Bank Rakyat Indonesia (Persero) Tbk PT

Bank Rakyat Indonesia maintains a capital structure supported by total equity of IDR 324.0 trillion against total assets of IDR 2,135.4 trillion. The debt-to-equity ratio stands at 0.61, indicating moderate leverage relative to equity. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. The company holds long-term debt of IDR 198.5 trillion. Operating cash flow is IDR 14.6 trillion, while free cash flow is IDR 4.8 trillion after capital expenditures of IDR 6.3 trillion.

Profitability metrics show a return on equity of 18.04% and a return on assets of 2.74%. The price-to-earnings ratio is 7.16, and the price-to-book ratio is 1.29. These valuation multiples suggest the market prices the bank at a modest premium to book value. The net income for the latest period is IDR 56.7 trillion on revenue of IDR 150.5 trillion.

The company's 18.04% return on equity ranks as best-in-class compared to the 6.1% median for the banking cohort.

Analysts project 18.4% upside potential, with a mean price target of 3,693.41 IDR versus the current market price.

Revenue has demonstrated strong growth, achieving a 7.2% compound annual growth rate over the last four fiscal years.

The stock trades at a modest 1.29x price-to-book ratio, suggesting limited valuation premium relative to tangible book value.

Net income fell 5.8% year-over-year to 56.65 trillion IDR, signaling a reversal in recent earnings growth momentum.

Long-term debt increased significantly to 185.9 trillion IDR, reflecting a rising leverage burden on the balance sheet.

Cash conversion ratio of 0.25 is well below the 1.15 cohort median, indicating weaker cash generation from earnings.

The company faces medium liquidity risk, which could constrain operational flexibility or increase funding costs in tight markets.

Revenue IDR 40.16T, +11,9% YoY; Net income +13,7% YoY.

• ▍Revenue IDR 40.16T, +11,9% YoY
• ▍Net income +13,7% YoY
• ▍Free cash flow +38,9% YoY
• ▍Net margin 38.6%

Revenue IDR 39.51T, +8,8% YoY; Net income +5,2% YoY.

• ▍Revenue IDR 39.51T, +8,8% YoY
• ▍Net income +5,2% YoY
• ▍Free cash flow +32,1% YoY
• ▍Net margin 40.2%

Revenue IDR 37.72T, +5,3% YoY; Net income −5,6% YoY.

• ▍Revenue IDR 37.72T, +5,3% YoY
• ▍Net income −5,6% YoY
• ▍Free cash flow +2,2% YoY
• ▍Net margin 38.5%

Revenue IDR 37.42T, +7,6% YoY; Net income −8,8% YoY.

• ▍Revenue IDR 37.42T, +7,6% YoY
• ▍Net income −8,8% YoY
• ▍Free cash flow −246,1% YoY
• ▍Net margin 33.7%

Revenue IDR 35.88T; Net margin 38.0%.

• ▍Revenue IDR 35.88T
• ▍Net margin 38.0%

Revenue IDR 36.30T; Net margin 41.6%.

• ▍Revenue IDR 36.30T
• ▍Net margin 41.6%

Revenue IDR 35.83T; Net margin 42.9%.

• ▍Revenue IDR 35.83T
• ▍Net margin 42.9%

Revenue IDR 34.78T; Net margin 39.7%.

• ▍Revenue IDR 34.78T
• ▍Net margin 39.7%

Revenue IDR 150.50T, +5,9% YoY; Net income −5,8% YoY.

• ▍Revenue IDR 150.50T, +5,9% YoY
• ▍Net income −5,8% YoY
• ▍Free cash flow −40,7% YoY
• ▍Net margin 37.6%

Revenue IDR 142.06T, +3,4% YoY; Net income +0,1% YoY.

• ▍Revenue IDR 142.06T, +3,4% YoY
• ▍Net income +0,1% YoY
• ▍Free cash flow −35,5% YoY
• ▍Net margin 42.3%

Revenue IDR 137.40T, +10,3% YoY; Net income +17,4% YoY.

• ▍Revenue IDR 137.40T, +10,3% YoY
• ▍Net income +17,4% YoY
• ▍Free cash flow −31,0% YoY
• ▍Net margin 43.7%

Revenue IDR 124.60T, +9,2% YoY; Net income +64,7% YoY.

• ▍Revenue IDR 124.60T, +9,2% YoY
• ▍Net income +64,7% YoY
• ▍Free cash flow +37,6% YoY
• ▍Net margin 41.1%