Bank Raya Indonesia Tbk.
134
09 Oct 2026
PER
-6,37
PBV
1,10
ROE
-17,25%
Current Ratio
—
DER
334,59%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Info Umum
Tentang Perusahaan
PT Bank Raya Indonesia Tbk provides various corporate, retail, micro, and consumer banking products and services in Indonesia. It accepts current accounts, and time deposits. The company's loan products include investment, working capital, collateral cash, construction, agro mobil, permanent employee, retirement compensation, pension, agro griya, multipurpose loans, as well as KKPE, KPEN RP, and commercial KKPA program loans. It also offers saving products; provides export/import transaction, guarantee banking, LLG and RTGS transfer, clearing, credit cards, and foreign exchange transaction services, as well as domestic credit letters and save deposit boxes. In addition, the company provides mobile and Internet banking, and treasury banking services; cash management systems; and ATM cards. As of December 31, 2021, it operated through 12 branch offices and 15 sub-branch offices; and 3 cash offices. The company was formerly known as PT Bank Rakyat Indonesia Agroniaga Tbk and changed its name to PT Bank Raya Indonesia Tbk in September 2021. The company was founded in 1989 and is headquartered in Jakarta Selatan, Indonesia. PT Bank Raya Indonesia Tbk operates as a subsidiary of PT Bank Rakyat Indonesia (Persero) Tbk.
Rasio
Rasio Profitabilitas
Management Effectiveness
Rasio Liquiditas & Leverage
Rasio Aktivitas
Valuasi
Current Valuation
Per Share
Ukuran Perusahaan
Growth (TTM vs Tahun Terbaru)
Screening ala Graham
3 / 9Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
4 / 9Altman Z-Score
Data belum cukup untuk menghitung Altman Z-Score.
Graham Valuation
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Pertumbuhan Rata-rata (CAGR)
Solvabilitas
Likuiditas
Profitabilitas
Valuasi
Laba Kotor
Laba Bersih
Margin Laba Kotor
Margin Laba Operasi
Margin Laba Bersih
Imbal Hasil Aset (ROA)
Imbal Hasil Ekuitas (ROE)
Current Ratio
Quick Ratio
Debt to Equity Ratio (DER)
Perputaran Aset
Perputaran Persediaan
Perputaran Piutang
Tren historis per tahun buku berdasarkan laporan laba rugi & neraca yang tersedia. Batang berwarna merah menandakan nilai negatif.
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 944.222.737.000 | 885.444.222.000 | 1.123.056.269.000 | 918.309.535.000 | 1.295.547.349.000 | 1.031.152.486.000 | 724.541.000.000 | 560.796.000.000 |
| Cost of Revenue | — | — | — | — | — | — | 0 | 5.023.824.000 |
| Gross Profit | — | — | — | — | — | — | 0 | 555.772.000.000 |
| Operating Expenses | 722.162.670.000 | 656.579.708.000 | 625.528.696.000 | 605.030.573.000 | 600.549.690.000 | 443.886.554.000 | 357.337.000.000 | 268.983.000.000 |
| Operating Income | — | — | — | — | — | — | 0 | 291.813.000.000 |
| EBIT | — | — | — | — | — | — | 0 | 0 |
| Income Before Tax | -347.717.483.000 | -321.717.012.000 | 55.341.958.000 | 128.391.023.000 | 116.186.080.000 | -3.303.131.348.000 | 64.071.757.000 | 292.509.000.000 |
| Net Income | -519.537.384.000 | -498.612.948.000 | 50.891.770.000 | 24.351.039.000 | 11.460.505.000 | -3.045.701.407.000 | 31.260.682.000 | 204.213.000.000 |
| Basic EPS | -21,04 | -20,20 | 2,06 | 0,98 | 0,50 | -141,52 | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 13.087.107.913.000 | 13.128.920.167.000 | 12.440.642.239.000 | 13.898.775.065.000 |
| Aset Lancar | 0 | 0 | 0 | 0 |
| Kas | 1.196.447.835.000 | 1.688.317.879.000 | 1.123.984.887.000 | 2.131.068.203.000 |
| Piutang | — | — | — | — |
| Persediaan | — | — | — | — |
| Total Liabilitas | 10.075.771.939.000 | 9.675.555.640.000 | 9.020.392.264.000 | 10.509.687.783.000 |
| Liabilitas Lancar | — | — | — | — |
| Long Term Debt | 39.948.853.000 | 53.492.163.000 | 90.776.865.000 | 110.526.042.000 |
| Total Ekuitas | 3.011.335.974.000 | 3.453.364.527.000 | 3.420.249.975.000 | 3.389.087.282.000 |
| Working Capital | — | — | — | — |
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | -1.018.152.628.000 | 391.046.020.000 | 497.246.577.000 | -884.956.858.000 | 95.167.942.000 | 0 |
| Kas dari Aktivitas Investasi | -412.031.427.000 | -559.722.684.000 | -179.579.487.000 | 157.622.090.000 | -1.126.092.855.000 | 0 |
| Kas dari Aktivitas Pembiayaan | 943.551.433.000 | -323.211.500.000 | 245.303.231.000 | -279.851.399.000 | 1.021.030.897.000 | 0 |
| Capital Expenditures | -58.451.686.000 | -69.917.300.000 | -55.392.865.000 | -37.751.709.000 | -130.221.285.000 | 0 |
| Arus Kas Bebas (FCF) | -1.076.604.314.000 | 321.128.720.000 | 441.853.712.000 | -922.708.567.000 | -35.053.343.000 | 0 |
| Dividen Dibayar | — | — | — | — | — | — |