YOLFTbeta
BB

Bank Yudha Bhakti Tbk

BBYB · JK · Financial Services / Banks - Regional

161.00IDR+4.00 (+2.55%)

Price History

Full chart

Market Stats

Previous Close157.00
Open157.00
Day Range154.00 – 163.00
52-Week Range189.00 – 615.00
Volume51.53M
Market Cap2.62T
P/E (TTM)4.48
Forward P/E3.80
EPS43.79
Dividend Yield0.00%
Beta0.90
50-Day Avg244.62
200-Day Avg308.27

About

PT Bank Neo Commerce Tbk provides digital banking products and services in Indonesia. The company offers individual banking services, including personal and business accounts; regular, NOW, Neo wish, and Neo business savings; WOW and FLEXI time deposits; Neo and micro business loans; transaction services, such as transfer, hematpay, QRIS, virtual accounts, bills and top up, and cardless cash withdrawal services; Neo membership; and gamified experience comprising Neo world, SocialFi, and Neo journal. It also provides wealth management services that consist of mutual funds that include money market, fixed income, balanced, and equity funds; bancassurance products, such as health, life, and general insurance; gold investments; and other branch offerings. In addition, the company offers deposits, including current accounts and regular time deposit; cash management services comprising payroll services and corporate internet banking; API banking services for enterprises and businesses; and lending products, such as financial institution lending, MSME, and commercial/corporate loans, as well as investment and working capital loans. 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 headquartered in Jakarta Selatan, Indonesia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Eri Budiono
  • Employees909
  • HeadquartersTreasury Tower, Jakarta Selatan, Indonesia, 12190, Indonesia
  • Websitehttps://www.bankneocommerce.co.id

Leadership

  • Mr. Eri BudionoPresident Director · b. 1969
  • Ms. Sufen TriantioChief Financial Officer · b. 1976
  • Emiliana YuniAct. Head of Operation Division
  • Kurnia Totok SudjatmikoHead of Compliance Division
  • Maritsen DarvitaHead of Marketing Division
  • Ms. Apriza Liz Tresia DewiHead of Human Resource Division · b. 1980
  • Dandy SantosaHead of Main Branch Office
  • Nenden NurhaeniHead of Bandung Branch Office
  • Hadi PanjikusumaHead of Cirebon Branch Office
  • Hendra Prastyo BudiHead of Semarang Branch

Financials

Income Statement

Currency: IDR2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue290.07B293.53B314.80B270.71B311.64B410.70B516.25B623.89B599.09B539.09B518.36B791.48B2.49T4.18T3.88T3.28T
Growth (%)-+1.19%+7.25%-14.01%+15.12%+31.78%+25.70%+20.85%-3.98%-10.02%-3.85%+52.69%+214.27%+68.03%-7.23%-15.41%
Cost of Revenue--177.01B139.77B172.80B231.95B264.07B305.10B302.90B307.77B276.97B353.46B716.07B947.54B876.56B2.11T
Gross Profit--137.79B130.93B138.84B178.75B252.18B318.79B296.19B231.32B241.39B438.02B1.77T3.23T3.00T1.17T
Gross Margin--43.77%48.37%44.55%43.52%48.85%51.10%49.44%42.91%46.57%55.34%71.21%77.33%77.39%35.65%
Operating Expense--108.60B115.03B122.97B144.27B159.89B298.74B434.51B213.46B225.56B1.43T2.56T3.81T2.98T604.97B
Operating Income203.96B206.60B29.18B15.90B15.87B34.48B92.29B20.05B-138.32B17.86B15.83B-990.42B-785.94B-573.87B18.68B564.17B
Operating Margin70.32%70.39%9.27%5.88%5.09%8.40%17.88%3.21%-23.09%3.31%3.05%-125.14%-31.60%-13.73%0.48%17.20%
EBITDA--29.18B15.90B15.87B34.48B96.97B27.60B-129.78B27.77B47.58B-949.25B-728.88B-510.20B92.15B622.22B
EBITDA Margin--9.27%5.88%5.09%8.40%18.78%4.42%-21.66%5.15%9.18%-119.93%-29.30%-12.21%2.38%18.97%
Net Income--21.02B8.96B11.88B24.87B67.99B14.42B-136.99B16.00B15.87B-986.29B-789.06B-573.18B19.89B565.69B
Net Income Margin--6.68%3.31%3.81%6.06%13.17%2.31%-22.87%2.97%3.06%-124.61%-31.72%-13.71%0.51%17.25%
Interest Expense00177.01B139.77B172.80B231.95B264.07B305.10B302.90B307.77B276.97B353.46B716.07B947.54B876.56B796.43B
Interest Expense % of Total Revenue0.00%0.00%56.23%51.63%55.45%56.48%51.15%48.90%50.56%57.09%53.43%44.66%28.79%22.67%22.61%24.28%

Balance Sheet

Currency: IDR2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.19T2.30T2.58T2.30T2.69T3.42T4.13T5.00T4.53T5.12T5.42T11.34T19.69T18.17T17.41T18.97T
Total Liabilities1.97T2.08T2.32T2.05T2.42T3.05T3.49T4.33T3.93T4.18T4.30T8.45T15.95T14.85T13.85T14.74T
Total Equity212.31B219.24B253.78B257.54B272.40B365.49B643.07B676.19B600.39B945.78B1.12T2.89T3.74T3.32T3.56T4.23T
Cash12.94B14.58B351.91B579.26B436.83B518.55B374.67B675.17B366.52B372.61B354.68B2.40T4.60T2.61T1.53T1.15T
Total Debt--999.73M688.97M378.22M126.07M33.57B117.33M4.54B87.58B331.42B97.96B923.57B52.82B80.40B296.06B
Net Debt---350.91B-578.57B-436.45B-518.43B-341.10B-675.05B-363.36B-370.12B-349.02B-2.34T-4.55T-2.56T-1.45T-858.27B

Cash Flow

Currency: IDR2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.95B-50.66B-153.74B53.64B-336.79B296.88B-363.57B-308.82B-151.65B369.32B3.14T-2.17T120.57B2.04T
Investing Cash Flow270.60M4.97B-3.38B-2.35B-14.52B-10.24B-5.46B-10.75B-18.77B-1.05T-2.61T116.58B-1.42T-1.35T
Financing Cash Flow19.69B10.98B14.69B30.43B207.42B10.62B60.38B325.63B150.16B2.73T1.67T70.45B224.06B867.60B
Capital Expenditure1.07B1.41B5.84B3.22B15.53B10.55B7.12B14.06B24.61B132.08B246.76B83.96B26.46B21.86B
Free Cash Flow-3.02B-52.07B-159.59B50.42B-352.31B286.33B-370.69B-322.89B-176.27B237.24B2.89T-2.26T94.11B2.01T
Dividends Paid16.27B10.51B-1.20B3.72B5.76B5.76B1.60B1.60B1.53B----
FCF to OCF154.51%102.78%103.80%94.00%104.61%96.45%101.96%104.55%116.23%64.24%92.13%103.86%78.06%98.93%
Dividend Paid to FCF-538.74%-20.18%-2.38%-1.06%2.01%-1.55%-0.50%-0.91%0.65%----

Earnings

Report DateMar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Mar 10, 2021May 7, 2021Aug 30, 2021Nov 19, 2021Mar 21, 2022Apr 29, 2022Jul 28, 2022Oct 25, 2022May 3, 2023Aug 2, 2023
EPS Estimate--------------------------------
EPS Actual1.661.662.631.033.385.646.565.850.703.02-7.874.713.640.60-30.692.04-0.660.410.452.030.82-1.871.44-7.08-10.63-16.97-71.51-45.01-21.031.11-15.61-21.46
Surprise--------------------------------
Timing----------------------Pre-marketAfter-hoursAfter-hoursAfter-hours-Pre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap2.62T
Enterprise Value1.25T
Trailing P/E4.48
Forward P/E3.80
PEG Ratio0.26
Price / Sales1.81
Price / Book0.68
EPS43.79
Book Value331.04
Revenue (TTM)1.45T
Gross Profit (TTM)1.45T
Profit Margin40.41%
Operating Margin44.27%
Return on Equity14.07%
Return on Assets3.30%
Shares Outstanding13.35B
Shares Float6.61B
Beta0.90
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Dividends

20211×
0.21Apr 12, 2021
20201×
0.22Aug 11, 2020
20181×
1.00Jul 5, 2018
20161×
1.25Mar 18, 2016