PT Bank Neo Commerce Tbk (ISX:BBYB) ROE % Adjusted to Book Value: 14.76% (As of Mar. 2026)

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ISX:BBYB PT Bank Neo Commerce Tbk ISX:BBYB
79 GF Score
Price Rp232.00
GF Value Rp220.20
Valuation Fairly Valued
! 2 Warning Signs
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What is PT Bank Neo Commerce Tbk ROE % Adjusted to Book Value?

PT Bank Neo Commerce Tbk ISX:BBYB +3.57% 79 ROE % Adjusted to Book Value is 14.76% as of Mar. 2026. GuruFocus rates ISX:BBYB with a GF Score™ of 79/100 and a GF Value™ of Rp220.20 (Fairly Valued). The stock has 2 warning signs investors should review.

PT Bank Neo Commerce Tbk's ROE % for the quarter that ended in Mar. 2026 was 12.84%. PT Bank Neo Commerce Tbk's PB Ratio for the quarter that ended in Mar. 2026 was 0.87. PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 14.76%.


PT Bank Neo Commerce Tbk ROE % Adjusted to Book Value Related Terms


PT Bank Neo Commerce Tbk ROE % Adjusted to Book Value Historical Data

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The historical data trend for PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value 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 Neo Commerce Tbk ROE % Adjusted to Book Value Chart

PT Bank Neo Commerce Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -5.74 -11.49 -10.27 0.71 9.62

PT Bank Neo Commerce Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 26.58 15.82 17.51 6.44 14.76

PT Bank Neo Commerce Tbk ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 Neo Commerce Tbk ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value falls into.


ISX:BBYB
79GF Score
PT Bank Neo Commerce Tbk ISX:BBYB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Neo Commerce Tbk ROE % Adjusted to Book Value Calculation

PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.52% / 1.51
=9.62%

PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.84% / 0.87
=14.76%

* 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.

What does a ROE % Adjusted to Book Value of 14.76% mean?
PT Bank Neo Commerce Tbk (ISX:BBYB) has a ROE % Adjusted to Book Value of 14.76% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PT Bank Neo Commerce Tbk and its competitors.
Is PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value too high?
PT Bank Neo Commerce Tbk's current ROE % Adjusted to Book Value is 14.76%. Overall, PT Bank Neo Commerce Tbk has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value compare to competitors?
PT Bank Neo Commerce Tbk's ROE % Adjusted to Book Value of 14.76% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PT Bank Neo Commerce Tbk and its competitors. PT Bank Neo Commerce Tbk's current ROE % Adjusted to Book Value is 14.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Neo Commerce Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Neo Commerce Tbk (ISX:BBYB) is currently considered Fairly Valued. The stock's GF Value™ is Rp220.20, compared to a current price of Rp232.00 — trading 5.4% above its estimated fair value. The current ROE % Adjusted to Book Value is 14.76%. PT Bank Neo Commerce Tbk's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For PT Bank Neo Commerce Tbk (ISX:BBYB), the current ROE % Adjusted to Book Value is 14.76% 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 Neo Commerce Tbk (ISX:BBYB) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Neo Commerce Tbk stock appears to be overvalued. The current stock price of Rp232.00 is trading 5.4% above its estimated GF Value™ of Rp220.20. GuruFocus considers PT Bank Neo Commerce Tbk to be Fairly Valued.

Key valuation signals for ISX:BBYB:

  • ROE % Adjusted to Book Value: 14.76%
  • GF Value™: Rp220.20 vs. price of Rp232.00 (5.4% above fair value)
  • GF Score™: 79/100 with 2 warning signs

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


PT Bank Neo Commerce Tbk Business Description

Address Jalan Jend Sudirman Kav. 52-53, Treasury Tower, 60th Floor, District 8, Area Lot 28, Senayan, Kebayoran Baru, Jakarta, IDN, 12190
PT Bank Neo Commerce Tbk operates as a commercial bank. The company's products and services include current accounts, savings accounts, time deposits, and deposit on-call products and loans, such as pension, channeling, multi-purpose, vehicle, mortgage, personal, working capital, and investment loans. It offers various commercial banking products and services to individuals, corporates, and medium-sized businesses in Indonesia.
79GF Score

Get the complete analysis for ISX:BBYB

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp232.00
Price
Rp220.20
GF Value