BBYB
Bank Neo Commerce Tbk.
199
09 Oct 2026
PER
4,55
PBV
0,63
ROE
13,82%
Current Ratio
—
DER
348,48%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Info Umum
Tanggal Pencatatan
—
Mata Uang
IDR
Website
https://www.yudhabhakti.co.id
Email
—
Telepon
—
Alamat
Treasury Tower - 60th Floor Jl. Jendral Sudirman Kav. 52-53 Senayan Kebayoran Baru, Jakarta Selatan
Tentang Perusahaan
PT Bank Neo Commerce Tbk provides various commercial banking products and services in Indonesia. The company offers current accounts, savings accounts, deposits, loans, and other banking products and services. As of December 31, 2021, it had 1 main branch office, 11 branch offices, and 5 sub-branch offices in Jakarta. The company was formerly known as PT Bank Yudha Bhakti Tbk and changed its name to PT Bank Neo Commerce in September 2020. PT Bank Neo Commerce Tbk was founded in 1989 and is based in Jakarta, Indonesia.
Rasio
Rasio Profitabilitas
Gross Profit Margin (TTM)
—
Operating Profit Margin (TTM)
—
Net Profit Margin (TTM)
24,58%
Management Effectiveness
ROA (TTM)
3,08%
ROE (TTM)
13,82%
Asset Turnover (TTM)
0,13x
Rasio Liquiditas & Leverage
Current Ratio
—
Quick Ratio
—
Debt to Equity Ratio (DER)
348,48%
Rasio Aktivitas
Perputaran Aset (TTM)
0,13x
Inventory Turnover (TTM)
—
Receivables Turnover (TTM)
—
Valuasi
Current Valuation
Current PE Ratio (Annual)
4,70
Current PE Ratio (TTM)
4,55
Earning Yield (Annual)
21,29%
Earning Yield (TTM)
22,00%
Earning Yield (Greenblatt: EBIT/EV)
—
Current Price to Book Value
0,63
Current Price to Sales (TTM)
1,12
Current Price to Cashflow (TTM)
1,01
EV to EBIT (TTM)
—
Fair Value (Graham Number)
559
Per Share
EPS (Annual)
42
EPS (TTM)
44
Book Value per Share
317
Revenue per Share (Annual)
188
Revenue per Share (TTM)
178
Cash Flow per Share (Annual)
325
Cash Flow per Share (TTM)
197
Ukuran Perusahaan
Market Cap
2,66 T
Enterprise Value
-377,20 M
Saham Beredar
13,35 M
Total Aset
18,97 T
Total Ekuitas
4,23 T
Free Cash Flow (Annual)
4,34 T
Growth (TTM vs Tahun Terbaru)
Revenue Growth
-5,18%
Gross Profit Growth
—
Net Income Growth
3,32%
Screening ala Graham
5 / 9
Bukan Saham Teknologi
Lulus
Termasuk Sektor Keuangan
Lulus
Revenue Lebih dari Rp175 Miliar
Lulus
Current Ratio > 2
Gagal
Utang Jangka Panjang < Modal Kerja Bersih
Gagal
PER Wajar (< 15)
Lulus
PER x PBV < 22
Lulus
DER Rendah (< 100%)
Gagal
Membagikan Dividen
Gagal
Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
5 / 9
Arus kas operasi positif
Lulus
ROA membaik
Lulus
Rasio utang jangka panjang menurun
Lulus
Kualitas laba (OCF > laba bersih)
Lulus
Laba bersih positif
Lulus
Jumlah saham tidak bertambah
Gagal
Gross margin membaik
Gagal
Current ratio membaik
Gagal
Asset turnover membaik
Gagal
Altman Z-Score
Data belum cukup untuk menghitung Altman Z-Score.
Graham Valuation
Fair Value (Graham Number)
559
Harga Saat Ini
199
Selisih
360
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Laba
Laba Naik
Laba Naik < 20%
Penjualan Turun < 20%
Hutang Turun < 20%
Pertumbuhan Rata-rata (CAGR)
Modal Naik Rata2 > 10%
Modal Naik Rata2 > 20%
Modal Naik Rata2 > 40%
Penjualan Naik Rata2 > 10%
Laba Naik Rata2 > 20%
Solvabilitas
DER < 0.5x
DER < 1x
Likuiditas
Aset Lancar > Hutang Lancar
Profitabilitas
ROE > 10%
Margin Laba Kotor > 20%
Margin Laba Kotor > 40%
Margin Laba Kotor > 60%
Margin Laba Kotor > 80%
Margin Laba Operasi > 10%
Margin Laba Operasi > 20%
Margin Laba Bersih > 10%
Margin Laba Bersih > 20%
Margin Laba Bersih > 30%
Valuasi
Nilai Buku < Harga
Laba Kotor
58,23 M
2018
0
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Laba Bersih
-136,99 M
2018
15,87 M
2020
-986,29 M
2021
-789,06 M
2022
-573,18 M
2023
19,89 M
2024
565,69 M
2025
Margin Laba Kotor
95,5%
2018
0,0%
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Margin Laba Operasi
-223,8%
2018
0,0%
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Margin Laba Bersih
-224,6%
2018
6,6%
2020
-225,2%
2021
-44,6%
2022
-17,7%
2023
0,7%
2024
22,6%
2025
Imbal Hasil Aset (ROA)
-
2018
-
2020
-
2021
-4,0%
2022
-3,2%
2023
0,1%
2024
3,0%
2025
Imbal Hasil Ekuitas (ROE)
-
2018
-
2020
-
2021
-21,1%
2022
-17,3%
2023
0,6%
2024
13,4%
2025
Current Ratio
-
2018
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Quick Ratio
-
2018
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Debt to Equity Ratio (DER)
-
2018
-
2020
-
2021
425,9%
2022
446,8%
2023
388,8%
2024
348,5%
2025
Perputaran Aset
-
2018
-
2020
-
2021
0,09x
2022
0,18x
2023
0,17x
2024
0,13x
2025
Perputaran Persediaan
-
2018
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Perputaran Piutang
-
2018
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
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 | 2.377.881.000.000 | 2.507.720.000.000 | 3.000.767.000.000 | 3.232.049.000.000 | 1.771.312.000.000 | 438.017.000.000 | 241.391.000.000 | 61.004.182.892 |
| Cost of Revenue | — | — | — | — | — | — | 0 | 2.774.600.565 |
| Gross Profit | — | — | — | — | — | — | 0 | 58.229.582.327 |
| Operating Expenses | 843.643.000.000 | 859.384.000.000 | 963.617.000.000 | 1.347.683.000.000 | 1.612.918.000.000 | 1.231.469.000.000 | 202.513.000.000 | 197.554.000.000 |
| Operating Income | — | — | — | — | — | — | 0 | -136.550.000.000 |
| EBIT | — | — | — | — | — | — | 0 | 0 |
| Income Before Tax | 582.772.000.000 | 564.175.000.000 | 18.684.000.000 | -573.872.000.000 | -785.942.000.000 | -990.420.000.000 | 15.827.358.645 | -138.325.000.000 |
| Net Income | 584.492.000.000 | 565.690.000.000 | 19.885.000.000 | -573.180.000.000 | -789.059.000.000 | -986.289.000.000 | 15.871.502.695 | -136.988.000.000 |
| Basic EPS | 43,78 | 42,37 | 1,58 | -47,61 | -83,75 | -114,07 | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 18.973.769.000.000 | 17.409.065.000.000 | 18.169.541.000.000 | 19.694.280.000.000 |
| Aset Lancar | 0 | 0 | 0 | 0 |
| Kas | 3.083.578.000.000 | 1.534.559.000.000 | 2.614.629.000.000 | 4.596.116.000.000 |
| Piutang | — | — | — | — |
| Persediaan | — | — | — | — |
| Total Liabilitas | 14.743.043.000.000 | 13.847.228.000.000 | 14.846.502.000.000 | 15.949.690.000.000 |
| Liabilitas Lancar | — | — | — | — |
| Long Term Debt | 49.729.000.000 | 80.403.000.000 | 52.821.000.000 | 50.534.000.000 |
| Total Ekuitas | 4.230.726.000.000 | 3.561.837.000.000 | 3.323.039.000.000 | 3.744.590.000.000 |
| Working Capital | — | — | — | — |
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | 2.250.478.000.000 | 4.392.183.000.000 | 120.567.000.000 | -2.173.945.000.000 | 3.137.478.000.000 | 0 |
| Kas dari Aktivitas Investasi | -977.632.000.000 | -2.805.455.000.000 | -1.424.434.000.000 | 116.583.000.000 | -2.610.747.000.000 | 0 |
| Kas dari Aktivitas Pembiayaan | -36.747.000.000 | -37.560.000.000 | 224.062.000.000 | 70.450.000.000 | 1.665.458.000.000 | 0 |
| Capital Expenditures | -57.176.000.000 | -51.998.000.000 | -26.457.000.000 | -83.961.000.000 | -246.763.000.000 | 0 |
| Arus Kas Bebas (FCF) | 2.193.302.000.000 | 4.340.185.000.000 | 94.110.000.000 | -2.257.906.000.000 | 2.890.715.000.000 | 0 |
| Dividen Dibayar | 0 | 0 | 0 | 0 | 0 | -1.532.000.000 |