The historical rank and industry rank for PT Bank Capital Indonesia Tbk's ROE % or its related term are showing as below:
ISX:BACA'
s ROE % Range Over the Past 10 Years
Min: 1.05 Med: 2.62 Max: 7.89
Current: 1.96
During the past 13 years, PT Bank Capital Indonesia Tbk's highest ROE % was 7.89%. The lowest was 1.05%. And the median was 2.62%.
ISX:BACA's ROE % is ranked worse than 91.93% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs ISX:BACA: 1.96
PT Bank Capital Indonesia Tbk (ISX:BACA) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
PT Bank Capital Indonesia Tbk ROE % Related Terms
PT Bank Capital Indonesia Tbk ROE % Historical 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.
PT Bank Capital Indonesia Tbk ROE % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Capital Indonesia Tbk's ROE %, along with its competitors' market caps and ROE % 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 Capital Indonesia Tbk ROE % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Capital Indonesia Tbk's ROE % distribution charts can be found below:
* The bar in red indicates where PT Bank Capital Indonesia Tbk's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
PT Bank Capital Indonesia Tbk (ISX:BACA) has a ROE % of 1.49% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT Bank Capital Indonesia Tbk and its competitors. This is 43% below median its historical median of 2.62. Over the past decade, PT Bank Capital Indonesia Tbk's ROE % has ranged from 1.05 to 7.89. According to the industry distribution chart, PT Bank Capital Indonesia Tbk ranks #1401 out of 1524 companies in the Banks industry, placing it in the top 91.9%.
Is PT Bank Capital Indonesia Tbk's ROE % too high?
PT Bank Capital Indonesia Tbk's current ROE % of 1.49% is 43% below median its 10-year median of 2.62. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 7.89. The Banks industry median ROE % is 10.22. PT Bank Capital Indonesia Tbk's value of 1.49% is 85.4% below this industry median. Based on the distribution chart, PT Bank Capital Indonesia Tbk ranks #1401 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Capital Indonesia Tbk has a GF Score™ of 54/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Capital Indonesia Tbk's ROE % compare to competitors?
According to the Banks industry distribution chart, PT Bank Capital Indonesia Tbk ranks #1401 out of 1524 companies for ROE %. This places PT Bank Capital Indonesia Tbk in the lower half of its industry. The industry median ROE % is 10.22. PT Bank Capital Indonesia Tbk's value of 1.49% is 85.4% below this benchmark. Historically, PT Bank Capital Indonesia Tbk's own ROE % has ranged from 1.05 to 7.89 over the past decade. While the company's 10-year median is 2.62 vs. the industry median of 10.22, PT Bank Capital Indonesia 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Capital Indonesia Tbk's current ROE % of 1.49% is 85.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT Bank Capital Indonesia Tbk and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Capital Indonesia Tbk's current ROE % is 1.49%, which is 43% below median its own 10-year median of 2.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Capital Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Capital Indonesia Tbk (ISX:BACA) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp193.20, compared to a current price of Rp105.00 — trading 45.7% below its estimated fair value. The current ROE % is 1.49%, which is 43% below median its 10-year median of 2.62 and 85.4% below the Banks industry median of 10.22. PT Bank Capital Indonesia Tbk's overall GF Score™ is 54/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For PT Bank Capital Indonesia Tbk (ISX:BACA), the current ROE % is 1.49% 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 Capital Indonesia Tbk (ISX:BACA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Capital Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp105.00 is trading 45.7% below its estimated GF Value™ of Rp193.20.
GuruFocus considers PT Bank Capital Indonesia Tbk to be Significantly Undervalued.
Key valuation signals for ISX:BACA:
ROE %: 1.49% (43% below median its 10-year median of 2.62)
GF Value™: Rp193.20 vs. price of Rp105.00 (45.7% below fair value)
Industry Position: 85.4% below the Banks median (#1401 of 1524)
No single metric tells the full story. See the ISX:BACA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Capital Indonesia Tbk Business Description
PT Bank Capital Indonesia Tbk is an Indonesia-based financial institution that provides commercial banking services. It provides services such as mortgage financing, car financing, multi-purpose financing, overdraft facility, demand Loan, money market line, term loans, and bank guarantees. It also provides services like safe deposit boxes, online transfers, clearing, foreign exchange services, export, import, remittance, payroll services, a facility, a security agency, pick-up service, and credit card payment. Geographically, the group operates in Indonesia within the segments of Jakarta, Solo, Bandung, Surabaya, Kupang, Semarang, and Medan.
54GF Score
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