,577 IDR per share, and 1 of the 4 models we run sit above the 1,615 IDR price.

Bear case: the Asset-Based group reads lowest at 754.58 IDR, and 3 of the 4 models stay below the price. Evidence for this calculation is low.

Scenario range: 1,094 IDR (bear) to 3,610 IDR (bull), the price of 1,615 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 58/100 (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 88.1T IDR (≈ $8.8B) · P/E ratio 9.8 · P/S ratio 2.20 · EPS (TTM) 163.97 IDR · Net margin 22.3% · Return on equity 16.2% · Return on assets (EBIT) 2.0% · Operating margin 44.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 39% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −13%, BRIS screens cheaper than that median.

Fair Value models

Bear 1,094 IDR Fair Value 1,397 IDR Bull 3,610 IDR
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (125.05 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. 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.
Highest evidence
Residual Income 1,140 IDR 1,522 IDR 4,688 IDR 65
P/E Multiple 1,599 IDR 2,133 IDR 2,666 IDR 63
P/B Multiple 1,183 IDR 1,577 IDR 1,971 IDR 55
All 4 models by family
Multiples
P/E Multiple 1,599 IDR 2,133 IDR 2,666 IDR 63
P/B Multiple 1,183 IDR 1,577 IDR 1,971 IDR 55
Asset-Based
NCAV (Graham) 563.12 IDR 754.58 IDR 1,126 IDR 54
Economic Profit
Residual Income 1,140 IDR 1,522 IDR 4,688 IDR 65

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Quality Score breakdown

Overall quality 58/100

Of which business quality 57 · Market factors (momentum, volatility) 31

Profitability 37
Margins and returns on capital today
Quality Growth 42
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 47
Balance sheet, leverage, solvency risk
Investment 42
Disciplined investing over empire-building
Low Volatility 74
Calm price path (market factor)
Momentum 19
Price trend over the last 3–12 months (market factor)
52W Momentum 2
Distance to the 52-week high (market factor)
Net Issuance 63
Share count: buybacks or dilution?

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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.26% vs 17%, 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%
Start year 2020 (pandemic)

BRIS screens 16% overvalued. Compare with DBS Group →

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Peer GroupHow 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 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside −12% · Above median
Profitability
Return on equity (TTM) 16% · Top 25%
Return on assets 2% · Top 25%
Net margin (TTM) 32% · Above median
Operating margin (TTM) 45% · Above median
Growth and dividend
Revenue growth 18% · Top 25%
Dividend yield (TTM) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.00× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 9.8× · Cheaper than median
P/B 1.70× · Priciest 25%
P/S (TTM) 3.57× · Pricier than median
P/FCF 0.0× · Cheapest 25%
EV/EBITDA 2.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)15 · sector 12
FUTURE (revenue growth)91 · sector 45
PAST (return on equity)65 · sector 41
HEALTH (low debt)100 · sector 85
DIVIDEND (yield)0 · sector 53

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
DBS Group D05 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹636.31 −53%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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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 Sep 24, 2026, our model estimates a fair value of 1,397 IDR versus a price of 1,615 IDR, about −13% upside (overvalued).
What is the fair value of BRIS?
Our model-based fair value for Bank BRISyariah Tbk PT is 1,397 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 1,615 IDR.
What is the quality score of BRIS?
Bank BRISyariah Tbk PT has a Quality Score of 58/100. 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 1,397 IDR (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 1,094 IDR, optimistic scenario 3,610 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 1,397 IDR, about −13% upside versus a price of 1,615 IDR (overvalued). Cautious scenario 1,094 IDR, optimistic scenario 3,610 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 24.7T IDR (latest available figure, as of Sep 24, 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 1,397 IDR per share (as of Sep 24, 2026), against a price of 1,615 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank BRISyariah Tbk PT stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BRIS trades above its calculated fair value: price 1,615 IDR, fair value 1,397 IDR, a gap of about −13% (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 BRIS?
No. The price is what the market pays today (1,615 IDR); the fair value is what the company's own numbers justify (1,397 IDR). For Bank BRISyariah Tbk PT the two are 217.76 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 88.1T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 1,615 IDR; our models calculate a fair value of 1,397 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 1,094 IDR, base 1,397 IDR, optimistic 3,610 IDR per share (as of Sep 24, 2026, price 1,615 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 9.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1,397 IDR is built from several models across several years. Other multiples: P/B 1.7, P/S 3.6, EV/EBITDA 2.1.
How solid is the balance sheet of Bank BRISyariah Tbk PT (BRIS)?
Balance-sheet figures for Bank BRISyariah Tbk PT (as of Sep 24, 2026): return on equity 16.2%, debt of 0.00 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is BRIS from its 52-week high?
Bank BRISyariah Tbk PT trades at 1,615 IDR, about 39% below its 52-week high of 2,642 IDR and 2% above the low of 1,580 IDR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 1,397 IDR is for.
Which stocks are comparable to Bank BRISyariah Tbk PT?
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 Bank BRISyariah Tbk PT stock attractive at the current price?
The data as of Sep 24, 2026: price 1,615 IDR, calculated fair value 1,397 IDR (−13%), Quality Score 58/100, 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 BRIS calculated?
We run Bank BRISyariah Tbk PT 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 1,397 IDR, 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. Bank BRISyariah Tbk PT 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 Bank BRISyariah Tbk PT (BRIS)?
The closing price on Sep 23, 2026 was 1,615 IDR. Our model-based fair value is 1,397 IDR, about −13% upside (overvalued). 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?
The model range is unusually wide (1,094 IDR to 3,610 IDR). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. 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 88.1T IDR (≈ $8.8B). 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 2.20 (P/E × margin). 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 163.97 IDR (price ÷ EPS = P/E 9.8). 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 22.3% (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 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 44.8% (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 +18.2% 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 +17.1% 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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