PT Bank Financials

BYRA Stock

EUR 0.19 0.01 5.00%

We recommend to use PT Bank Rakyat fundamental analysis to find out if markets are at this time mispricing the firm. Strictly speaking you can utilize it to find out if PT Bank Rakyat is indeed mispriced or if you can make any profits on it by purchasing it and then waiting for the market to recognize its mistake and reprise the security. We were able to interpolate data for twenty-nine available financial indicators for PT Bank, which can be compared to its peers in the sector. The stock experiences a very speculative upward sentiment. Check odds of PT Bank to be traded at €0.1805 in 90 days.

Covid

Interest Hikes

PT Bank Balance Sheet Chart

At this time, PT Bank's Other Current Assets are most likely to increase significantly in the upcoming years. The PT Bank's current Deferred Long Term Liabilities is estimated to increase to about 5.8 T, while Other Current Liabilities is projected to decrease to roughly 22.2 T.

Total Assets Other Current Liab Total Current Liabilities Total Stockholder Equity

Key indicators impacting PT Bank's financial strength include:

Current Value

Last Year

Change From Last Year

10 Year Trend

Operating Income

35.1 T

42.2 T

Significantly Down

Slightly volatile

Understanding current and past PT Bank Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of PT Bank's financial statements are interrelated, with each one affecting the others. For example, an increase in PT Bank's assets may result in an increase in income on the income statement.

PT Bank Stock Summary

PT Bank competes with Canon Marketing, FAST RETAIL, Indutrade, CANON MARKETING, and Tradeweb Markets. PT Bank Rakyat Indonesia Tbk provides various banking products and services in Indonesia, Asia, and the United States. PT Bank Rakyat Indonesia Tbk was founded in 1968 and is headquartered in Jakarta, Indonesia. PT BANK operates under Banks - Regional - Asia classification in Germany and is traded on Frankfurt Stock Exchange. It employs 61010 people.

Specialization	Financial Services, Banks - Regional
Instrument	Germany Stock View All
Exchange	Frankfurt Exchange
ISIN	ID1000118201
Business Address	Gedung BRI, Jakarta,
Sector	Banks
Industry	Financials
Benchmark	Dow Jones Industrial
Website	bri.co.id
Phone	62 21 251 0244
Currency	EUR - Euro

You should never invest in PT Bank without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of BYRA Stock, because this is throwing your money away. Analyzing the key information contained in PT Bank's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

PT Bank Key Financial Ratios

There are many critical financial ratios that PT Bank's investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that PT Bank Rakyat reports annually and quarterly.

	Revenue	174.33 T
	Gross Profit	134.1 T
	Net Income	60.15 T
	Total Asset	1992.98 T
	Retained Earnings	215.07 T

More Fundamentals

PT Bank Key Balance Sheet Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	1.678097734E15	1.86563901E15	1.96500703E15	1.992983447E15	2.29193096405E15	1.553749235100001E15
Other Current Liab	17.2T	24.4T	33.5T	35.9T	41.3T	22.2T
Other Liab	48.1T	66.2T	37.2T	42.4T	48.8T	34.0T
Net Tangible Assets	206.3T	226.9T	288.7T	299.3T	344.2T	211.3T
Retained Earnings	185.0T	201.2T	210.7T	215.1T	247.3T	178.8T
Accounts Payable	1.148312518E15	1.313207596E15	2.2T	2.1T	1.9T	1.8T
Cash	155.6T	268.4T	225.0T	198.3T	228.0T	197.0T
Other Assets	915.3T	1.00053682E15	1.010193378E15	1.114475056E15	1.2816463144E15	901.4T
Net Receivables	3.9T	8.2T	7.0T	14.3T	16.5T	17.3T
Inventory	65.1B	67.2B	63.9B	67.6B	60.8B	109.1B
Other Current Assets	85.7T	64.9T	74.5T	167.0T	192.0T	201.6T
Total Liab	1.38631093E15	1.562243693E15	1.648534888E15	1.6697944E15	1.92026356E15	1.3183684901E15
Total Current Assets	283.5T	248.0T	241.4T	357.7T	411.3T	269.6T
Intangible Assets	30.0T	33.4T	33.3T	32.9T	37.8T	27.1T
Net Invested Capital	413.1T	442.9T	460.6T	478.4T	550.1T	388.5T

PT Bank Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.

	2021	2022	2023	2024	2025	2026 (projected)
Interest Expense	28.1T	26.3T	42.7T	56.2T	64.6T	67.9T
Total Revenue	153.8T	169.0T	166.5T	174.3T	200.5T	126.3T
Income Before Tax	41.0T	64.6T	76.4T	77.6T	89.2T	50.6T
Net Income	31.1T	51.2T	60.1T	60.2T	69.2T	39.3T
Income Tax Expense	9.0T	9.0T	7.8T	13.2T	15.2T	9.5T
Minority Interest	310.8B	(237.9B)	(325.2B)	(488.9B)	(440.0B)	(418.0B)
Tax Provision	7.8T	13.2T	16.0T	17.0T	19.5T	11.7T
Net Interest Income	113.0T	115.5T	125.6T	129.1T	148.4T	104.2T
Interest Income	141.2T	141.8T	168.3T	185.3T	213.1T	142.8T

PT Bank Key Cash Accounts

Cash flow analysis captures how much money flows into and out of PT Bank Rakyat. It measures of how well BYRA is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money PT Bank brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money BYRA had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what PT Bank has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (capital allocation) and investing in non-business activities like paying off debt or making acquisitions.

	2021	2022	2023	2024	2025	2026 (projected)
Investments	(64.9T)	37.3T	9.0T	9.9T	11.4T	11.9T
Change In Cash	(17.9T)	114.3T	(4.7T)	(13.4T)	(12.0T)	(11.4T)
Net Borrowings	(6.3T)	18.2T	5.3T	11.5T	10.4T	8.9T
Depreciation	1.7T	5.4T	2.8T	3.6T	4.2T	2.5T
Dividends Paid	12.1T	26.4T	43.5T	(48.1T)	(43.3T)	(41.1T)
Capital Expenditures	8.3T	10.5T	9.6T	10.3T	11.9T	6.0T
Net Income	31.1T	51.2T	60.1T	60.2T	69.2T	39.3T
Change To Netincome	19.3T	36.4T	38.3T	14.1T	16.3T	20.8T
End Period Cash Flow	153.9T	268.2T	156.5T	205.3T	184.8T	158.2T
Free Cash Flow	24.3T	87.0T	18.7T	13.9T	12.6T	11.9T

BYRA Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining PT Bank's current stock value. Our valuation model uses many indicators to compare PT Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across PT Bank competition to find correlations between indicators driving PT Bank's intrinsic value. More Info.

PT Bank Rakyat is number one stock in return on equity category among its peers. It also is number one stock in return on asset category among its peers reporting about 0.16 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for PT Bank Rakyat is roughly 6.12 . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the PT Bank's earnings, one of the primary drivers of an investment's value.

PT Bank Rakyat Total Assets Over Time

Most indicators from PT Bank's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into PT Bank Rakyat current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in PT Bank Rakyat. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation.

The current Selling General Administrative is estimated to decrease to about 18.5 T. The current Tax Provision is estimated to decrease to about 11.7 T

	2025	2026 (projected)
Gross Profit	92.7T	73.4T
Total Revenue	200.5T	126.3T

Gross Profit Total Revenue

PT Bank fundamental ratios Correlations

	Total Assets	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Other Liab	Net Tangible Assets	Retained Earnings	Accounts Payable	Cash	Other Assets	Long Term Debt	Net Receivables	Short Term Investments	Inventory	Other Current Assets	Other Stockholder Equity	Total Liab	Deferred Long Term Liab	Long Term Investments	Short Long Term Debt	Total Current Assets	Short Term Debt	Common Stock	Property Plant Equipment	Intangible Assets	Common Stock Shares Outstanding
Total Assets		0.95	1.0	0.99	0.84	0.99	0.98	-0.3	0.83	0.99	0.86	0.9	-0.19	-0.04	0.83	0.61	1.0	0.93	0.95	0.92	0.9	0.92	0.89	0.98	0.96	0.88
Other Current Liab	0.95		0.96	0.96	0.74	0.96	0.9	-0.27	0.73	0.93	0.73	0.83	-0.02	-0.21	0.77	0.49	0.95	0.91	0.91	0.86	0.9	0.86	0.93	0.94	0.97	0.91
Total Current Liabilities	1.0	0.96		0.98	0.86	0.99	0.98	-0.23	0.83	0.99	0.87	0.88	-0.17	-0.05	0.79	0.65	1.0	0.92	0.96	0.94	0.9	0.94	0.87	0.99	0.95	0.85
Total Stockholder Equity	0.99	0.96	0.98		0.79	0.99	0.98	-0.28	0.82	0.98	0.86	0.89	-0.21	-0.01	0.82	0.56	0.99	0.92	0.95	0.91	0.88	0.91	0.91	0.98	0.97	0.9
Other Liab	0.84	0.74	0.86	0.79		0.83	0.86	0.03	0.75	0.9	0.88	0.69	-0.23	0.0	0.54	0.86	0.85	0.77	0.87	0.95	0.66	0.95	0.53	0.85	0.69	0.52
Net Tangible Assets	0.99	0.96	0.99	0.99	0.83		0.98	-0.19	0.82	0.99	0.88	0.86	-0.2	-0.01	0.77	0.63	0.99	0.91	0.97	0.94	0.86	0.94	0.88	0.99	0.95	0.86
Retained Earnings	0.98	0.9	0.98	0.98	0.86	0.98		-0.24	0.86	0.99	0.92	0.88	-0.3	0.09	0.8	0.64	0.98	0.9	0.94	0.94	0.86	0.94	0.82	0.97	0.91	0.82
Accounts Payable	-0.3	-0.27	-0.23	-0.28	0.03	-0.19	-0.24		-0.09	-0.18	0.0	-0.46	-0.01	0.17	-0.59	0.17	-0.3	-0.35	-0.11	-0.01	-0.42	-0.01	-0.44	-0.18	-0.36	-0.47
Cash	0.83	0.73	0.83	0.82	0.75	0.82	0.86	-0.09		0.85	0.79	0.76	-0.23	0.08	0.76	0.48	0.83	0.76	0.73	0.82	0.83	0.82	0.65	0.82	0.77	0.65
Other Assets	0.99	0.93	0.99	0.98	0.9	0.99	0.99	-0.18	0.85		0.91	0.87	-0.25	0.02	0.77	0.69	0.99	0.91	0.97	0.96	0.86	0.96	0.82	0.99	0.92	0.81
Long Term Debt	0.86	0.73	0.87	0.86	0.88	0.88	0.92	0.0	0.79	0.91		0.72	-0.55	0.32	0.59	0.74	0.86	0.75	0.89	0.91	0.63	0.91	0.61	0.89	0.71	0.6
Net Receivables	0.9	0.83	0.88	0.89	0.69	0.86	0.88	-0.46	0.76	0.87	0.72		-0.24	0.04	0.94	0.53	0.9	0.94	0.85	0.72	0.83	0.72	0.83	0.86	0.89	0.86
Short Term Investments	-0.19	-0.02	-0.17	-0.21	-0.23	-0.2	-0.3	-0.01	-0.23	-0.25	-0.55	-0.24		-0.64	-0.2	-0.27	-0.19	-0.16	-0.25	-0.2	0.07	-0.2	-0.05	-0.23	-0.06	-0.08
Inventory	-0.04	-0.21	-0.05	-0.01	0.0	-0.01	0.09	0.17	0.08	0.02	0.32	0.04	-0.64		-0.09	0.2	-0.04	-0.16	0.03	-0.03	-0.2	-0.03	-0.2	0.04	-0.22	-0.19
Other Current Assets	0.83	0.77	0.79	0.82	0.54	0.77	0.8	-0.59	0.76	0.77	0.59	0.94	-0.2	-0.09		0.28	0.83	0.89	0.7	0.61	0.85	0.61	0.83	0.75	0.86	0.87
Other Stockholder Equity	0.61	0.49	0.65	0.56	0.86	0.63	0.64	0.17	0.48	0.69	0.74	0.53	-0.27	0.2	0.28		0.62	0.55	0.74	0.72	0.36	0.72	0.28	0.68	0.44	0.28
Total Liab	1.0	0.95	1.0	0.99	0.85	0.99	0.98	-0.3	0.83	0.99	0.86	0.9	-0.19	-0.04	0.83	0.62		0.93	0.95	0.93	0.91	0.93	0.88	0.98	0.96	0.87
Deferred Long Term Liab	0.93	0.91	0.92	0.92	0.77	0.91	0.9	-0.35	0.76	0.91	0.75	0.94	-0.16	-0.16	0.89	0.55	0.93		0.9	0.82	0.82	0.82	0.87	0.89	0.94	0.9
Long Term Investments	0.95	0.91	0.96	0.95	0.87	0.97	0.94	-0.11	0.73	0.97	0.89	0.85	-0.25	0.03	0.7	0.74	0.95	0.9		0.92	0.75	0.92	0.81	0.97	0.9	0.8
Short Long Term Debt	0.92	0.86	0.94	0.91	0.95	0.94	0.94	-0.01	0.82	0.96	0.91	0.72	-0.2	-0.03	0.61	0.72	0.93	0.82	0.92		0.78	1.0	0.7	0.93	0.83	0.67
Total Current Assets	0.9	0.9	0.9	0.88	0.66	0.86	0.86	-0.42	0.83	0.86	0.63	0.83	0.07	-0.2	0.85	0.36	0.91	0.82	0.75	0.78		0.78	0.86	0.86	0.91	0.84
Short Term Debt	0.92	0.86	0.94	0.91	0.95	0.94	0.94	-0.01	0.82	0.96	0.91	0.72	-0.2	-0.03	0.61	0.72	0.93	0.82	0.92	1.0	0.78		0.7	0.93	0.83	0.67
Common Stock	0.89	0.93	0.87	0.91	0.53	0.88	0.82	-0.44	0.65	0.82	0.61	0.83	-0.05	-0.2	0.83	0.28	0.88	0.87	0.81	0.7	0.86	0.7		0.84	0.96	0.99
Property Plant Equipment	0.98	0.94	0.99	0.98	0.85	0.99	0.97	-0.18	0.82	0.99	0.89	0.86	-0.23	0.04	0.75	0.68	0.98	0.89	0.97	0.93	0.86	0.93	0.84		0.93	0.83
Intangible Assets	0.96	0.97	0.95	0.97	0.69	0.95	0.91	-0.36	0.77	0.92	0.71	0.89	-0.06	-0.22	0.86	0.44	0.96	0.94	0.9	0.83	0.91	0.83	0.96	0.93		0.95
Common Stock Shares Outstanding	0.88	0.91	0.85	0.9	0.52	0.86	0.82	-0.47	0.65	0.81	0.6	0.86	-0.08	-0.19	0.87	0.28	0.87	0.9	0.8	0.67	0.84	0.67	0.99	0.83	0.95

Click cells to compare fundamentals

PT Bank Account Relationship Matchups

PT Bank fundamental ratios Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	1.678097734E15	1.86563901E15	1.96500703E15	1.992983447E15	2.29193096405E15	1.553749235100001E15
Other Current Liab	17.2T	24.4T	33.5T	35.9T	41.3T	22.2T
Other Liab	48.1T	66.2T	37.2T	42.4T	48.8T	34.0T
Net Tangible Assets	206.3T	226.9T	288.7T	299.3T	344.2T	211.3T
Retained Earnings	185.0T	201.2T	210.7T	215.1T	247.3T	178.8T
Accounts Payable	1.148312518E15	1.313207596E15	2.2T	2.1T	1.9T	1.8T
Cash	155.6T	268.4T	225.0T	198.3T	228.0T	197.0T
Other Assets	915.3T	1.00053682E15	1.010193378E15	1.114475056E15	1.2816463144E15	901.4T
Net Receivables	3.9T	8.2T	7.0T	14.3T	16.5T	17.3T
Inventory	65.1B	67.2B	63.9B	67.6B	60.8B	109.1B
Other Current Assets	85.7T	64.9T	74.5T	167.0T	192.0T	201.6T
Total Liab	1.38631093E15	1.562243693E15	1.648534888E15	1.6697944E15	1.92026356E15	1.3183684901E15
Total Current Assets	283.5T	248.0T	241.4T	357.7T	411.3T	269.6T
Intangible Assets	30.0T	33.4T	33.3T	32.9T	37.8T	27.1T
Net Invested Capital	413.1T	442.9T	460.6T	478.4T	550.1T	388.5T

PT Bank February 14, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of PT Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of PT Bank Rakyat. We use our internally-developed statistical techniques to arrive at the intrinsic value of PT Bank Rakyat based on widely used predictive technical indicators. In general, we focus on analyzing BYRA Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build PT Bank's daily price indicators and compare them against related drivers.

	Downside Deviation	7.46
	Information Ratio	0.0048
	Maximum Drawdown	26.67
	Value At Risk	(10.00)
	Potential Upside	11.11

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