PT Bank Victoria International Tbk (ISX:BVIC) PB Ratio: 0.35 (As of Jul. 12, 2026) — 22% Below Median


ISX:BVIC PT Bank Victoria International Tbk ISX:BVIC
53 GF Score
Price Rp81.00
GF Value Rp102.85
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is PT Bank Victoria International Tbk PB Ratio?

PT Bank Victoria International Tbk ISX:BVIC +1.25% 53 PB Ratio is 0.35 as of Jul. 12, 2026, which is 22% below its 10-year median of 0.45. GuruFocus rates ISX:BVIC with a GF Score™ of 53/100 and a GF Value™ of Rp102.85 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,520 Banks companies, PT Bank Victoria International Tbk ranks better than 94.28% on this metric.

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-12), PT Bank Victoria International Tbk's share price is Rp81.00. PT Bank Victoria International Tbk's Book Value per Share for the quarter that ended in Mar. 2026 was Rp233.30. Hence, PT Bank Victoria International Tbk's PB Ratio of today is 0.35.

Good Sign:

PT Bank Victoria International Tbk stock PB Ratio (=0.35) is close to 1-year low of 0.34.

The historical rank and industry rank for PT Bank Victoria International Tbk's PB Ratio or its related term are showing as below:

ISX:BVIC' s PB Ratio Range Over the Past 10 Years
Min: 0.16   Med: 0.45   Max: 1.04
Current: 0.35

During the past 13 years, PT Bank Victoria International Tbk's highest PB Ratio was 1.04. The lowest was 0.16. And the median was 0.45.

ISX:BVIC's PB Ratio is ranked better than
94.28% of 1520 companies
in the Banks industry
Industry Median: 1.1 vs ISX:BVIC: 0.35

During the past 12 months, PT Bank Victoria International Tbk's average Book Value Per Share Growth Rate was -7.00% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 0.50% per year. During the past 5 years, the average Book Value Per Share Growth Rate was -4.20% per year. During the past 10 years, the average Book Value Per Share Growth Rate was -3.50% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Bank Victoria International Tbk was 16.20% per year. The lowest was -11.20% per year. And the median was 3.30% per year.

Back to Basics: PB Ratio


PT Bank Victoria International Tbk  (ISX:BVIC) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


PT Bank Victoria International Tbk PB Ratio Related Terms


PT Bank Victoria International Tbk PB Ratio Historical Data

* Premium members only.

The historical data trend for PT Bank Victoria International Tbk's PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PT Bank Victoria International Tbk PB Ratio Chart

PT Bank Victoria International Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.71 0.46 0.41 0.36 0.48

PT Bank Victoria International Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.33 0.36 0.47 0.48 0.45

PT Bank Victoria International Tbk PB Ratio Competitor Comparison

For the Banks - Regional subindustry, PT Bank Victoria International Tbk's PB Ratio, along with its competitors' market caps and PB Ratio 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 Victoria International Tbk PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Victoria International Tbk's PB Ratio distribution charts can be found below:

* The bar in red indicates where PT Bank Victoria International Tbk's PB Ratio falls into.


ISX:BVIC
53GF Score
PT Bank Victoria International Tbk ISX:BVIC
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Victoria International Tbk PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

PT Bank Victoria International Tbk's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=81.00/233.304
=0.35

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 0.35 mean?
PT Bank Victoria International Tbk (ISX:BVIC) has a PB Ratio of 0.35 as of Jul. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Victoria International Tbk and its competitors. This is 22% below median its historical median of 0.45. Over the past decade, PT Bank Victoria International Tbk's PB Ratio has ranged from 0.16 to 1.04. According to the industry distribution chart, PT Bank Victoria International Tbk ranks #87 out of 1520 companies in the Banks industry, placing it in the top 5.7%.
Is PT Bank Victoria International Tbk's PB Ratio too high?
PT Bank Victoria International Tbk's current PB Ratio of 0.35 is 22% below median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 1.04. The Banks industry median PB Ratio is 1.10. PT Bank Victoria International Tbk's value of 0.35 is 68.2% below this industry median. Based on the distribution chart, PT Bank Victoria International Tbk ranks #87 out of 1520 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Victoria International Tbk has a GF Score™ of 53/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Victoria International Tbk's PB Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Victoria International Tbk ranks #87 out of 1520 companies for PB Ratio. This places PT Bank Victoria International Tbk in the top 6% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. PT Bank Victoria International Tbk's value of 0.35 is 68.2% below this benchmark. Historically, PT Bank Victoria International Tbk's own PB Ratio has ranged from 0.16 to 1.04 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 1.10, PT Bank Victoria International Tbk has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Victoria International Tbk's current PB Ratio of 0.35 is 68.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Victoria International Tbk and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Victoria International Tbk's current PB Ratio is 0.35, which is 22% below median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Victoria International Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Victoria International Tbk (ISX:BVIC) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp102.85, compared to a current price of Rp81.00 — trading 21.2% below its estimated fair value. The current PB Ratio is 0.35, which is 22% below median its 10-year median of 0.45 and 68.2% below the Banks industry median of 1.10. PT Bank Victoria International Tbk's overall GF Score™ is 53/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PT Bank Victoria International Tbk (ISX:BVIC), the current PB Ratio is 0.35 as of Jul. 12, 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 Victoria International Tbk (ISX:BVIC) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Victoria International Tbk stock appears to be undervalued. The current stock price of Rp81.00 is trading 21.2% below its estimated GF Value™ of Rp102.85. GuruFocus considers PT Bank Victoria International Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BVIC:

  • PB Ratio: 0.35 (22% below median its 10-year median of 0.45)
  • GF Value™: Rp102.85 vs. price of Rp81.00 (21.2% below fair value)
  • GF Score™: 53/100 with 2 warning signs
  • Industry Position: 68.2% below the Banks median (#87 of 1520)

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


PT Bank Victoria International Tbk Business Description

Address Jalan Gatot Subroto Kav. 23, Gedung Graha BIP, Lantai 10, Kel. Karet Semanggi, Kec. Setiabudi, Jakarta Selatan, Jakarta, IDN, 12930
PT Bank Victoria International Tbk is an Indonesian-based commercial banking firm. It provides general banking services like collecting deposits, granting loans and advances, clearing and collection services, RTGS, bill payment, investment products, and many others. The majority of the company's revenue is generated in the form of interest income. Geographically, it operates across different regions in Indonesia, such as Jadetabek, West Java, Central Java and East Java, and Non Java.
53GF Score

Get the complete analysis for ISX:BVIC

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

Rp81.00
Price
Rp102.85
GF Value