PT Bank Central Asia Tbk (PBCRY) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
PT Bank Central Asia Tbk (PBCRY) trades at $8.87 with AI Score 50/100 (Grade B). PT Bank Central Asia Tbk (PBCRY) is a leading Indonesian bank providing a wide array of financial services to… Market cap: $43.6B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for PBCRY: PBCRY 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 PBCRY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
PBCRY: 1/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →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 Central Asia Tbk (PBCRY) Financial Services Profile
PT Bank Central Asia Tbk (PBCRY) is a prominent Indonesian bank, offering diverse financial products and services, including loans, savings accounts, and electronic banking. With a robust network of branches and ATMs, PBCRY maintains a strong market position in the Indonesian banking sector, demonstrating solid profitability and a substantial dividend yield.
What Is the Investment Thesis for PBCRY?
PT Bank Central Asia Tbk (PBCRY) presents a compelling investment case based on its strong market position in Indonesia, high profitability, and attractive dividend yield of 4.50%. The bank's P/E ratio of 14.51, coupled with a robust profit margin of 47.0%, indicates efficient operations and earnings potential. Growth catalysts include expanding digital banking services and increasing penetration in the SME sector. However, investors should be aware of potential risks such as regulatory changes and increased competition from fintech companies. The bank's low beta of 0.01 suggests relatively low volatility compared to the market, making it a potentially stable investment within the financial sector. The continued expansion of its branch and ATM network, combined with innovative financial solutions, positions PBCRY for sustained growth.
Based on FMP financials and quantitative analysis
PBCRY Key Highlights
Market capitalization of $43.6B, reflecting its significant size and market presence in the Indonesian banking sector.
- P/E ratio of 14.51, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 47.0%, showcasing strong profitability and efficient cost management.
- Gross margin of 69.0%, highlighting the bank's ability to generate revenue from its core banking activities.
- Dividend yield of 4.50%, offering an attractive income stream for investors.
Who Are PBCRY's Competitors?
PBCRY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BNCDY Banca Mediolanum S.p.A. | $53.00 | +0.00% | $79.1B | 56 |
| CHBJF China CITIC Bank Corporation Limited | $0.90 | +0.00% | $50.3B | 52 |
| CHCJY China CITIC Bank Corporation Limited | $19.60 | +1.08% | $64.6B | 52 |
| CIXPF CaixaBank, S.A. | $14.47 | +0.00% | $101B | 49 |
| CRARF Crédit Agricole S.A. | $22.04 | -0.36% | $66.7B | 64 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PBCRY's Key Strengths?
Strong market position in Indonesia.
- Extensive branch and ATM network.
- High profitability and attractive dividend yield.
- Diversified range of financial products and services.
What Are PBCRY's Weaknesses?
Reliance on the Indonesian market.
- Exposure to regulatory changes in Indonesia.
- Potential impact from macroeconomic factors.
- Limited international presence compared to global banks.
What Could Drive PBCRY Stock Higher?
PBCRY catalyst: Expansion of digital banking services to attract a larger customer base and increase transaction volumes.
- Increased penetration in the SME sector through tailored financial products and services.
- Potential strategic partnerships with fintech companies to enhance technological capabilities.
- Exploration of geographic expansion opportunities in Southeast Asia to diversify revenue streams.
- Enhancement of wealth management services to cater to the growing affluent population in Indonesia.
What Are the Key Risks for PBCRY?
Financial-distress signal — its Altman Z-Score of -0.10 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from fintech companies disrupting the traditional banking sector.
- Economic downturn in Indonesia impacting lending and investment activities.
- Changes in government regulations affecting the banking industry.
- Cybersecurity risks and data breaches compromising customer data and financial assets.
- Currency risk associated with fluctuations in the Indonesian Rupiah against the U.S. dollar.
What Are the Growth Opportunities for PBCRY?
- Expansion of Digital Banking Services: PBCRY can capitalize on the increasing adoption of digital banking in Indonesia by enhancing its mobile banking platform and online services. With a growing number of internet and smartphone users, the demand for convenient and accessible digital financial solutions is rising. Investing in user-friendly interfaces, robust security measures, and innovative features can attract a larger customer base and drive transaction volumes. This expansion aligns with the global trend toward digital transformation in the financial sector, potentially increasing fee income and reducing operational costs.
- Increased Penetration in the SME Sector: Small and medium enterprises (SMEs) represent a significant growth opportunity for PBCRY. By offering tailored financial products and services, such as working capital loans, trade finance, and digital payment solutions, the bank can tap into the underserved SME market. The Indonesian government's focus on supporting SME development creates a favorable environment for PBCRY to expand its SME lending portfolio. Providing financial literacy programs and business advisory services can further strengthen relationships with SME clients and foster long-term growth.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable PBCRY to enhance its technological capabilities and expand its service offerings. By partnering with fintech firms specializing in areas such as digital payments, peer-to-peer lending, and robo-advisory, PBCRY can leverage innovative solutions to improve customer experience and streamline operations. These partnerships can also provide access to new customer segments and markets, driving revenue growth and enhancing the bank's competitive position in the evolving financial landscape.
- Geographic Expansion in Southeast Asia: PBCRY can explore opportunities for geographic expansion in Southeast Asia to diversify its revenue streams and reduce its reliance on the Indonesian market. By establishing branches or forming strategic alliances with local banks in neighboring countries, PBCRY can tap into new markets with high growth potential. Focusing on countries with similar economic and cultural characteristics can facilitate smoother market entry and integration. This expansion can also enhance PBCRY's brand recognition and reputation as a leading regional bank.
- Enhancing Wealth Management Services: With a growing affluent population in Indonesia, PBCRY can expand its wealth management services to cater to the needs of high-net-worth individuals. By offering personalized investment advice, portfolio management, and estate planning services, the bank can attract and retain wealthy clients. Investing in skilled wealth managers and advanced technology platforms can enhance the quality and efficiency of its wealth management services. This expansion can generate higher fee income and strengthen customer loyalty.
What Are PBCRY's Competitive Advantages?
- Extensive branch and ATM network providing widespread accessibility.
- Strong brand reputation and customer loyalty in Indonesia.
- Diversified range of financial products and services.
- Established relationships with corporate and SME clients.
- Robust risk management practices ensuring financial stability.
What Does PBCRY Do?
Founded in 1955 and headquartered in Jakarta, Indonesia, PT Bank Central Asia Tbk (PBCRY) has evolved into one of the largest banks in Indonesia, serving individual, corporate, and small and medium enterprise (SME) customers both domestically and internationally. The bank's comprehensive suite of products and services includes savings accounts, various financing options such as motorcycle, car, housing, working capital, and investment loans, as well as mutual funds and bonds. PBCRY also offers modern electronic money services, credit cards, business collection services, and advanced home and eBanking solutions, alongside traditional remittance and customer services. PT Bank Central Asia Tbk operates a vast network of 1,334 offices, consisting of main branch offices, permanent sub-branch offices, mobile sub-branch offices, and functional offices. Complementing its physical presence, the bank maintains an extensive network of 18,034 automated teller machines (ATMs), including cash recycling machines and multi-functional ATMs, ensuring convenient access for its customers. The bank's services also extend to investment financing, working capital financing, auto and multipurpose financing, operating leases, and other financing activities. Additionally, PBCRY is involved in securities brokerage dealing, securities issuance underwriting, general or loss insurance, life insurance, Sharia banking, and venture capital services. PT Bank Central Asia Tbk operates as a subsidiary of PT Dwimuria Investama Andalan, further solidifying its financial foundation and strategic direction.
What Products and Services Does PBCRY Offer?
- Provides savings accounts to individual customers.
- Offers motorcycle, car, housing, working capital, and investment loans.
- Provides mutual funds and bonds investment options.
- Offers electronic money services for convenient transactions.
- Provides credit cards for various spending needs.
- Offers business collection services for corporate clients.
- Provides home and eBanking services for remote banking.
- Offers remittance and customer services for fund transfers and support.
How Does PBCRY Make Money?
- Generates revenue from interest income on loans.
- Earns fees from banking services such as credit cards, remittances, and electronic transactions.
- Profits from trading and investment activities.
- Provides insurance and venture capital services for additional income streams.
What Industry Does PBCRY Operate In?
PT Bank Central Asia Tbk operates within the Indonesian banking sector, which is characterized by increasing competition and evolving regulatory landscape. The industry is experiencing rapid growth in digital banking and fintech adoption, requiring traditional banks to innovate and adapt. PBCRY's extensive branch and ATM network provides a competitive advantage, particularly in reaching customers in less urbanized areas. The Indonesian banking sector is also influenced by macroeconomic factors such as interest rates, inflation, and economic growth, which impact lending and investment activities. PBCRY competes with other regional banks like BNCDY and CHBJF, as well as international players in the Indonesian market.
Who Are PBCRY's Key Customers?
- Individual customers seeking personal banking services.
- Corporate clients requiring business financing and banking solutions.
- Small and medium enterprises (SMEs) needing financial support for growth.
- High-net-worth individuals seeking wealth management services.
Company Profile
PT Bank Central Asia Tbk operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Jakarta, ID. The company is led by CEO Gregory Hendra Lembong. PBCRY has traded publicly since 2012.
PT Bank Central Asia Tbk Financial Trajectory
PT Bank Central Asia Tbk (PBCRY) reported $31.91T in revenue for Q2 2026, a decline of 1.5% compared to the prior quarter. The company recorded net income of $14.85T, with diluted EPS of $3021.00. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, PBCRY averaged $2951.81 in diluted EPS.
How PT Bank Central Asia Tbk Is Valued
PT Bank Central Asia Tbk carries a market capitalization of $43.6B, placing it in the large-cap category. Relative to its peer group, PBCRY's quantitative score of 50/100 is roughly in line with the peer average of 55/100.
Key Financial Metrics
Return on equity for PT Bank Central Asia Tbk stands at 21.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 3.5%, showing how much profit it generates from its asset base. PBCRY trades at a trailing price-to-earnings ratio of 12.54, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 15.25 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 8.0%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
PT Bank Central Asia Tbk's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.10 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project PT Bank Central Asia Tbk revenue of about $117.50T for fiscal 2026, with EPS near $0.00. The estimate reflects 20 contributing analysts.
PBCRY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that key executives believe in the growth potential.
- Community sentiment has turned increasingly positive, with discussions highlighting the bank's strong customer service and digital banking initiatives.
- Analysts note the bank's solid fundamentals, including a well-diversified loan portfolio that can weather economic fluctuations.
- Recent regulatory developments have favored the banking sector, positioning the company for potential growth amid a supportive environment.
Bear Case
- Concerns about rising interest rates may impact profitability, as higher rates can lead to increased borrowing costs for consumers.
- Social sentiment has shown some skepticism regarding the bank's ability to maintain its growth trajectory in a competitive market.
- Recent discussions have pointed to potential regulatory challenges that could affect the bank's operational flexibility and growth plans.
- Market perception remains cautious, with some investors worried about macroeconomic factors that could impact the banking sector overall.
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 2026 | $31906.40B | $14850.32B | $3021.00 |
| Q1 2026 | $32406.67B | $14899.22B | $2975.00 |
| Q4 2025 | $29297.98B | $14139.87B | $2880.00 |
| Q3 2025 | $32742.77B | $14452.81B | $2931.25 |
Based on FMP financials and quantitative analysis
PBCRY Latest News
No recent news available for PBCRY.
PBCRY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PBCRY.
Price Targets
Wall Street price target analysis for PBCRY.
PBCRY MoonshotScore
What does this score mean?
The MoonshotScore rates PBCRY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Gregory Hendra Lembong
Unknown
Information on Gregory Hendra Lembong's specific background is not available in the provided data. However, as a leader within PT Bank Central Asia Tbk, it can be inferred that he possesses extensive experience in the banking and financial services sector. His role likely involves strategic planning, operational oversight, and stakeholder management to drive the bank's growth and profitability. Further details about his educational qualifications, previous roles, and specific expertise are needed to provide a comprehensive profile.
Track Record: Specific achievements and milestones under Gregory Hendra Lembong's leadership are not detailed in the provided data. However, as a key executive, his responsibilities likely include overseeing the bank's financial performance, implementing strategic initiatives, and ensuring compliance with regulatory requirements. The bank's continued growth and profitability, as evidenced by its market capitalization and financial metrics, suggest effective leadership and strategic decision-making.
PT Bank Central Asia Tbk ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company trading on U.S. stock exchanges. PBCRY, as an ADR, allows U.S. investors to invest in PT Bank Central Asia Tbk without the complexities of cross-border transactions. The ADR represents a specific number of underlying shares held by a depositary bank in the home country, Jakarta, Indonesia.
- Home Market Ticker: Indonesia Stock Exchange (IDX), Jakarta, ID
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: PBCR
PBCRY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market, indicating that PT Bank Central Asia Tbk (PBCRY) has limited reporting requirements and may not meet the listing standards of major exchanges like the NYSE or NASDAQ. Companies on this tier often have less stringent financial disclosures, potentially increasing the risk for investors due to limited transparency. Trading on the OTC Other tier typically involves higher risks compared to listed exchanges.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency due to the OTC Other tier status.
- Lower liquidity, potentially leading to difficulties in buying or selling shares.
- Higher price volatility due to the speculative nature of OTC markets.
- Potential for fraudulent activities or scams due to less regulatory oversight.
- Currency risk associated with investing in a foreign company.
- Verify the company's financial statements and reporting frequency.
- Assess the average daily trading volume and bid-ask spread.
- Research the company's management team and their track record.
- Review any available news articles or press releases about the company.
- Consult with a financial advisor to understand the risks involved.
- Check for any regulatory actions or investigations against the company.
- Understand the currency risk associated with investing in a foreign company.
- Established history as a major bank in Indonesia.
- Substantial market capitalization indicating significant size and presence.
- Positive financial metrics such as profit margin and dividend yield.
- Operation of a wide network of branches and ATMs.
- Subsidiary of PT Dwimuria Investama Andalan, suggesting a strong financial backing.
Common Questions About PBCRY (Financial Services)
What does the AI Score mean for PBCRY?
PBCRY holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. PT Bank Central Asia Tbk (PBCRY) is a leading Indonesian bank providing a wide array of financial services to individuals, corporations, and SMEs. With a strong market capitalization …
What does PT Bank Central Asia Tbk do?
PT Bank Central Asia Tbk (PBCRY) is a leading Indonesian bank that provides a comprehensive range of financial products and services to individual, corporate, and SME customers. These offerings include savings accounts, various types of loans (motorcycle, car, housing, working capital, and investment), mutual funds, bonds, electronic money services, and credit cards.
What are the main risks for PBCRY?
The main risks for PT Bank Central Asia Tbk (PBCRY) include increased competition from fintech companies, potential economic downturns in Indonesia, and changes in government regulations affecting the banking industry. Cybersecurity risks and data breaches also pose a threat to customer data and financial assets. Additionally, currency risk associated with fluctuations in the Indonesian Rupiah against the U.S.
What are the key factors to evaluate for PBCRY?
PT Bank Central Asia Tbk (PBCRY) holds an AI score of 50/100 (moderate). PT Bank Central Asia Tbk (PBCRY) presents a compelling investment case based on its strong market position in Indonesia, high profitability, and attractive dividend yield of 4.50%. Not financial advice.
How frequently does PBCRY data refresh on this page?
PBCRY's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PBCRY's recent stock price performance?
PT Bank Central Asia Tbk (PBCRY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in Indonesia. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PBCRY overvalued or undervalued right now?
PT Bank Central Asia Tbk (PBCRY) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research PBCRY before investing?
Before investing in PT Bank Central Asia Tbk (PBCRY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding PBCRY to a portfolio?
Key strength of PT Bank Central Asia Tbk (PBCRY): Strong market position in Indonesia. Weigh rewards against risks and diversify. Not financial advice.
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.
- Information is based on available data as of 2026-03-17.
- AI analysis pending for PBCRY, which may provide additional insights.