PBCRY (PT Bank Central Asia Tbk) Moat Score: 7/10 (As of Jun. 28, 2026)


PBCRY PT Bank Central Asia Tbk PBCRY
71 GF Score
Price $8.57
GF Value $14.70
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is PT Bank Central Asia Tbk Moat Score?

PT Bank Central Asia Tbk PBCRY +2.27% 71 Moat Score is 7 as of Jun. 28, 2026. GuruFocus rates PBCRY with a GF Score™ of 71/100 and a GF Value™ of $14.70 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,614 Banks companies, PT Bank Central Asia Tbk ranks better than 99.44% on this metric.

PT Bank Central Asia Tbk has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

PT Bank Central Asia Tbk has Wide Moat: PBCRF benefits from a dominant market position in Indonesia, strong brand recognition, and customer loyalty. It has significant cost advantages due to economies of scale and a robust distribution network. The bank's regulatory environment and established customer base create high switching costs, supporting its durable competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PT Bank Central Asia Tbk might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

PT Bank Central Asia Tbk  (OTCPK:PBCRY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PT Bank Central Asia Tbk Moat Score Related Terms

PT Bank Central Asia Tbk Moat Score Competitor Comparison

For the Banks - Regional subindustry, PT Bank Central Asia Tbk's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

PT Bank Central Asia Tbk Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Central Asia Tbk's Moat Score distribution charts can be found below:

* The bar in red indicates where PT Bank Central Asia Tbk's Moat Score falls into.


PBCRY
71GF Score
PT Bank Central Asia Tbk PBCRY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
PT Bank Central Asia Tbk (PBCRY) has a Moat Score of 7 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, PT Bank Central Asia Tbk ranks #9 out of 1614 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is PT Bank Central Asia Tbk's Moat Score too high?
PT Bank Central Asia Tbk's current Moat Score is 7. Based on the distribution chart, PT Bank Central Asia Tbk ranks #9 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Central Asia Tbk has a GF Score™ of 71/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Central Asia Tbk's Moat Score compare to competitors?
According to the Banks industry distribution chart, PT Bank Central Asia Tbk ranks #9 out of 1614 companies for Moat Score. This places PT Bank Central Asia Tbk in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. PT Bank Central Asia Tbk's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Central Asia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Central Asia Tbk (PBCRY) is currently considered Significantly Undervalued. The stock's GF Value™ is $14.70, compared to a current price of $8.57 — trading 41.7% below its estimated fair value. The current Moat Score is 7. PT Bank Central Asia Tbk's overall GF Score™ is 71/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For PT Bank Central Asia Tbk (PBCRY), the current Moat Score is 7 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is PT Bank Central Asia Tbk (PBCRY) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Central Asia Tbk stock appears to be undervalued. The current stock price of $8.57 is trading 41.7% below its estimated GF Value™ of $14.70. GuruFocus considers PT Bank Central Asia Tbk to be Significantly Undervalued.

Key valuation signals for PBCRY:

  • Moat Score: 7
  • GF Value™: $14.70 vs. price of $8.57 (41.7% below fair value)
  • GF Score™: 71/100 with 2 warning signs

No single metric tells the full story. See the PBCRY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Bank Central Asia Tbk Business Description

Address Jalan. M.H. Thamrin No. 1, Menara BCA, 20th Floor, Grand Indonesia, Jakarta, IDN, 10310
PT Bank Central Asia Tbk is an Indonesia-based banking service provider operating as a Sharia bank. The bank provides various financial solutions to its customers through its inter-branch links, ATM network, and electronic banking services. It offers loans, deposit accounts, mutual fund investments, fixed income products, and credit facilities, among other banking products and services. Its segments are Loans, which derives maximum revenue, Treasury, and Others. The customer base mainly includes individuals, small and medium businesses, and corporations. Its business segment is classified into five geographic areas, which are Sumatera, Java, Kalimantan, East Indonesia, and overseas operations.
71GF Score

Get the complete analysis for PBCRY

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.57
Price
$14.70
GF Value