Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BBYB.JK
BuyUnloved QualityPT Bank Neo Commerce Tbk · Financial Services · Indonesia · $199M · Avg Vol: $551K/d
73
StockRankGet insider-trade alerts
Q
69
V
71
M
28
P/E (TTM)
5.9x
ROE
14.1%
D/E
0.0x
Dividend %
—
COMPANY DESCRIPTION
PT Bank Neo Commerce Tbk provides digital banking products and services in Indonesia. The company offers individual banking services, including personal and business accounts; regular, NOW, Neo wish, and Neo business savings; WOW and FLEXI time deposits; Neo and micro business loans; transaction...
FINANCIAL SUMMARY (IDR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.8T | 3.2T | 3.0T | 2.5T | 12.3% | 1.4T | 2.7T | 3.0T | 9.3% |
| EPS (IDR) | -83.75 | -47.61 | 1.58 | 42.37 | 2581.6% | 43.86 | 43.93 | 66.67 | 25.4% |
| Shares | 12.0B | 12.0B | 13.4B | 13.4B | +10.9% | 13.4B | — | — | — |
| Debt | 50.5B | 52.8B | 80.4B | 49.7B | -0.5% | 206.7B | — | — | — |
| Equity | 3.7T | 3.3T | 3.6T | 4.2T | 4.2% | — | — | — | — |
| Op CF | 3.1T | -2.2T | 120.6B | 4.4T | 11.9% | 3.3T | — | — | — |
| Inv CF | -2.6T | 116.6B | -1.4T | -2.8T | — | — | — | — | — |
| Fin CF | 1.7T | 70.5B | 224.1B | -37.6B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+9.5%
SMA 50SMA 200
Close
$0.0145
RSI (14)
50.0
52W High
$0.0351
From 52W High
0.4%
SCORE BREAKDOWN
Quality
69
ROIC (ROA)
3.3%*66.4
ROE
14.1%71.1
GP/Assets
7.6%N/A
Op. Margin
44.3%63.1
FCF/Assets
22.9%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.01xN/A
Current Ratio
bankN/A
Value
71
P/E (TTM)
5.9x87.6
EV/EBITDA
bankN/A
P/FCF
0.8xN/A
P/B
0.8x80.8
P/S
2.4x69.6
Div Yield
—N/A
Momentum
28
52W High %
41%3.8
RS 6M
-5%43.3
SMA 50/200
0.76x2.9
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
36%66.0
FUNDAMENTALS
Market Cap
$199M
P/E (Forward)
3.9x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BBYB.JK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BBYB.JK | PT Bank Neo Commerce Tbk(you) | $199M | 73 | Buy |
| NOBU.JK | PT Bank Nationalnobu Tbk | $234M | 83 | Strong Buy |
| MCOR.JK | PT Bank China Construction Bank Indonesia Tbk | $151M | 61 | Hold |
| DNAR.JK | PT Bank Oke Indonesia Tbk | $132M | 60 | Hold |
| PNLF.JK | PT Panin Financial Tbk | $415M | 66 | Buy |
| BGTG.JK | PT Bank Ganesha Tbk | $163M | 50 | Hold |
| BTPS.JK | PT Bank BTPN Syariah Tbk | $457M | 88 | Strong Buy |
| AGRS.JK | PT Bank IBK Indonesia Tbk | $168M | 42 | Hold |
| BJTM.JK | PT Bank Pembangunan Daerah Jawa Timur Tbk | $452M | 94 | Strong Buy |
| BNII.JK | PT Bank Maybank Indonesia Tbk | $835M | 84 | Strong Buy |
Peer medians: ROE 5.5% · P/E 9.4x · Gross margin 44.7%