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PT Bank Central Asia Tbk has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate PT Bank Central Asia Tbk's interest coverage with the available data.
PT Bank Central Asia Tbk's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.02.
Altman Z-Score does not apply to banks and insurance companies.
PT Bank Central Asia Tbk (OTCPK:PBCRF) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
PT Bank Central Asia Tbk has the Financial Strength Rank of 5.
PT Bank Central Asia Tbk Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. PT Bank Central Asia Tbk has enough cash to cover all of its debt. Its financial situation is stable.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Central Asia Tbk (PBCRF) has a Financial Strength of 5 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on PT Bank Central Asia Tbk and its competitors. This is 17% below median its historical median of 6.00. Over the past decade, PT Bank Central Asia Tbk's Financial Strength has ranged from 5.00 to 7.00.
Is PT Bank Central Asia Tbk's Financial Strength too high?
PT Bank Central Asia Tbk's current Financial Strength of 5 is 17% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 7.00. Overall, PT Bank Central Asia Tbk has a GF Score™ of 55/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Central Asia Tbk's Financial Strength compare to competitors?
PT Bank Central Asia Tbk's Financial Strength of 5 can be compared against companies in the Banks industry. Historically, PT Bank Central Asia Tbk's own Financial Strength has ranged from 5.00 to 7.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on PT Bank Central Asia Tbk and its competitors. PT Bank Central Asia Tbk's current Financial Strength is 5, which is 17% below median its own 10-year median of 6.00. 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 (PBCRF) is currently considered Significantly Undervalued. The stock's GF Value™ is $0.56, compared to a current price of $0.36 — trading 35.9% below its estimated fair value. The current Financial Strength is 5, which is 17% below median its 10-year median of 6.00. PT Bank Central Asia Tbk's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For PT Bank Central Asia Tbk (PBCRF), the current Financial Strength is 5 as of Jun. 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 (PBCRF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Central Asia Tbk stock appears to be undervalued.
The current stock price of $0.36 is trading 35.9% below its estimated GF Value™ of $0.56.
GuruFocus considers PT Bank Central Asia Tbk to be Significantly Undervalued.
Key valuation signals for PBCRF:
Financial Strength: 5 (17% below median its 10-year median of 6.00)
GF Value™: $0.56 vs. price of $0.36 (35.9% below fair value)
No single metric tells the full story. See the PBCRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
55GF Score
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