Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
AGRO.JK
Strong SellSinkerPT Bank Raya Indonesia Tbk · Financial Services · Indonesia · $211M · Avg Vol: $58K/d
4
StockRankGet insider-trade alerts
Q
22
V
29
M
20
P/E (TTM)
—
ROE
-16.2%
D/E
0.0x
Dividend %
—
COMPANY DESCRIPTION
PT Bank Raya Indonesia Tbk provides financial services in Indonesia. The company offers business and personal loans. It also offers savings accounts. The company was formerly known as PT Bank Rakyat Indonesia Agroniaga Tbk and changed its name to PT Bank Raya Indonesia Tbk in September 2021.
FINANCIAL SUMMARY (IDR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 1.3T | 918.3B | 1.1T | 885.4B | -11.9% | 348.9B |
| EPS (IDR) | 0.50 | 0.98 | 2.06 | -20.20 | 103.0% | -21.04 |
| Shares | 24.7B | 24.7B | 24.7B | 24.7B | -0.3% | 24.7B |
| Debt | 110.5B | 90.8B | 53.5B | 39.9B | -28.8% | — |
| Equity | 3.4T | 3.4T | 3.5T | 3.0T | -3.9% | — |
| Op CF | 95.2B | -885.0B | 497.2B | 391.0B | 60.2% | -249.1B |
| Inv CF | -1.1T | 157.6B | -179.6B | -559.7B | — | — |
| Fin CF | 1.0T | -279.9B | 245.3B | -323.2B | — | — |
Loading 1Y...
PRICE (1Y)+4.9%
SMA 50SMA 200
Close
$0.0086
RSI (14)
51.7
52W High
$0.0155
From 52W High
0.6%
SCORE BREAKDOWN
Quality
22
ROIC (ROA)
-4.0%*5.7
ROE
-16.2%4.3
GP/Assets
2.6%N/A
Op. Margin
3.1%23.6
FCF/Assets
2.5%N/A
Piotroski
446.2
Int. Cover
—50.0
D/E Ratio
0.01xN/A
Current Ratio
bankN/A
Value
29
P/E (TTM)
—N/A
EV/EBITDA
bankN/A
P/FCF
11.5xN/A
P/B
1.3x45.9
P/S
10.7x15.0
Div Yield
—N/A
Momentum
20
52W High %
56%7.8
RS 6M
-3%47.3
SMA 50/200
0.79x3.6
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
-67%4.5
FUNDAMENTALS
Market Cap
$211M
P/E (Forward)
79.5x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AGRO.JK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| AGRO.JK | PT Bank Raya Indonesia Tbk(you) | $211M | 4 | Strong Sell |
| BANK.JK | PT Bank Aladin Syariah Tbk | $213M | 5 | Strong Sell |
| INPC.JK | PT Bank Artha Graha Internasional Tbk | $193M | 15 | Strong Sell |
| SDRA.JK | PT Bank Woori Saudara Indonesia 1906 Tbk | $182M | 17 | Strong Sell |
| BNBA.JK | PT Bank Bumi Arta Tbk | $159M | 20 | Strong Sell |
| BBKP.JK | PT Bank KB Indonesia Tbk | $576M | 8 | Strong Sell |
| BKSW.JK | PT Bank QNB Indonesia Tbk | $110M | 19 | Strong Sell |
| BVIC.JK | PT Bank Victoria International Tbk | $99M | 18 | Strong Sell |
| ARTO.JK | PT Bank Jago Tbk | $795M | 13 | Strong Sell |
| MAYA.JK | PT Bank Mayapada Internasional Tbk | $294M | 37 | Hold |
Peer medians: ROE 5.8% · P/E 9.1x · Gross margin 44.7%