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Bank Artha Graha Internasional

JKT:INPC · ID1000105505
BanksSmall

360

13
Medium confidence — indicative
Profit price—
Cash yield1
Price/Sales81
Price/Book79
Returns on capital1
Profit margins—
Accruals53
Owner Earnings Margin4
Sales growth44
Profit Growth10
Owner Earnings Growth1
Reinvestment69
Price momentum15
Debt load94
Debt serviceability59
Liquidity1
Analyst ratings—
Expectations trend—
Market mood1
Value Creation3/20not creating 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 Artha Graha Internasional doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Based on 3/5 components.

Profile

CountryIndonesia
IndustryBanks
SizeSmall
TypePublic Company
ExchangeIDX
Founded1973
Employees446
Websitearthagraha.com
ISINID1000105505
Last UpdateApr 2, 2026
Indices
IDX Composite (Indonesia)
Themes
Online PaymentsConsumer LendingMicro LendingBankingFinanceFinancial Services

Description

PT Bank Artha Graha Internasional Tbk operates in the banking industry. Its primary business is to provide various financial services to individuals, businesses, and other organizations. The company offers a wide range of banking products and service…

Analysis

Deep value

PT Bank Artha Graha Internasional Tbk lands in the deep-value zone: the price is very low, but so are the business fundamentals.

Valuation data is not available for this company.

The trajectory is tepid and the balance sheet is adequate. The company scores 3/20 on our value-creation score: not creating value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
14
2026

All-time high

19

Mar 2026

All-time low

14

Jun 2026

Average rank

17

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
81
—
—
—
Price/Earnings
18
—
—
—
Price/Book
79
—
—
—
Dividend Yield
1
—
—
—
Value (overall)
54
—
—
—

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 →