Companies ›Financials ›BCIC.JK

BCIC.JK — IDX (Jakarta) Banks

Bank JTrust Indonesia Tbk PT

$125,00

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Mcap

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P/E

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EV / Rev

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Div yield

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Op margin

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ROE

-2,2 %

Net margin

-39,4 %

Debt / equity

0,00

Beta

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52w range

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Volume

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Day range

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Prev close

$7,46

Open

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Next earnings

2026-10-28

Ex-dividend

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TR 1Y

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About

Bank JTrust Indonesia Tbk PT has a liquidity position that is characterized as medium risk, with a debt-to-equity ratio of 0.0, indicating minimal leverage in its capital structure. The company's liquidity is further supported by a strong operating cash flow of 2.38 trillion IDR, although its free cash flow is negative at -74.08 billion IDR, suggesting that capital expenditures and other operational costs are outpacing cash generation. Profitability metrics for the company are weak, with a return on equity of -2.22% and a return on assets of -0.21%, both significantly below the industry median for banks. These figures indicate that the company is not generating returns that meet the cost of equity or assets, which is a concern for investors. The company's revenue is not segmented by geographic region or product line in the available data, making it difficult to assess the concentration of risk in specific markets or services. However, the absence of long-term debt and the relatively high total equity of 3.76 trillion IDR suggest that the company is not overly reliant on external financing. Looking ahead, the company's revenue is expected to show a negative growth trajectory, as

Business. Bank JTrust Indonesia Tbk PT is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is headquartered in Indonesia and is publicly listed on the Jakarta Stock Exchange under the ticker symbol BCIC.JK. Specific details regarding operating segments or geographic revenue breakdowns are not available.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

Generated · model-assisted

Sell-side consensus

HOLD4 analysts

1 buy3 hold0 sell

Avg 12m price target11,67

Analyst recommendations

4 analysts · consensus Hold

Buy1

Hold3

Sell0

12-month price target

11,67

Consensus of sell-side coverage.

Upcoming events

EarningsQ3 2026 earnings (expected)2026-10-28 · estimated

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts→

Hold

4 analysts · indicative

Ownership→

Raymond James & Associates, Inc.

largest disclosed fund holder

Profitability→

-2,2 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning BCIC.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to BCIC.JK. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

Bank JTrust Indonesia Tbk PT is a banking institution operating within the Financials sector, specifically engaged in providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is headquartered in Indonesia and is publicly listed on the Jakarta Stock Exchange under the ticker symbol BCIC.JK. Specific details regarding operating segments or geographic revenue breakdowns are not available.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

AI synthesis

GENERATED

Profitability metrics for the company are weak, with a return on equity of -2.22% and a return on assets of -0.21%, both significantly below the industry median for banks. These figures indicate that the company is not generating returns that meet the cost of equity or assets, which is a concern for investors.

The company's revenue is not segmented by geographic region or product line in the available data, making it difficult to assess the concentration of risk in specific markets or services. However, the absence of long-term debt and the relatively high total equity of 3.76 trillion IDR suggest that the company is not overly reliant on external financing.

Looking ahead, the company's revenue is expected to show a negative growth trajectory, as indicated by the negative net income of -83.43 billion IDR. This trend is likely to continue unless there are significant improvements in operational efficiency or revenue generation.

The risk assessment for the company highlights a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt suggests that the company may need to manage its cash flow more effectively to avoid liquidity constraints.

Recent events and filings do not provide specific details on the company's strategic initiatives or financial performance, but the negative net income and weak profitability metrics indicate that the company is facing challenges in maintaining its financial health.

Key takeaways

Bank JTrust Indonesia Tbk PT has a weak profitability profile, with negative returns on equity and assets.
The company's liquidity is medium risk, supported by strong operating cash flow but constrained by negative free cash flow.
The absence of long-term debt and high total equity suggests a conservative capital structure.
The company's revenue growth is expected to be negative, indicating ongoing financial challenges.
The risk of dilution is low, but the company must manage its cash flow to avoid liquidity constraints.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Valuation FY

Market price

$125,00

Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

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EV / Revenueⓘ

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EV / Op incomeⓘ

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EV / OCFⓘ

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P / Bⓘ

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P / Tangible bookⓘ

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Tangible book

$3.76T

Net cashⓘ

-$1.71B

Current ratioⓘ

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Debt / equityⓘ

0.0

ROAⓘ

-0.2%

ROEⓘ

-2.2%

Cash conversionⓘ

-2849.0%

CapEx / revenueⓘ

-10.9%

SBC / revenueⓘ

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Dilution ratioⓘ

0.0%