PT Bank Rakyat Indonesia (Persero) Tbk
$9.57+1.1%
Mentions · last 7 days
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Price updated 2h ago·X counts updated 4h ago
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Banks - Regional sits in its cycle right now — and what that implies for $BKRKY.
Banks - Regional
Net interest margin is the primary earnings lever; the rate curve shape determines the spread between deposit costs and loan yields. Credit quality in commercial real estate remains the headline risk — office exposure is the most closely watched segment.
Top industry ETF
$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+11.6%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
8.3How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
2.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
22.3%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
17.7%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
1.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
18.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
69.9%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
1.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q2 2026Aug 30, 2026$0.28$0.27+5.5%
Q1 2026May 1, 2026$0.30$0.29+1.8%
Q4 2025Feb 25, 2026$0.31$0.28+12.8%
Q3 2025Oct 30, 2025$0.29$0.30-2.2%
Next earningsWed, Oct 28·consensus EPS $0.26
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$94.58T+58.8%70.0%21.6%$5215.50$28.63T
Q1 FY26$97.34T+114.5%73.8%20.8%$5266.50$27.94T
Q4 FY25$120.97T+180.5%79.1%16.5%$5349.00$33.64T
Q3 FY25$77.47T+31.9%67.0%23.4%$4800.00$40.62T
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY26$219.57T$198.58T – $284.01T$19284.88$16888.86 – $26643.228
FY27$232.87T$210.61T – $301.22T$20652.21$18086.31 – $28532.279
FY28$250.03T$226.14T – $323.42T$22946.16$20095.25 – $31701.503
Setup & momentum
Volume, range, and moving-average position — the technical setup driving short-term moves.
Right now
Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.2.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.39%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+14.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-2.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
β0.175-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.ListedOTCListed on an over-the-counter market (PNK / OTCQB / OTCQX), not a major exchange. Lower disclosure requirements and thinner liquidity.
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