AI Analysis

How does BCIC.JK make money? Does BCIC.JK have pricing power? What's the Earnings Whisper? Will BCIC.JK profit more as the business scales? What is BCIC.JK's management track record? Is BCIC.JK's current price justified?

PT Bank JTrust Indonesia Tbk

IDR 131 -$28.00 (-17.61%)

JKT · 16 Sep 2026 08:23 UTC

Previous Close

IDR 128

Day Range

IDR 128IDR 139

Year Range

IDR 78IDR 242

Market Cap

2.37T

AVG Volume

6.12M

Trailing/Forward PE

-5.15/-

PEG ratio

-0.01

Dividend Yield

Next Earnings Date

Primary Exchange

Indonesia Stock Exchange

Revenue (IDR) · TTM

BCIC.JK Revenue (IDR) · TTM by quarter
Period	Revenue (IDR) · TTM
26 Q2	2.87T
26 Q1	2.94T
25 Q4	3.13T
25 Q3	3.45T
25 Q2	3.5T
25 Q1	3.53T
24 Q4	3.44T
24 Q3	3.26T
24 Q2	3.1T
24 Q1	2.96T

Net Income (IDR) · TTM

BCIC.JK Net Income (IDR) · TTM by quarter
Period	Net Income (IDR) · TTM
26 Q2	-461.05B
26 Q1	-490.83B
25 Q4	-428.43B
25 Q3	-94.65B
25 Q2	29.2B
25 Q1	46.65B
24 Q4	2.83B
24 Q3	77.79B
24 Q2	23.77B
24 Q1	-1.31B

Operating Income (IDR) · TTM

BCIC.JK Operating Income (IDR) · TTM by quarter
Period	Operating Income (IDR) · TTM
26 Q2	-364.63B
26 Q1	-394.4B
25 Q4	-332B
25 Q3	11.46B
25 Q2	132.85B
25 Q1	150.3B
24 Q4	106.48B
24 Q3	71.69B
24 Q2	17.68B
24 Q1	11.39B

EBITDA (IDR) · TTM

BCIC.JK EBITDA (IDR) · TTM by quarter
Period	EBITDA (IDR) · TTM
26 Q2	-306.99B
26 Q1	-333.57B
25 Q4	-268.03B
25 Q3	71.15B
25 Q2	211.28B
25 Q1	225.87B
24 Q4	179.49B
24 Q3	143.38B
24 Q2	88.11B
24 Q1	81.67B

Cash Flows (IDR) · TTM

BCIC.JK Cash Flows (IDR) · TTM by quarter
Period	Cash Flows (IDR) · TTM
26 Q2	-376.38B
26 Q1	-2.53T
25 Q4	-3.92T
25 Q3	-4.38T
25 Q2	-4.17T
25 Q1	-2.22T
24 Q4	-1.8T
24 Q3	2.28T
24 Q2	276.69B
24 Q1	2.96T

EPS (IDR) · TTM

BCIC.JK EPS (IDR) · TTM by quarter
Period	EPS (IDR) · TTM
26 Q2	-25.46
26 Q1	-27.11
25 Q4	-23.66
25 Q3	-5.23
25 Q2	1.61
25 Q1	2.58
24 Q4	0.16
24 Q3	4.3
24 Q2	1.31
24 Q1	-0.08

Expenses (IDR) · TTM

BCIC.JK Expenses (IDR) · TTM by quarter
Period	Expenses (IDR) · TTM
26 Q2	370.42B
26 Q1	331.28B
25 Q4	329.84B
25 Q3	545.12B
25 Q2	493.04B
25 Q1	462.25B
24 Q4	451.71B
24 Q3	241.61B
24 Q2	236.51B
24 Q1	241.79B

PE Ratio

BCIC.JK PE Ratio by quarter
Period	PE Ratio
Dec 25	96.75
Dec 25	102.33
Dec 25	95.5
Dec 25	93.02
Nov 25	99.23
Nov 25	94.88
Nov 25	94.88
Nov 25	93.02
Oct 25	91.78
Oct 25	97.99
Oct 25	102.33
Oct 25	126.51
Oct 25	105.43
Sep 25	65.99
Sep 25	65.99
Sep 25	65.99
Sep 25	65.99
Aug 25	65.99
Aug 25	65.99
Aug 25	65.99
Aug 25	65.99
Aug 25	65.99
Jul 25	65.99
Jul 25	65.99
Jul 25	65.99
Jul 25	65.99
Jun 25	1087.11
Jun 25	1087.11
Jun 25	1087.11
Jun 25	1087.11
May 25	1087.11
May 25	1087.11
May 25	1087.11
May 25	1087.11
May 25	1087.11
Apr 25	1087.11
Apr 25	1087.11
Apr 25	1087.11
Mar 25	39.58
Mar 25	39.58
Mar 25	39.58
Mar 25	39.58
Feb 25	39.58
Feb 25	39.58
Feb 25	39.58
Feb 25	39.58
Jan 25	39.58
Jan 25	33.06
Jan 25	36.32
Jan 25	38.18
Jan 25	41.21
Dec 24	137.13
Dec 24	135.6
Dec 24	156.93
Dec 24	153.89
Nov 24	156.93
Nov 24	132.56
Nov 24	150.08
Nov 24	161.51
Nov 24	145.51
Oct 24	144.75
Oct 24	149.32
Oct 24	140.94
Oct 24	116.56
Jun 24	59.06
Jun 24	59.06
Jun 24	61.01
Jun 24	62.96
May 24	61.01
May 24	61.66
May 24	62.31
May 24	62.31
May 24	62.96
Apr 24	64.91
Apr 24	66.85
Apr 24	66.85
Mar 24	16.68
Mar 24	17.48
Mar 24	17.48
Mar 24	17.97
Mar 24	18.13
Feb 24	18.29
Feb 24	18.61
Feb 24	18.77
Feb 24	18.93
Jan 24	19.09
Jan 24	19.41
Jan 24	19.25
Jan 24	20.37
Dec 23	19.25
Dec 23	13.57
Dec 23	13.9
Dec 23	14.46
Dec 23	14.91
Nov 23	14.69
Nov 23	14.01
Nov 23	15.14
Nov 23	14.46
Oct 23	13.34
Oct 23	13.57

Free Cash Flow Yield

BCIC.JK Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 26	-109.09%
Sep 26	-106.59%
Sep 26	-104.2%
Aug 26	-103.43%
Aug 26	-107.41%
Aug 26	-109.09%
Aug 26	-110.82%
Jul 26	-110.82%
Jul 26	-109.95%
Jul 26	-109.95%
Jul 26	-120.37%
Jul 26	-115.4%
Jun 26	-165.29%
Jun 26	-149.33%
Jun 26	-196.84%
Jun 26	-240.59%
May 26	-186.66%
May 26	-188.29%
May 26	-171.85%
May 26	-170.5%
Apr 26	-169.16%
Apr 26	-176.04%
Apr 26	-165.29%
Apr 26	-173.22%
Apr 26	-169.16%
Mar 26	-184.66%
Mar 26	-196.67%
Mar 26	-191.99%
Mar 26	-163.45%
Feb 26	-158.11%
Feb 26	-156.07%
Feb 26	-157.08%
Feb 26	-154.08%
Jan 26	-158.11%
Jan 26	-128.67%
Jan 26	-116.3%
Jan 26	-130.06%
Jan 26	-152.14%
Dec 25	-147.64%
Dec 25	-139.58%
Dec 25	-149.55%
Dec 25	-153.54%
Nov 25	-143.95%
Nov 25	-150.53%
Nov 25	-150.53%
Nov 25	-153.54%
Oct 25	-155.62%
Oct 25	-145.77%
Oct 25	-139.58%
Oct 25	-112.9%
Oct 25	-135.48%
Sep 25	-72.11%
Sep 25	-72.11%
Sep 25	-72.11%
Sep 25	-72.11%
Aug 25	-72.11%
Aug 25	-72.11%
Aug 25	-72.11%
Aug 25	-72.11%
Aug 25	-72.11%
Jul 25	-72.11%
Jul 25	-72.11%
Jul 25	-72.11%
Jul 25	-72.11%
Jun 25	-58.62%
Jun 25	-58.62%
Jun 25	-58.62%
Jun 25	-58.62%
May 25	-58.62%
May 25	-58.62%
May 25	-58.62%
May 25	-58.62%
May 25	-58.62%
Apr 25	-58.62%
Apr 25	-58.62%
Apr 25	-58.62%
Mar 25	74%
Mar 25	74%
Mar 25	74%
Mar 25	74%
Feb 25	74%
Feb 25	74%
Feb 25	74%
Feb 25	74%
Jan 25	74%
Jan 25	88.59%
Jan 25	80.64%
Jan 25	76.7%
Jan 25	71.07%
Dec 24	8.49%
Dec 24	8.58%
Dec 24	7.42%
Dec 24	7.56%
Nov 24	7.42%
Nov 24	8.78%
Nov 24	7.76%
Nov 24	7.21%
Nov 24	8%
Oct 24	8.04%
Oct 24	7.8%

Price to Sales

BCIC.JK Price to Sales by quarter
Period	Price to Sales
Sep 26	0.79
Sep 26	0.81
Sep 26	0.83
Aug 26	0.83
Aug 26	0.8
Aug 26	0.79
Aug 26	0.78
Jul 26	0.78
Jul 26	0.78
Jul 26	0.78
Jul 26	0.72
Jul 26	0.75
Jun 26	0.76
Jun 26	0.84
Jun 26	0.64
Jun 26	0.52
May 26	0.67
May 26	0.67
May 26	0.73
May 26	0.73
Apr 26	0.74
Apr 26	0.71
Apr 26	0.76
Apr 26	0.72
Apr 26	0.74
Mar 26	0.69
Mar 26	0.65
Mar 26	0.66
Mar 26	0.78
Feb 26	0.8
Feb 26	0.81
Feb 26	0.81
Feb 26	0.82
Jan 26	0.8
Jan 26	0.99
Jan 26	1.09
Jan 26	0.98
Jan 26	0.83
Dec 25	0.81
Dec 25	0.85
Dec 25	0.8
Dec 25	0.78
Nov 25	0.83
Nov 25	0.79
Nov 25	0.79
Nov 25	0.78
Oct 25	0.77
Oct 25	0.82
Oct 25	0.85
Oct 25	1.06
Oct 25	0.88
Sep 25	0.87
Sep 25	0.87
Sep 25	0.87
Sep 25	0.87
Aug 25	0.87
Aug 25	0.87
Aug 25	0.87
Aug 25	0.87
Aug 25	0.87
Jul 25	0.87
Jul 25	0.87
Jul 25	0.87
Jul 25	0.87
Jun 25	0.9
Jun 25	0.9
Jun 25	0.9
Jun 25	0.9
May 25	0.9
May 25	0.9
May 25	0.9
May 25	0.9
May 25	0.9
Apr 25	0.9
Apr 25	0.9
Apr 25	0.9
Mar 25	0.95
Mar 25	0.95
Mar 25	0.95
Mar 25	0.95
Feb 25	0.95
Feb 25	0.95
Feb 25	0.95
Feb 25	0.95
Jan 25	0.95
Jan 25	0.79
Jan 25	0.87
Jan 25	0.91
Jan 25	0.98
Dec 24	1.05
Dec 24	1.04
Dec 24	1.2
Dec 24	1.18
Nov 24	1.2
Nov 24	1.02
Nov 24	1.15
Nov 24	1.24
Nov 24	1.12
Oct 24	1.11
Oct 24	1.14

EV/EBITDA

BCIC.JK EV/EBITDA by quarter
Period	EV/EBITDA
Mar 26	29.62
Mar 26	27.58
Mar 26	28.34
Mar 26	33.94
Feb 26	35.22
Feb 26	35.72
Feb 26	35.47
Feb 26	36.23
Jan 26	35.22
Jan 26	44.12
Jan 26	49.22
Jan 26	43.62
Jan 26	36.74
Dec 25	3.06
Dec 25	3.83
Dec 25	2.89
Dec 25	2.55
Nov 25	3.4
Nov 25	2.8
Nov 25	2.8
Nov 25	2.55
Oct 25	2.37
Oct 25	3.23
Oct 25	3.83
Oct 25	7.17
Oct 25	4.26
Sep 25	1.09
Sep 25	1.09
Sep 25	1.09
Sep 25	1.09
Aug 25	1.09
Aug 25	1.09
Aug 25	1.09
Aug 25	1.09
Aug 25	1.09
Jul 25	1.09
Jul 25	1.09
Jul 25	1.09
Jul 25	1.09
Jun 25	-2.72
Jun 25	-2.72
Jun 25	-2.72
Jun 25	-2.72
May 25	-2.72
May 25	-2.72
May 25	-2.72
May 25	-2.72
May 25	-2.72
Apr 25	-2.72
Apr 25	-2.72
Apr 25	-2.72
Mar 25	-4.83
Mar 25	-4.83
Mar 25	-4.83
Mar 25	-4.83
Feb 25	-4.83
Feb 25	-4.83
Feb 25	-4.83
Feb 25	-4.83
Jan 25	-4.83
Jan 25	-8.37
Jan 25	-6.6
Jan 25	-5.59
Jan 25	-3.95
Dec 24	-11.05
Dec 24	-11.46
Dec 24	-5.7
Dec 24	-6.52
Nov 24	-5.7
Nov 24	-12.28
Nov 24	-7.55
Nov 24	-4.47
Nov 24	-8.78
Oct 24	-8.99
Oct 24	-7.76
Oct 24	-10.02
Oct 24	-16.6
Sep 24	-24.49
Sep 24	-32.48
Sep 24	-33.81
Sep 24	-33.81
Aug 24	-35.36
Aug 24	-35.36
Aug 24	-34.47
Aug 24	-36.47
Aug 24	-34.69
Jul 24	-31.81
Jul 24	-35.58
Jul 24	-35.58
Jul 24	-35.58
Jun 24	-42.69
Jun 24	-42.69
Jun 24	-42.09
Jun 24	-41.5
May 24	-42.09
May 24	-41.9
May 24	-41.7
May 24	-41.7
May 24	-41.5
Apr 24	-40.91

Price/Operating Cashflow

BCIC.JK Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Mar 25	1.34
Mar 25	1.34
Mar 25	1.34
Mar 25	1.34
Feb 25	1.34
Feb 25	1.34
Feb 25	1.34
Feb 25	1.34
Jan 25	1.34
Jan 25	1.12
Jan 25	1.23
Jan 25	1.29
Jan 25	1.39
Dec 24	11.13
Dec 24	11.01
Dec 24	12.74
Dec 24	12.49
Nov 24	12.74
Nov 24	10.76
Nov 24	12.18
Nov 24	13.11
Nov 24	11.81
Oct 24	11.75
Oct 24	12.12
Oct 24	11.44
Oct 24	9.46
Sep 24	0.87
Sep 24	0.65
Sep 24	0.61
Sep 24	0.61
Aug 24	0.57
Aug 24	0.57
Aug 24	0.59
Aug 24	0.54
Aug 24	0.59
Jul 24	0.67
Jul 24	0.56
Jul 24	0.56
Jul 24	0.56
Jun 24	0.69
Jun 24	0.69
Jun 24	0.72
Jun 24	0.74
May 24	0.72
May 24	0.72
May 24	0.73
May 24	0.73
May 24	0.74
Apr 24	0.76
Apr 24	0.78
Apr 24	0.78
Dec 23	2.29
Dec 23	2.35
Dec 23	2.45
Dec 23	2.52
Nov 23	2.48
Nov 23	2.37
Nov 23	2.56
Nov 23	2.45
Oct 23	2.26
Oct 23	2.29
Oct 23	2.41
Oct 23	2.5
Sep 23	2.64
Jun 23	44.04
Jun 23	42.38
Jun 23	45.29
Jun 23	40.31
May 23	39.89
May 23	41.55
May 23	42.38
May 23	42.38
May 23	43.21
Apr 23	42.8
Apr 23	42.38
Apr 23	42.8
Apr 23	44.46
Mar 23	46.12
Mar 23	2.12
Mar 23	2.1
Mar 23	2.36
Mar 23	2.46
Feb 23	2.4
Feb 23	2.48
Feb 23	2.55
Feb 23	2.59
Jan 23	2.69
Jan 23	2.65
Jan 23	2.99
Jan 23	3.66
Dec 22	3.54
Dec 22	1.47
Dec 22	1.5
Dec 22	1.49
Dec 22	1.58
Nov 22	1.6
Nov 22	1.62
Nov 22	1.61
Nov 22	1.6
Oct 22	1.56

Price to Book

BCIC.JK Price to Book by quarter
Period	Price to Book
Sep 26	0.96
Sep 26	0.98
Sep 26	1
Aug 26	1.01
Aug 26	0.97
Aug 26	0.96
Aug 26	0.94
Jul 26	0.94
Jul 26	0.95
Jul 26	0.95
Jul 26	0.87
Jul 26	0.9
Jun 26	0.69
Jun 26	0.77
Jun 26	0.58
Jun 26	0.48
May 26	0.61
May 26	0.61
May 26	0.67
May 26	0.67
Apr 26	0.68
Apr 26	0.65
Apr 26	0.69
Apr 26	0.66
Apr 26	0.68
Mar 26	0.82
Mar 26	0.77
Mar 26	0.79
Mar 26	0.93
Feb 26	0.96
Feb 26	0.97
Feb 26	0.96
Feb 26	0.98
Jan 26	0.96
Jan 26	1.18
Jan 26	1.3
Jan 26	1.16
Jan 26	1
Dec 25	0.71
Dec 25	0.76
Dec 25	0.7
Dec 25	0.69
Nov 25	0.73
Nov 25	0.7
Nov 25	0.7
Nov 25	0.69
Oct 25	0.68
Oct 25	0.72
Oct 25	0.76
Oct 25	0.93
Oct 25	0.78
Sep 25	0.79
Sep 25	0.79
Sep 25	0.79
Sep 25	0.79
Aug 25	0.79
Aug 25	0.79
Aug 25	0.79
Aug 25	0.79
Aug 25	0.79
Jul 25	0.79
Jul 25	0.79
Jul 25	0.79
Jul 25	0.79
Jun 25	0.81
Jun 25	0.81
Jun 25	0.81
Jun 25	0.81
May 25	0.81
May 25	0.81
May 25	0.81
May 25	0.81
May 25	0.81
Apr 25	0.81
Apr 25	0.81
Apr 25	0.81
Mar 25	0.78
Mar 25	0.78
Mar 25	0.78
Mar 25	0.78
Feb 25	0.78
Feb 25	0.78
Feb 25	0.78
Feb 25	0.78
Jan 25	0.78
Jan 25	0.65
Jan 25	0.72
Jan 25	0.75
Jan 25	0.81
Dec 24	0.86
Dec 24	0.85
Dec 24	0.98
Dec 24	0.96
Nov 24	0.98
Nov 24	0.83
Nov 24	0.94
Nov 24	1.01
Nov 24	0.91
Oct 24	0.91
Oct 24	0.93

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PT Bank JTrust Indonesia Tbk

Video analysis: BCIC.JK

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