Bank Artha Graha Internasional

JKT:INPC · ID1000105505

BanksSmall

360

Medium confidence — indicative

Value70

Profit price—

Cash yield1

Sales & asset price80

Price/Sales81

Price/Book79

Quality3

Returns on capital1

Profit margins—

Cash backing29

Accruals53

Owner Earnings Margin4

Growth24

Sales growth44

Profit growth6

Profit Growth10

Owner Earnings Growth1

Reinvestment69

Price momentum15

Safety53

Debt load94

Debt serviceability59

Liquidity1

Sentiment41

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

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

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 →