Bank Victoria International

JKT:BVIC · ID1000056302

BanksSmall

360

Medium confidence — indicative

Value76

Profit price60

Cash yield1

Sales & asset price61

Price/Sales74

EV / Gross Profit16

Price/Book93

Quality34

Returns on capital29

Profit margins—

Cash backing19

Cash Conversion4

Accruals16

Owner Earnings Margin36

Growth45

Sales growth84

Profit growth33

Profit Growth48

Owner Earnings Growth18

Reinvestment32

Price momentum35

Safety48

Debt load2

Debt serviceability100

Liquidity15

Sentiment53

Analyst ratings—

Expectations trend—

Market mood33

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Bank Victoria International clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryIndonesia

IndustryBanks

SizeSmall

TypePublic Company

ExchangeIDX

Founded1992

Employees362

Websitevictoriabank.co.id

ISINID1000056302

Last UpdateApr 2, 2026

Indices

IDX Composite (Indonesia)

Themes

Consumer LendingBankingFinanceFinancial Services

Description

PT Bank Victoria International Tbk is a financial institution based in Indonesia specializing in offering a range of banking services. The primary focus of the company is on providing both conventional banking and sharia banking solutions tailored to…

Analysis

Bargain bin

PT Bank Victoria International Tbk is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.0×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →