PT Bank Raya Indonesia Tbk is an Indonesian banking corporation. The company provides services of savings deposits, demand deposits, time deposits, cash management, lending services, and other credit facilities. Its operating segments are Consumer, Retail, Middle, and Others. The bank generates its revenues in the form of interest income.

Financial Strength

6/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	14.9
Equity-to-Asset	0.28
Debt-to-Equity	0.02
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.22	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-12.2
	3-Year EPS without NRI Growth Rate	-12.5
	3-Year Book Growth Rate	-11.1

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	60.86
	9-Day RSI	51.01
	14-Day RSI	45.94
	6-1 Month Momentum %	-22.01
	12-1 Month Momentum %	-35.42

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-4.3
	Shareholder Yield %	0.57

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	5.29
	FCF Margin %	-153.47
	ROE %	0.85
	ROA %	0.24
	Years of Profitability over Past 10-Year	9

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	193.16
	PE Ratio without NRI	171.08
	Price-to-Owner-Earnings	141.78
	PS Ratio	10.15
	PB Ratio	1.63
	Price-to-Tangible-Book	1.73
	EV-to-Revenue	8.36
	EV-to-Forward-Revenue	14.16
	EV-to-FCF	-5.45
	Price-to-Projected-FCF	14.83
	Price-to-Median-PS-Value	0.98
	Price-to-Graham-Number	3.63
	FCF Yield %	-15.11
	Forward Rate of Return (Yacktman) %	42.34

GF Value: Rp349.36

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