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PT Bank Victoria International Tbk (BVIC) Fair Value & Analysis

Financial Services · ID · Market cap 1.3T IDR

Price86.00 IDR
Fair Value92.98 IDR
Upside+8.1%
Quality95/100
Evidence: High Range 69.74 IDR – 116.23 IDR

Fair value as of: Jun 26, 2026

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Analysis

PT Bank Victoria International Tbk (BVIC) currently trades at 86.00 IDR, while our model-based Fair Value estimate is 92.98 IDR — implying the stock looks roughly 8.1% undervalued today. We read business quality at 95/100 (high 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.

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. 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.

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Frequently asked questions

Is PT Bank Victoria International Tbk (BVIC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 92.98 IDR versus a price of 86.00 IDR — about +8% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BVIC?
Our 21-model fair value for PT Bank Victoria International Tbk is 92.98 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 86.00 IDR.
What is the quality score of BVIC?
PT Bank Victoria International Tbk has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.