PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 8.05 means the share price is 8.05 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $28.3B is the value of all shares combined. Beta 0.25: the stock has moved about 75% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerPT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) trades at $9.39 with MoonshotScore 60/100 (Grade B+). Market cap: $28.3B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for BKRKY: BKRKY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BKRKY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
BKRKY: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) Financial Services Profile
PT Bank Rakyat Indonesia (Persero) Tbk, with a $28.3B market cap, is a major Indonesian bank offering diverse financial services including loans, deposits, and digital banking. Operating internationally, it leverages a high 40.4% profit margin and 17.5% ROE while maintaining a low beta of 0.25 in the regional banking sector.
What Is the Investment Thesis for BKRKY?
With a market capitalization of $28.3B and a high profit margin of 40.4%, BRI demonstrates financial strength and efficiency. The bank's return on equity (ROE) of 17.5% indicates effective capital utilization. Key growth catalysts include the expansion of its digital banking services to reach a broader customer base and the increasing demand for financial services among Indonesian MSMEs. However, potential risks include regulatory changes in the Indonesian banking sector and increased competition from fintech companies. Investors should monitor BRI's ability to maintain its profitability and market share in a dynamic financial landscape.
Based on FMP financials and quantitative analysis
BKRKY Key Highlights
Market capitalization of $28.3B reflects significant investor confidence and scale within the Indonesian banking sector.
- Profit margin of 40.4% demonstrates strong operational efficiency and profitability compared to regional peers.
- Return on Equity (ROE) of 17.5% indicates effective utilization of shareholder equity to generate profits.
- Beta of 0.25 suggests low volatility relative to the broader market, potentially offering stability in investment portfolios.
- Focus on micro, small, and medium enterprises (MSMEs) positions BRI to capitalize on the growth of this vital sector in Indonesia.
Who Are BKRKY's Competitors?
BKRKY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| BBRI.JK Bank Rakyat Indonesia (Persero) | $3270.00 | -1.51% | $492T | 649-signal |
| CIB Grupo Cibest S.A. | $103.12 | +3.08% | $24.5B | 985-pillar |
| BBDO Banco Bradesco S.A. | $3.20 | +2.01% | $34.9B | 955-pillar |
| SHG Shinhan Financial Group Co., Ltd. | $81.39 | -0.39% | $38.5B | 985-pillar |
| WF Woori Financial Group Inc. | $74.56 | +0.35% | $18.1B | 975-pillar |
| BPOP Popular, Inc. | $163.96 | -0.54% | $10.5B | 925-pillar |
| ZION Zions Bancorporation, National Association | $68.29 | +0.26% | $9.97B | 975-pillar |
| USB U.S. Bancorp | $62.09 | -0.05% | $96.7B | 945-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are BKRKY's Key Strengths?
Strong brand recognition and reputation in Indonesia
- Extensive branch network across the country
- Focus on serving the MSME sector
- High profit margin and return on equity
What Are BKRKY's Weaknesses?
Exposure to regulatory changes in the Indonesian banking sector
- Dependence on the Indonesian economy
- Potential for increased competition from fintech companies
- Limited international presence compared to global banks
What Could Drive BKRKY Stock Higher?
Expansion of digital banking services to reach a broader customer base.
- Increasing demand for financial services among Indonesian MSMEs.
- Potential changes in Indonesian banking regulations that could benefit BRI.
- Strategic partnerships with fintech companies to enhance product offerings.
What Are the Key Risks for BKRKY?
Financial-distress signal — its Altman Z-Score of 0.56 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes in the Indonesian banking sector that could negatively impact BRI.
- Increased competition from fintech companies and other banks.
- Economic slowdown in Indonesia affecting loan demand and asset quality.
- Cybersecurity risks and data breaches compromising customer data and financial stability.
What Are the Growth Opportunities for BKRKY?
- Expansion of Digital Banking Services: BRI has the opportunity to significantly expand its digital banking services, targeting the large unbanked population in Indonesia. By leveraging mobile technology and online platforms, BRI can reach new customers and offer convenient financial solutions. The Indonesian digital banking market is projected to grow substantially, presenting a significant growth avenue for BRI. Timeline: Ongoing.
- Increased Focus on MSME Lending: BRI's historical strength in serving MSMEs provides a solid foundation for further growth. By developing tailored financial products and services for MSMEs, BRI can capitalize on the increasing demand for financing among these businesses. The Indonesian government's support for MSMEs further enhances this growth opportunity. Market size: Significant and growing. Timeline: Ongoing.
- International Expansion: BRI can explore opportunities for international expansion, particularly in Southeast Asian countries with similar economic characteristics to Indonesia. By leveraging its expertise in serving MSMEs, BRI can establish a presence in new markets and diversify its revenue streams. Timeline: Medium-term.
- Development of Wealth Management Services: As the Indonesian economy grows, there is an increasing demand for wealth management services among affluent individuals. BRI can develop and offer a range of wealth management products and services to cater to this growing market segment. Timeline: Medium-term.
- Strategic Partnerships: BRI can form strategic partnerships with fintech companies and other financial institutions to enhance its product offerings and expand its reach. These partnerships can enable BRI to leverage new technologies and access new customer segments. Timeline: Ongoing.
What Are BKRKY's Competitive Advantages?
- Strong brand recognition and reputation in Indonesia.
- Extensive branch network across the country, providing broad reach.
- Deep understanding of the Indonesian market and customer needs.
- Focus on serving the MSME sector, a key driver of the Indonesian economy.
What Does BKRKY Do?
PT Bank Rakyat Indonesia (Persero) Tbk, commonly known as BRI, was established in 1895 and has grown into one of Indonesia's largest banks. Headquartered in Jakarta, the bank provides a comprehensive suite of banking products and services, catering to a wide range of customers from individuals to large corporations, both within Indonesia and internationally. Its offerings include savings and current accounts, various deposit options like time and foreign currency deposits, and a diverse loan portfolio encompassing mortgage, working capital, investment, and microfinance solutions. BRI also provides essential services such as bill payment, online transactions, remittance, and cash management. Furthermore, the bank has expanded into investment products, trade finance, credit cards, wealth management, and digital banking services. BRI's commitment to supporting micro, small, and medium enterprises (MSMEs) is evident through its specialized loan programs and financial services tailored to these businesses, solidifying its role as a key driver of economic growth in Indonesia.
What Products and Services Does BKRKY Offer?
- Provides savings and current accounts to individuals and businesses.
- Offers time, foreign currency time, and on-call deposits.
- Provides mortgage, working capital, investment, and franchise loans.
- Offers micro, small, and medium enterprise (MSME) loans.
- Provides bill payment, deposit, online transaction, and remittance services.
- Offers trade finance and services, including import and export financing.
- Provides credit cards and wealth management services.
- Offers digital banking services.
How Does BKRKY Make Money?
- Generates revenue from interest income on loans.
- Earns fees from various banking services, such as transaction fees and wealth management fees.
- Profits from trading activities and investment products.
- Expands customer base through branch network and digital channels.
What Industry Does BKRKY Operate In?
PT Bank Rakyat Indonesia operates within the Indonesian banking sector, which is characterized by increasing competition and evolving regulatory landscape. The industry is experiencing growth driven by increasing financial inclusion and the expansion of digital banking services. BRI's focus on MSMEs aligns with the Indonesian government's efforts to support these businesses, positioning the bank favorably. Competition comes from both traditional banks and emerging fintech companies. The Indonesian banking sector is expected to continue growing, driven by the country's economic development and increasing urbanization.
Who Are BKRKY's Key Customers?
- Individual customers seeking savings and loan products.
- Micro, small, and medium enterprises (MSMEs) requiring financing and banking services.
- Large corporations needing working capital and investment loans.
- Government entities utilizing banking services for public sector initiatives.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
Why 60?
This rating comes from our nine-signal model, which produces a score but not a per-factor breakdown. The sector-relative five-pillar model, which explains its own contributions, does not cover this listing yet. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 60 |
| 2026-08-26 | 60 |
| 2026-08-29 | 60 |
| 2026-09-01 | 60 |
| 2026-09-04 | 60 |
| 2026-09-07 | 60 |
| 2026-09-10 | 60 |
What changed?
The score has stayed at 60.
Over the same 18 days the stock moved +7.8%.
PT Bank Rakyat Indonesia (Persero) Tbk Financial Trajectory
PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) reported $94.58T in revenue for Q2 FY2026, a decline of 2.8% compared to the prior quarter. The company recorded net income of $15.67T, with diluted EPS of $5204.86. Revenue has contracted over three consecutive quarters, which investors in this large-cap Financial Services stock should monitor closely. Across the four most recent quarters, BKRKY averaged $5136.44 in diluted EPS.
Company Profile
PT Bank Rakyat Indonesia (Persero) Tbk operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Jakarta, ID. The company is led by CEO Hery Gunardi. BKRKY has traded publicly since 2011.
How PT Bank Rakyat Indonesia (Persero) Tbk Is Valued
PT Bank Rakyat Indonesia (Persero) Tbk carries a market capitalization of $28.3B, placing it in the large-cap category. Relative to its peer group, BKRKY's quantitative score of 60/100 is below the peer average of 92/100.
Key Financial Metrics
Return on equity for PT Bank Rakyat Indonesia (Persero) Tbk stands at 17.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.6%, showing how much profit it generates from its asset base. BKRKY trades at a trailing price-to-earnings ratio of 8.05, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 14.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.60 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 13.2%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
PT Bank Rakyat Indonesia (Persero) Tbk's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.56 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
PT Bank Rakyat Indonesia (Persero) Tbk has beaten Wall Street's EPS estimate in 5 of its last 8 reported quarters — more hits than misses. Reported results have landed about 1.8% above estimates on average.
BKRKY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong brand recognition and reputation in Indonesia
- Extensive branch network across the country
- Focus on serving the MSME sector
- High profit margin and return on equity
Bear Case
- Exposure to regulatory changes in the Indonesian banking sector
- Dependence on the Indonesian economy
- Potential for increased competition from fintech companies
- Limited international presence compared to global banks
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | IDR 94581.47B | IDR 15672.86B | IDR 5204.86 |
| Q1 FY2026 | IDR 97338.41B | IDR 15719.65B | IDR 5219.85 |
| Q4 FY2025 | IDR 120974.25B | IDR 15932.59B | IDR 5281.94 |
| Q3 FY2025 | IDR 77474.75B | IDR 14574.52B | IDR 4839.11 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Reported in IDR
BKRKY Latest News
-
Stocks That Hit 52-Week Lows On Tuesday
· Mar 24, 2020
-
Stocks That Hit 52-Week Highs On Tuesday
· Jan 21, 2020
-
Stocks That Hit 52-Week Highs On Friday
· Jan 17, 2020
BKRKY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for BKRKY.
Price Targets
Wall Street price target analysis for BKRKY.
BKRKY MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. BKRKY scores 60/100 (Grade B+): the number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
PT Bank Rakyat Indonesia (Persero) Tbk ADR Information Unsponsored
PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) trades in the U.S. as an American Depositary Receipt (ADR).
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: BKRK
BKRKY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that PT Bank Rakyat Indonesia (Persero) Tbk has not met the requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be current in their reporting. This tier is often associated with higher risk due to the lack of stringent listing standards and regulatory oversight compared to exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price volatility.
- Less regulatory oversight compared to major exchanges.
- Potential for delays in trade execution due to lower liquidity.
- Higher risk of fraud or manipulation compared to listed companies.
- Verify the company's registration and legal status.
- Review available financial statements, if any.
- Assess the company's management team and their track record.
- Research the company's industry and competitive landscape.
- Understand the company's business model and revenue streams.
- Monitor news and press releases for any red flags.
- Consult with a financial advisor before investing.
- Established history as a major Indonesian bank.
- Significant market capitalization despite being on the OTC market.
- Publicly available information, even if limited, on the company's operations.
- Presence of the company in reputable financial databases.
- Operations in a regulated industry (banking).
What Investors Ask About PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) — Financial Services
What does the AI Score mean for BKRKY?
BKRKY holds an AI Score of 60/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. The number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Is BKRKY a good stock?
Stock Expert AI does not rate BKRKY buy, sell or hold. PT Bank Rakyat Indonesia (Persero) Tbk carries a MoonshotScore of 60/100 on the legacy nine-factor engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What does PT Bank Rakyat Indonesia (Persero) Tbk do?
PT Bank Rakyat Indonesia (Persero) Tbk is a leading Indonesian bank providing a wide array of financial products and services.
What are the key factors to evaluate for BKRKY?
PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) holds an AI score of 60/100 (moderate). P/E: 8.05x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BKRKY data refresh on this page?
BKRKY's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven BKRKY's recent stock price performance?
PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand recognition and reputation in Indonesia. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BKRKY overvalued or undervalued right now?
PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) trades at 8.05x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of BKRKY?
Yes, most major brokerages offer fractional shares of PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track BKRKY's earnings and financial reports?
PT Bank Rakyat Indonesia (Persero) Tbk (BKRKY) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for BKRKY earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.