PT Bank JTrust Indonesia Tbk (IDX:BCIC)

Indonesia · Delayed Price · Currency is IDR

130.00

+3.00 (2.36%)

Aug 12, 2026, 4:00 PM WIB

IDX:BCIC Financials Overview

Financials in millions IDR. Fiscal year is January - December.

Millions IDR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	777,293	803,531	1,167,454	1,034,015	1,263,748	109,493
Revenue Growth	-37.54%	-31.17%	12.90%	-18.18%	1054.18%	31454.18%
Net Income	-461,052	-428,429	2,832	27,902	86,621	-445,423
Earnings Per Share	-25.46	-23.66	0.16	1.54	5.47	-42.15
EPS Growth	-	-	-89.85%	-71.85%	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Retail Funding	-1,752,298	-1,923,839	-1,807,407	-1,459,281	-492,192	-824,311
Loan and Export Import	2,303,627	2,513,478	2,505,252	2,009,904	1,332,120	738,111
Treasury	379,494	385,347	518,858	510,238	387,520	195,616
Total	930,823	974,986	1,216,703	1,060,861	1,227,448	109,416

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	4,146,674	6,356,094	4,424,052	5,605,653	6,384,445	3,129,923
Total Debt	459,483	336,646	8,273	2,050	1,427	933
Net Cash (Debt)	3,687,191	6,019,448	4,415,779	5,603,603	6,383,018	3,128,990
Net Cash Growth	-18.14%	36.32%	-21.20%	-12.21%	104.00%	81.91%
Net Cash Per Share	203.60	332.38	243.83	309.42	403.29	296.12

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-81,274	-372,587	-2,188,962	-3,227,780	-11,309,060	-2,662,482
Capital Expenditures	-16,006	-19,755	-21,721	-15,435	-17,001	-12,811
Free Cash Flow	-97,280	-392,342	-2,210,683	-3,243,215	-11,326,061	-2,675,293
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	-59.31%	-53.32%	0.24%	2.70%	6.85%	-406.81%
FCF Margin	-12.52%	-48.83%	-189.36%	-313.65%	-896.23%	-2443.35%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	-	-	1195.82	77.89	36.38	-
PS Ratio	3.03	3.54	2.90	2.10	2.49	18.84