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BBYB.JK$262.00+0.77%
Fair $262.00+0.0%

BBYB.JK

PT Bank Neo Commerce Tbk

Financial Services / Banks - RegionalJakarta

$262.00

+2.00 (+0.77%)

Fairly Valued+0.0%Fair Value $262.00Fund rank 32/100 · Data gapFallback financials|
SA 40/C
F-Score: 6/9
Declining Revenue

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 32/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 35/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

40/100

C

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Revenue has declined for 2 consecutive years
Thesis & Journal · BBYB.JKLocal privado en este navegador · PT Bank Neo Commerce Tbk
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$3.50T

P/E

6.6x

↓

EV/EBITDA

N/A

•

ROE

13.4%

↑

Gross Margin

N/A

•

Debt/Equity

0.01

↓
52-Week Range$262
$202$615

TradingView lightweight chart

BBYB.JK price, volumen y niveles de valoración

Último $262.00Periodo +58.6%
Fair value: $262.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+12.3%

FCF CAGR

+14.5%

FCF margin

173.1%

FCF / Net income

7.67x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $2.51T · net income $565.69B · FCF $4.34T

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

22.6%+67.1% pts

FCF margin

173.1%+9.9% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$2507.72B$2507.72B$3000.77B$3232.05B$1771.31B
Net Income$565.69B$565.69B$19.89B$-573.18B$-789.06B
EPS42.3742.371.58-47.61-83.75
Net Margin22.6%22.6%0.7%-17.7%-44.5%
Balance Sheet
Debt/Equity0.010.010.020.020.01
Cash Flow
Free Cash Flow$4340.19B$4340.19B$94.11B$-2257.91B$2890.72B
Returns
ROE13.4%13.4%0.6%-17.2%-21.1%
Valuation
P/E6.566.56141.77——
P/B0.830.830.791.671.55
Growth & Yield
Revenue Growth-16.4%-16.4%-7.2%82.5%—
EPS Growth2581.6%2581.6%103.3%43.2%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-18.1%

fácil

EPS terminal req.

$23.25

Spread vs growth

2599.8%

5Y implied EPS CAGR

-7.9%

fácil

EPS terminal req.

$28.13

Spread vs growth

2589.5%

10Y implied EPS CAGR

0.7%

fácil

EPS terminal req.

$45.30

Spread vs growth

2581.0%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +0.0%

Total return

+0.0%

Start / end P/E

165.8x → 6.2x

EPS bridge

1.58 → 42.37

Residual

-2485.4%

EPS growth+2581.6%
Multiple rerating-96.3%
Dividend+0.0%
Residual / FX / buybacks / cross-term-2485.4%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.