PT Bank Central Asia Tbk (BBCA.JK) stock analysis

In our weekly check, PT Bank Central Asia Tbk is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 5, red flags: 2.

About PT Bank Central Asia Tbk

PT Bank Central Asia Tbk is a Financial Services company (Banks - Regional), listed on JKT as BBCA.JK.

What our checks show for BBCA.JK

Red flags

• The gross margin fell by 5.4 points, to 86%: costs are rising faster than prices.
• Return on capital (ROCE) is only 4.5%.

Warning signs

• Analysts expect only about 3.6% a year of growth in revenue.
• The dividend takes 75% of profit: little cushion if profit falls.
• The price swings a lot: 39.4% annual volatility. Expect large ups and downs.
• The stock has fallen as much as 56% from a peak. Would you have held through that?
• The stock is still below its previous peak.

Strengths

• The net margin rose by 10.1 points over 5 years, to 46%.
• Analysts expect the net margin to improve by 5.7 points from today's 46%.
• Earnings per share grew 12.6% a year over the last 3 years.
• Net profit grew 12.5% a year over the last 3 years.
• The company keeps 46% of its revenue as net profit.
• Free cash flow is 43.5% of revenue: cash for dividends, buybacks or growth.

Similar companies

BBRI.JK · BMRI.JK

Questions

What grade does PT Bank Central Asia Tbk (BBCA.JK) have?

In our weekly check, PT Bank Central Asia Tbk is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 5, red flags: 2. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BBCA.JK stock?

This week's biggest flags for PT Bank Central Asia Tbk: Gross margin falling, Low return on capital, Weak revenue forecast. In total 7 of 25 checks show a warning or a red flag.

What does PT Bank Central Asia Tbk do?

PT Bank Central Asia Tbk is a Financial Services company (Banks - Regional), listed on JKT as BBCA.JK.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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