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.
- Fair value above price? No
- Good quality? Yes
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Bank BRISyariah Tbk PT
BRIS · JKOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
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
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 31
Revenue & earnings trend
BRIS screens 16% overvalued. Compare with DBS Group →
Compare Bank BRISyariah Tbk PT with another stock
Price, fair value, quality and upside side by side.
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
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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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Frequently asked questions
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Key figures of Bank BRISyariah Tbk PT
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