PT Bank Victoria International Tbk (BVIC) Fair Value & Analysis
Financial Services · ID · Market cap 1.5T IDR
Fair value as of: Jul 16, 2026
From 6 valuation models · updated 25 days ago
Share price +12.3% over the past month.
Below-average quality, and screening another 13% overvalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from 59.28 IDR (bear) to 98.80 IDR (bull), base 79.03 IDR. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 43/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range 64.00 IDR – 308.00 IDR · fair‑value band 59.28 IDR – 98.80 IDR · the 91.00 IDR price screens above the 79.03 IDR fair value. Dashed = 300-day average. As of Jul 16, 2026.
Analysis
PT Bank Victoria International Tbk (BVIC) currently trades at 91.00 IDR, while our model-based Fair Value estimate is 79.03 IDR, implying the stock looks roughly 13.2% overvalued today. The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, PT Bank Victoria International Tbk generated revenue of 787B IDR at a net margin of 16.7%. Revenue declined 1.9% year over year. It earns a return on equity of 3.2%. Net debt stands at 5.9T IDR. Fundamentals as of Jul 16, 2026
Our scenario range runs from 59.28 IDR (bear case) to 98.80 IDR (bull case); at 91.00 IDR, the current price sits within 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 51% below its 52-week high and 30% 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 -13%, BVIC screens richer 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.
All 6 models by family
Widest divergence: Economic Profit (170.03 IDR) versus Dividend Discount (32.69 IDR). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 41 · Market factors (momentum, volatility) 29
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
PT Bank Victoria International Tbk provides banking products and services in Indonesia. The company offers various savings accounts; foreign exchange, rupiah, and online deposits; time deposits; bancassurance products and mutual funds; and investment products.
Full company description
PT Bank Victoria International Tbk provides banking products and services in Indonesia. The company offers various savings accounts; foreign exchange, rupiah, and online deposits; time deposits; bancassurance products and mutual funds; and investment products. It also provides loan products, such as home and car ownership loan, multi-purpose credit, and implant banking credit; corporate and commercial lending, small medium enterprise lending, and multi finance lending services; working capital loans; investment credit; bank guarantees; and domestic documentary letter of credit. In addition, the company offers internet and mobile banking services; Sharia banking services; and banknotes and foreign currency transactions. PT Bank Victoria International Tbk was incorporated in 1992 and is headquartered in Jakarta Selatan, Indonesia. PT Bank Victoria International Tbk is a subsidiary of PT Victoria Investama Tbk.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Bank Victoria International Tbk reported revenue of 2.6T IDR in FY2025 versus 1.7T IDR in FY2021, a compound +10.4%/yr. Reported net income was 132B IDR in FY2025.
of which total revenue −0.5 pp · buybacks/dilution −8.1 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
BVIC screens 13% overvalued. Compare with KB Financial Group →
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.
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 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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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.
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