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Saham BBRI Layak Dibeli dengan Target Harga Rp 4.400, Ini Pertimbangannya

Saham BBRI Layak Dibeli dengan Target Harga Rp 4.400, Ini Pertimbangannya

Analis Samuel Sekuritas merekomendasikan pembelian saham PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) dengan target harga Rp4.400 per saham. Rekomendasi ini didasari oleh kekuatan segmen bisnis mikro dan perbaikan kualitas aset bank yang semakin solid. Meski laba 2025 turun tipis, prospek 2026 tetap cerah berkat pertumbuhan kredit dan dukungan investor asing.

Kinerja Keuangan 2025

BBRI mencatat laba bersih Rp56,7 triliun sepanjang 2025, turun 5% secara tahunan (YoY), namun kuartal IV tumbuh 7% YoY menjadi Rp15,9 triliun.

Pendapatan bunga bersih meningkat didukung rasio CASA 70% dari total dana pihak ketiga (DPK), dengan PPOP kuartal IV naik 13% YoY. Proyeksi 2026 menargetkan pertumbuhan kredit 7-9% dan net interest margin (NIM) stabil di 7,4-7,8%, di atas rata-rata industri.

Faktor Pendukung Pembelian

Saham BBRI Layak Dibeli dengan Target Harga Rp 4.400, Ini Pertimbangannya

(Foto Saham BBRI dari Google Finansial)

Investor asing ramai membeli saham BBRI di awal 2026, dengan net buy ratusan juta lembar dipimpin Invesco.

Valuasi saham undervalued dibandingkan historis, berpotensi naik hingga 22% menurut analis BRI Danareksa. Konsensus analis Bloomberg menunjukkan 30 dari 32 analis merekomendasikan "buy" dengan target rata-rata Rp4.504 dalam 12 bulan.

Analis/Sekuritas	Rekomendasi	Target Harga (Rp)
Samuel Sekuritas	Buy	4.400
KB Valbury	Buy	4.470
Mandiri Sekuritas	Buy	4.400
Konsensus Bloomberg	Buy	4.504

Tantangan dan Risiko

NIM berpotensi turun akibat suku bunga rendah dan perlambatan kredit. Kondisi ekonomi global dapat menekan kinerja, meski saham bank jumbo seperti BBRI tetap jadi andalan investor. Pantau laporan keuangan terbaru untuk memastikan momentum positif berlanjut.

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