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PT Bank Central Asia Tbk (PBCRF) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of PT Bank Central Asia Tbk $0.26, price $0.35, upside -25.5%, quality 63 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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Financial Services · US · ISIN ID1000109507

Thin data Oct 3, 2026

PT Bank Central Asia Tbk

PBCRF · US

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

!Fair value $0.2600 · Overvalued (−25.5%)

✓Quality 63/100

✓Healthy Growth (revenue 5y +7.7 %/yr)

✓Highly profitable · 53.5% net margin (TTM)

✓Low debt · generates free cash flow

✓Wide moat 75/100

!Evidence only low, so the estimate is less certain

26 models, one by oneBear $0.1600 to bull $0.3250 Growth analysisrevenue history, year by year Quality 63/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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 Oct 3, 2026.

How to read this chart

60‑month range $0.0002 – $2.22 · fair‑value band $0.1600 – $0.3250 · the $0.3490 price screens above the $0.2600 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

PT Bank Central Asia Tbk provides commercial banking and other financial services.

PT Bank Central Asia Tbk provides commercial banking and other financial services. The company offers time deposits, e- deposits, spinning, Dana Lander accounts, customer accounts, gold stage; loans, such as business, investment credit, securities collateral, multipurpose business, trade finance, business place loans; credit cards; and investment, including mutual funds, and bond and secondary SBN. The company also provides collection account opening, remittance, trade finance, tresuries and custodians, transaction banking, electronic banking, cash management, bank assurance, credit facilities, bank guarantees, export-import facilities, and foreign exchange facilities. In addition, the company offers investment financing, working capital financing, multipurpose financing, operating leases, and other financing activities; Sharia banking; securities brokerage dealer and underwriter for issuance of securities; general or loss insurance; life insurance; and venture capital services. PT Bank Central Asia Tbk was founded in 1955 and is headquartered in Jakarta, Indonesia. PT Bank Central Asia Tbk is a subsidiary of PT Dwimuria Investama Andalan.

Stock analysis

PT Bank Central Asia Tbk (PBCRF) currently trades at $0.3490, while our model-based Fair Value estimate is $0.2600, 25.5% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Dividend Discount group reads highest at a median of $0.2800 per share, and 0 of the 6 models we run sit above the $0.3490 price.

Bear case: the Asset-Based group reads lowest at $0.0900, and 6 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.1600 (bear) to $0.3250 (bull), the price of $0.3490 sits above 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 63/100 (solid quality), in the Financial Services sector.

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

PT Bank Central Asia Tbk reported revenue of 125T IDR in FY2025 versus 87.7T IDR in FY2021, a compound +9.2%/yr. Reported net income was 57.7T IDR in FY2025, compounding +16.4%/yr from FY2021.

Key figures

Market cap $43.0B · P/E ratio 11.6 · P/S ratio 5.38 · EPS (TTM) $0.0300 · Net margin 46.2% · Return on equity 23.0% · Return on assets (EBIT) 4.1% · Revenue (TTM) 110T IDR.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (medium confidence).

What moves the price

The share trades about 32% 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 −36% fair-value upside, at −26%, PBCRF screens cheaper than that median.

Fair Value models

Bear $0.1600 Fair Value $0.2600 Bull $0.3250

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 ($0.0227 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. 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 $0.1700 $0.2000 $0.3200 74

DDM Multi-Stage $0.1600 $0.2800 $0.3400 67

Gordon GGM $0.1600 $0.3300 $0.5200 66

All 6 models by family

Dividend Discount

Gordon GGM $0.1600 $0.3300 $0.5200 66

DDM Multi-Stage $0.1600 $0.2800 $0.3400 67

Multiples

P/E Multiple $0.2600 $0.3400 $0.4300 63

P/B Multiple $0.1300 $0.1800 $0.2200 55

Asset-Based

NCAV (Graham) $0.0600 $0.0900 $0.1300 53

Economic Profit

Residual Income $0.1700 $0.2000 $0.3200 74

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Quality Score breakdown

Overall quality 63/100

Of which business quality 55 · Market factors (momentum, volatility) 26

Profitability 45

Margins and returns on capital today

Quality Growth 33

Are margins and returns improving?

Cashflow 89

Earnings quality: real cash, not paper profit

Fin. Strength 19

Balance sheet, leverage, solvency risk

Investment 75

Disciplined investing over empire-building

Low Volatility 50

Calm price path (market factor)

Momentum 20

Price trend over the last 3–12 months (market factor)

52W Momentum 10

Distance to the 52-week high (market factor)

Net Issuance 82

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. 85/100

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

Revenue growth 1 year

+12.9%

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.

+9.3%

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.

+7.7%

Start year 2020 (pandemic). Over 10 years: +7.8% a year

Revenue growth 19 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.

+13.3%

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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.

+15.1%

Earnings growth per share plus dividend.

Earnings per share, growth per year+15.1%

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.15.1% vs 12.3%, steady

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.39% → 57%

Start year 2020 (pandemic)

Growth Forecast

Little optimism in the price

The price assumes less growth than the company has delivered so far and less than analysts expect.

What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).

−1.5%

Yearly growth needed for the next five years to justify today's price.

What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.

+4.7%

Yearly sales growth analysts expect, extended to five years.

After inflation (figures in IDR, Indonesia: IMF forecast 2.6% a year to 2030, 2.9% from 2016 to 2025) that is about −4.0% a year for the price and +2.0% for the forecasts.

Forecast 2026 (sales)−5.1%

Forecast 2027 (sales)+8.5%

Projected 2028 (sales)+7.7%

Projected 2029 (sales)+6.9%

Projected 2030 (sales)+6.1%

PBCRF screens overvalued: fair value 26% below the price. Compare with DBS Group →

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Price, fair value, quality and upside side by side.

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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 · 1053 stocks

Beats the industry median on 8/14 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 60 · Top 25%

Fair Value upside +48.3% · Top 25%

Profitability

Return on equity (TTM) 23.0% · Top 25%

Return on assets 3.7% · Top 25%

Net margin (TTM) 53.5% · Top 25%

Operating margin (TTM) 0.0% · Bottom 25%

Growth and dividend

Revenue growth 2.5% · Below median

Balance sheet

Debt / equity 0.04× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 11.6× · Pricier than median

P/B 1.54× · Priciest 25%

P/S (TTM) 3.93× · Pricier than median

P/FCF 0.0× · Cheapest 25%

EV/EBITDA 4.8× · Cheapest 25%

PEG 2.03× · Pricier than median

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	78.00 SGD	40.39 SGD	−48%
China Merchants Bank Co 600036	¥40.69	¥52.73	+30%
UniCredit S.p.A UCG	€79.53	€77.12	−3%
Mizuho Financial Group MFG	$11.05	$6.82	−38%
Intesa Sanpaolo S.p.A ISP	€6.38	€4.06	−36%
BNP Paribas SA BNP	€91.54	€105.99	+16%
HDFC Bank Limited HDFCBANK	₹721.20	₹406.44	−44%
Oversea-Chinese Banking Corporation O39	32.01 SGD	19.78 SGD	−38%
Al Rajhi Banking and Investment Corporation 1120	63.15 SAR	36.95 SAR	−41%
CaixaBank, S.A CABK	€12.03	€8.46	−30%

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PT Bank Central Asia Tbk · Fair Value
$0.2600 −26%Fair Value
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<a href="https://www.fairvalue-calculator.com/stock/PBCRF" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">PT Bank Central Asia Tbk · Fair Value</span><br><b style="font-size:20px">$0.2600</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−26%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

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

Frequently asked questions

Is PT Bank Central Asia Tbk (PBCRF) overvalued or undervalued?

As of Oct 3, 2026, our model estimates a fair value of $0.2600 versus a price of $0.3490, about −26% upside (overvalued).

What is the fair value of PBCRF?

Our model-based fair value for PT Bank Central Asia Tbk is $0.2600 (as of Oct 3, 2026), built from audited fundamentals. The current price: $0.3490.

What is the quality score of PBCRF?

PT Bank Central Asia Tbk has a Quality Score of 63/100. 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 PT Bank Central Asia Tbk (PBCRF)?

Our model-based price target is the fair value of $0.2600 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario $0.1600, optimistic scenario $0.3250. It is a calculation from audited fundamentals, not an analyst target.

What is the PT Bank Central Asia Tbk stock forecast for 2026?

Our models put fair value at $0.2600, about −26% upside versus a price of $0.3490 (overvalued). Cautious scenario $0.1600, optimistic scenario $0.3250. The calculation is refreshed regularly with new filings.

What is the revenue of PT Bank Central Asia Tbk (PBCRF)?

PT Bank Central Asia Tbk reported trailing-twelve-month revenue of about 110T IDR (latest available figure, as of Oct 3, 2026).

What growth is priced into PT Bank Central Asia Tbk (PBCRF)?

For today's price to be fair in a discounted-cash-flow model, PT Bank Central Asia Tbk would have to grow free cash flow by -1.5 % per year for five years (discount rate 9.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.7 % per year. As of Oct 3, 2026.

What discount rate (WACC) does the fair value of PBCRF use?

Our models discount PT Bank Central Asia Tbk at 9.2 %: a base by market capitalisation (large), country premium for USA. The same rate applies in all 26 models.

What is a reverse DCF?

A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For PT Bank Central Asia Tbk that is -1.5 % per year a year over ten years, using the same discount rate (9.2 %) and the same formula as our fair value.

How much growth has PT Bank Central Asia Tbk (PBCRF) delivered so far?

Over the past 5 years revenue at PT Bank Central Asia Tbk grew +7.7 % a year. The price currently implies -1.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.

How fast is the sector of PT Bank Central Asia Tbk (PBCRF) growing?

The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into PT Bank Central Asia Tbk (-1.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.

What is the free cash flow yield of PT Bank Central Asia Tbk (PBCRF)?

The free-cash-flow yield on the price is 7.74 %: that much free cash flow PT Bank Central Asia Tbk produces per unit of market value. When it exceeds the discount rate of our models (9.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.

What is the intrinsic value of PT Bank Central Asia Tbk (PBCRF)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PT Bank Central Asia Tbk it is $0.2600 per share (as of Oct 3, 2026), against a price of $0.3490. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).

Is PT Bank Central Asia Tbk stock overvalued or undervalued in 2026?

As of Oct 3, 2026, PBCRF trades above its calculated fair value: price $0.3490, fair value $0.2600, a gap of about −26% (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 PBCRF?

No. The price is what the market pays today ($0.3490); the fair value is what the company's own numbers justify ($0.2600). For PT Bank Central Asia Tbk the two are $0.0890 per share apart. That gap is exactly why we show both numbers side by side.

How much is PT Bank Central Asia Tbk worth?

The market values PT Bank Central Asia Tbk at about $43.0B (market capitalisation, as of Oct 3, 2026). Per share that is $0.3490; our models calculate a fair value of $0.2600 per share.

What do the bullish and bearish scenarios say about PBCRF?

Our models span a range for PT Bank Central Asia Tbk: cautious scenario $0.1600, base $0.2600, optimistic $0.3250 per share (as of Oct 3, 2026, price $0.3490). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of PBCRF?

PT Bank Central Asia Tbk trades at a price-to-earnings ratio of 11.6 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.2600 is built from several models across several years. Other multiples: PEG 2.0, P/B 1.5, P/S 3.9, EV/EBITDA 4.8.

What is the PEG ratio of PBCRF?

The PEG ratio of PT Bank Central Asia Tbk is 2.03 (P/E divided by earnings growth, as of Oct 3, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of PT Bank Central Asia Tbk (PBCRF)?

Balance-sheet figures for PT Bank Central Asia Tbk (as of Oct 3, 2026): return on equity 23.0%, debt of 0.04 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.

How far is PBCRF from its 52-week high?

PT Bank Central Asia Tbk trades at $0.3490, about 32% below its 52-week high of $0.5157 and 30% above the low of $0.2689 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $0.2600 is for.

Which stocks are comparable to PT Bank Central Asia Tbk?

From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, 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 PT Bank Central Asia Tbk stock attractive at the current price?

The data as of Oct 3, 2026: price $0.3490, calculated fair value $0.2600 (−26%), Quality Score 63/100, 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 PBCRF calculated?

We run PT Bank Central Asia Tbk through 6 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 $0.2600, 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 14.5 % above its aggregate fair value. PT Bank Central Asia Tbk 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 PT Bank Central Asia Tbk (PBCRF)?

The closing price on Oct 2, 2026 was $0.3490. Our model-based fair value is $0.2600, about −26% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with PT Bank Central Asia Tbk right now?

The price sits above even our optimistic bull case ($0.3250). The favourable scenario is already priced in. Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($0.1600 to $0.3250) 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.

Where does the earnings growth of PT Bank Central Asia Tbk (PBCRF) come from?

Earnings per share at PT Bank Central Asia Tbk grew +12.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.8 %, EBIT margin +4.5 %, tax rate +0.1 %, residual (interest, one-offs) −0.1 %. 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 PT Bank Central Asia Tbk

How large is the market capitalisation of PT Bank Central Asia Tbk (PBCRF)?

The market capitalisation of PT Bank Central Asia Tbk is $43.0B. 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 PT Bank Central Asia Tbk (PBCRF)?

The price-to-sales ratio of PT Bank Central Asia Tbk is 5.38 (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 PT Bank Central Asia Tbk (PBCRF)?

Earnings per share at PT Bank Central Asia Tbk are $0.0300 (price ÷ EPS = P/E 11.6). Earnings per share over the last twelve months: total profit spread across every single share.

What is the net margin of PT Bank Central Asia Tbk (PBCRF)?

The net margin of PT Bank Central Asia Tbk is 46.2% (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 PT Bank Central Asia Tbk (PBCRF)?

The return on equity (ROE) of PT Bank Central Asia Tbk is 23.0% (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 PT Bank Central Asia Tbk (PBCRF)?

On an EBIT basis the return on assets of PT Bank Central Asia Tbk is 4.1% (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.

How fast is revenue growing at PT Bank Central Asia Tbk (PBCRF)?

Revenue at PT Bank Central Asia Tbk is growing +2.5% versus a year earlier (3y avg +9.3%). 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 PT Bank Central Asia Tbk (PBCRF)?

Earnings per share at PT Bank Central Asia Tbk are growing +3.7% versus a year earlier. How much earnings per share grew versus a year earlier.

How much net cash does PT Bank Central Asia Tbk (PBCRF) hold?

PT Bank Central Asia Tbk holds more cash than debt, 88.5T IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.

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