PT Bank Central Asia TbkPBCRF 57 ROA % is 3.62% as of Mar. 2026, which is 10% above its 10-year median of 3.28. GuruFocus rates PBCRF with a GF Score™ of 57/100 and a GF Value™ of $0.64 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,528 Banks companies, PT Bank Central Asia Tbk ranks better than 96.47% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PT Bank Central Asia Tbk's annualizedNet Income for the quarter that ended in Mar. 2026 was $3,470 Mil.
PT Bank Central Asia Tbk's average Total Assets over the quarter that ended in Mar. 2026 was $95,951 Mil. Therefore, PT Bank Central Asia Tbk's annualized ROA % for the quarter that ended in Mar. 2026 was 3.62%.
The historical rank and industry rank for PT Bank Central Asia Tbk's ROA % or its related term are showing as below:
PBCRF'
s ROA % Range Over the Past 10 Years
Min: 2.72 Med: 3.28 Max: 3.84
Current: 3.72
During the past 13 years, PT Bank Central Asia Tbk's highest ROA % was 3.84%. The lowest was 2.72%. And the median was 3.28%.
PBCRF's ROA % is ranked better than 96.47% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs PBCRF: 3.72
PT Bank Central Asia Tbk (OTCPK:PBCRF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Central Asia Tbk's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Central Asia Tbk's ROA % distribution charts can be found below:
* The bar in red indicates where PT Bank Central Asia Tbk's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
PT Bank Central Asia Tbk (PBCRF) has a ROA % of 3.62% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Bank Central Asia Tbk and its competitors. This is 10% above median its historical median of 3.28. Over the past decade, PT Bank Central Asia Tbk's ROA % has ranged from 2.72 to 3.84. According to the industry distribution chart, PT Bank Central Asia Tbk ranks #54 out of 1528 companies in the Banks industry, placing it in the top 3.5%.
Is PT Bank Central Asia Tbk's ROA % too high?
PT Bank Central Asia Tbk's current ROA % of 3.62% is 10% above median its 10-year median of 3.28. Over the past 10 years, this metric has ranged from a low of 2.72 to a high of 3.84. The Banks industry median ROA % is 0.98. PT Bank Central Asia Tbk's value of 3.62% is 269.4% above this industry median. Based on the distribution chart, PT Bank Central Asia Tbk ranks #54 out of 1528 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 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Central Asia Tbk's ROA % compare to competitors?
According to the Banks industry distribution chart, PT Bank Central Asia Tbk ranks #54 out of 1528 companies for ROA %. This places PT Bank Central Asia Tbk in the top 4% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. PT Bank Central Asia Tbk's value of 3.62% is 269.4% above this benchmark. Historically, PT Bank Central Asia Tbk's own ROA % has ranged from 2.72 to 3.84 over the past decade. While the company's 10-year median is 3.28 vs. the industry median of 0.98, PT Bank Central Asia Tbk has consistently been above 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Central Asia Tbk's current ROA % of 3.62% is 269.4% above 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Bank Central Asia Tbk and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Central Asia Tbk's current ROA % is 3.62%, which is 10% above median its own 10-year median of 3.28. 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 $0.64, compared to a current price of $0.35 — trading 45.5% below its estimated fair value. The current ROA % is 3.62%, which is 10% above median its 10-year median of 3.28 and 269.4% above the Banks industry median of 0.98. PT Bank Central Asia Tbk's overall GF Score™ is 57/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For PT Bank Central Asia Tbk (PBCRF), the current ROA % is 3.62% as of Mar. 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 $0.35 is trading 45.5% below its estimated GF Value™ of $0.64.
GuruFocus considers PT Bank Central Asia Tbk to be Significantly Undervalued.
Key valuation signals for PBCRF:
ROA %: 3.62% (10% above median its 10-year median of 3.28)
GF Value™: $0.64 vs. price of $0.35 (45.5% below fair value)
Industry Position: 269.4% above the Banks median (#54 of 1528)
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.
57GF Score
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