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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.
ISX:INPC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.05 Max: 0.1
Current: 0.05
During the past 13 years, the highest Debt-to-Equity Ratio of PT Bank Artha Graha Internasional Tbk was 0.10. The lowest was 0.01. And the median was 0.05.
ISX:INPC's Debt-to-Equity is ranked better than 94.5% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs ISX:INPC: 0.05
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 Artha Graha Internasional Tbk Debt-to-Equity Related Terms
PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk Debt-to-Equity Chart
PT Bank Artha Graha Internasional Tbk Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Artha Graha Internasional Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk (ISX:INPC) has a Debt-to-Equity of 0.05 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. This is near median its historical median of 0.05. Over the past decade, PT Bank Artha Graha Internasional Tbk's Debt-to-Equity has ranged from 0.01 to 0.10. According to the industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #78 out of 1419 companies in the Banks industry, placing it in the top 5.5%.
Is PT Bank Artha Graha Internasional Tbk's Debt-to-Equity too high?
PT Bank Artha Graha Internasional Tbk's current Debt-to-Equity of 0.05 is near median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.10. The Banks industry median Debt-to-Equity is 0.59. PT Bank Artha Graha Internasional Tbk's value of 0.05 is 91.5% below this industry median. Based on the distribution chart, PT Bank Artha Graha Internasional Tbk ranks #78 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Artha Graha Internasional Tbk has a GF Score™ of 48/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Artha Graha Internasional Tbk's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #78 out of 1419 companies for Debt-to-Equity. This places PT Bank Artha Graha Internasional Tbk in the top 6% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.59. PT Bank Artha Graha Internasional Tbk's value of 0.05 is 91.5% below this benchmark. Historically, PT Bank Artha Graha Internasional Tbk's own Debt-to-Equity has ranged from 0.01 to 0.10 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.59, PT Bank Artha Graha Internasional 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 0.59, based on 1,419 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 Artha Graha Internasional Tbk's current Debt-to-Equity of 0.05 is 91.5% 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 Artha Graha Internasional Tbk and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Artha Graha Internasional Tbk's current Debt-to-Equity is 0.05, which is near median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Artha Graha Internasional Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Artha Graha Internasional Tbk (ISX:INPC) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp155.78, compared to a current price of Rp139.00 — trading 10.8% below its estimated fair value. The current Debt-to-Equity is 0.05, which is near median its 10-year median of 0.05 and 91.5% below the Banks industry median of 0.59. PT Bank Artha Graha Internasional Tbk's overall GF Score™ is 48/100. 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 Artha Graha Internasional Tbk (ISX:INPC), the current Debt-to-Equity is 0.05 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 Artha Graha Internasional Tbk (ISX:INPC) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Artha Graha Internasional Tbk stock appears to be undervalued.
The current stock price of Rp139.00 is trading 10.8% below its estimated GF Value™ of Rp155.78.
GuruFocus considers PT Bank Artha Graha Internasional Tbk to be Modestly Undervalued.
Key valuation signals for ISX:INPC:
Debt-to-Equity: 0.05 (near median its 10-year median of 0.05)
GF Value™: Rp155.78 vs. price of Rp139.00 (10.8% below fair value)
Industry Position: 91.5% below the Banks median (#78 of 1419)
No single metric tells the full story. See the ISX:INPC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Artha Graha Internasional Tbk conducts business activities as a conventional commercial bank. Its main business activities include collecting funds from the public in the form of current account deposits, time deposits, certificates of deposit, savings, and/or other similar forms; providing loans, either medium-, long-, or short-term loans or other types that are common in the banking industry. Its operating segments comprise Productive, which generates maximum revenue and includes loans extended to productive sectors such as working capital and investment loans; Consumer, which includes loans extended for consumer purposes; Treasury, which relates to treasury activities including money market transactions, trade finance, foreign exchange, and securities; and Others.
48GF Score
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