StockAnalyzer

Financial Analysis

DashboardSectorsComparablesScreenerUniverseMicrocapsAI 2nd OrderTheme MapEnergy & MaterialsMacroWatchlistCompareMi CarteraPortfolio

Recent

v0.1
BVIC.JK$99.00+0.00%
Fair $99.00+0.0%

BVIC.JK

PT Bank Victoria International Tbk

Financial Services / Banks - RegionalJakarta

$99.00

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $99.00Fund rank 27/100 · Data gapFallback financials|
SA 21/D
F-Score: 4/9
Low Profitability

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 12.0/100

Data gap 27/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 39/100Data 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

21/100

D

Piotroski

4/9

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. ROE is 3.0%, below the 5% threshold
Thesis & Journal · BVIC.JKLocal privado en este navegador · PT Bank Victoria International 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

$1.82T

P/E

14.1x

↑

EV/EBITDA

N/A

•

ROE

3.0%

↓

Gross Margin

N/A

•

Debt/Equity

1.25

↑
52-Week Range$99
$79$185

TradingView lightweight chart

BVIC.JK price, volumen y niveles de valoración

Último $99.00Periodo +30.0%
Fair value: $99.00

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

+4.6%

FCF CAGR

+18.3%

FCF margin

201.4%

FCF / Net income

13.16x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $860.48B · net income $131.74B · FCF $1.73T

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

15.3%-14.8% pts

FCF margin

201.4%+62.1% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$860.48B$860.48B$553.75B$654.11B$751.61B
Net Income$131.74B$131.74B$117.86B$101.82B$226.17B
EPS——7.446.4219.17
Net Margin15.3%15.3%21.3%15.6%30.1%
Balance Sheet
Debt/Equity1.251.250.640.570.57
Cash Flow
Free Cash Flow$1733.41B$1733.41B$-968.01B$1255.82B$1047.65B
Returns
ROE3.0%3.0%3.0%2.7%6.1%
Valuation
P/E14.0814.0811.9614.495.63
P/B0.420.420.360.390.34
Growth & Yield
Revenue Growth55.4%55.4%-15.3%-13.0%—
EPS Growth——15.9%-66.5%—

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

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

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 +19.3%

Total return

+19.3%

Start / end P/E

n/dx → n/dx

EPS bridge

7.44 → n/d

Residual

+19.3%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+19.3%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

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.