Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for PT Bank Raya Indonesia Tbk's Debt-to-Equity or its related term are showing as below:
ISX:AGRO'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.06 Max: 0.16
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of PT Bank Raya Indonesia Tbk was 0.16. The lowest was 0.01. And the median was 0.06.
ISX:AGRO's Debt-to-Equity is ranked better than 99.93% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs ISX:AGRO: 0.01
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
PT Bank Raya Indonesia Tbk Debt-to-Equity Related Terms
PT Bank Raya Indonesia Tbk Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Bank Raya Indonesia Tbk Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Raya Indonesia Tbk's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PT Bank Raya Indonesia Tbk Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Raya Indonesia Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Raya Indonesia Tbk's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Bank Raya Indonesia Tbk (ISX:AGRO) has a Debt-to-Equity of 0.01 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Bank Raya Indonesia Tbk and its competitors. This is 83% below median its historical median of 0.06. Over the past decade, PT Bank Raya Indonesia Tbk's Debt-to-Equity has ranged from 0.01 to 0.16. According to the industry distribution chart, PT Bank Raya Indonesia Tbk ranks #1 out of 1414 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is PT Bank Raya Indonesia Tbk's Debt-to-Equity too high?
PT Bank Raya Indonesia Tbk's current Debt-to-Equity of 0.01 is 83% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.16. The Banks industry median Debt-to-Equity is 0.58. PT Bank Raya Indonesia Tbk's value of 0.01 is 98.3% below this industry median. Based on the distribution chart, PT Bank Raya Indonesia Tbk ranks #1 out of 1414 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Raya Indonesia Tbk has a GF Score™ of 52/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Raya Indonesia Tbk's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Raya Indonesia Tbk ranks #1 out of 1414 companies for Debt-to-Equity. This places PT Bank Raya Indonesia Tbk in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. PT Bank Raya Indonesia Tbk's value of 0.01 is 98.3% below this benchmark. Historically, PT Bank Raya Indonesia Tbk's own Debt-to-Equity has ranged from 0.01 to 0.16 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.58, PT Bank Raya Indonesia Tbk has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Raya Indonesia Tbk's current Debt-to-Equity of 0.01 is 98.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Bank Raya Indonesia Tbk and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Raya Indonesia Tbk's current Debt-to-Equity is 0.01, which is 83% below median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Raya Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk (ISX:AGRO) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp211.58, compared to a current price of Rp150.00 — trading 29.1% below its estimated fair value. The current Debt-to-Equity is 0.01, which is 83% below median its 10-year median of 0.06 and 98.3% below the Banks industry median of 0.58. PT Bank Raya Indonesia Tbk's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For PT Bank Raya Indonesia Tbk (ISX:AGRO), the current Debt-to-Equity is 0.01 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PT Bank Raya Indonesia Tbk (ISX:AGRO) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp150.00 is trading 29.1% below its estimated GF Value™ of Rp211.58.
GuruFocus considers PT Bank Raya Indonesia Tbk to be Modestly Undervalued.
Key valuation signals for ISX:AGRO:
Debt-to-Equity: 0.01 (83% below median its 10-year median of 0.06)
GF Value™: Rp211.58 vs. price of Rp150.00 (29.1% below fair value)
Industry Position: 98.3% below the Banks median (#1 of 1414)
No single metric tells the full story. See the ISX:AGRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Raya Indonesia Tbk is an Indonesian banking corporation. The company provides services of savings deposits, demand deposits, time deposits, cash management, lending services, and other credit facilities. Its operating segments are Consumer, Retail, Middle, and Others. The bank generates its revenues in the form of interest income.
52GF Score
Get the complete analysis for ISX:AGRO
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:AGRO has been successfully added to your 
