PT Bank Rakyat Indonesia (Persero) Tbk (BBRI.JK) stock analysis

In our weekly check, PT Bank Rakyat Indonesia (Persero) Tbk is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 4, red flags: 5.

About PT Bank Rakyat Indonesia (Persero) Tbk

PT Bank Rakyat Indonesia (Persero) Tbk is a Financial Services company (Banks - Regional), listed on JKT as BBRI.JK.

What our checks show for BBRI.JK

Red flags

• The gross margin fell by 14.1 points, to 69.9%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 11.3% a year.
• The stock has fallen as much as 70% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 3.5%.

Warning signs

• The net margin fell by 1.5 points over 5 years, to 17.5%: the company keeps less of each sale as profit.
• The dividend takes 86% of profit: little cushion if profit falls.
• The price swings a lot: 36.9% annual volatility. Expect large ups and downs.

Strengths

• Operating cash flow is 1.53x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 9.5 points from today's 17.5%.
• Revenue grew 24.7% a year over the last 3 years.
• Free cash flow is 25.8% of revenue: cash for dividends, buybacks or growth.
• The price is 7.2 times earnings (P/E), reasonable for its growth.
• A large company: market value $24.33 billion.

Next earnings report: 2026-10-28

Similar companies

BMRI.JK · BBCA.JK · 105560.KS

Questions

What grade does PT Bank Rakyat Indonesia (Persero) Tbk (BBRI.JK) have?

In our weekly check, PT Bank Rakyat Indonesia (Persero) Tbk is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 4, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BBRI.JK stock?

This week's biggest flags for PT Bank Rakyat Indonesia (Persero) Tbk: Gross margin falling, Weak revenue forecast, Deep past fall. In total 9 of 25 checks show a warning or a red flag.

What does PT Bank Rakyat Indonesia (Persero) Tbk do?

PT Bank Rakyat Indonesia (Persero) Tbk is a Financial Services company (Banks - Regional), listed on JKT as BBRI.JK.

When does PT Bank Rakyat Indonesia (Persero) Tbk report earnings next?

The next earnings report is expected on 2026-10-28. We re-run the checks every week, so the grade can change after it.

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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