PT Bank Amar Indonesia Tbk (ISX:AMAR) E10: Rp3.26 (As of Mar. 2026)


ISX:AMAR PT Bank Amar Indonesia Tbk ISX:AMAR
77 GF Score
Price Rp200.00
GF Value Rp309.19
Valuation Significantly Undervalued
! 3 Warning Signs
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What is PT Bank Amar Indonesia Tbk E10?

PT Bank Amar Indonesia Tbk ISX:AMAR +2.04% 77 E10 is Rp3.26 as of Mar. 2026. GuruFocus rates ISX:AMAR with a GF Score™ of 77/100 and a GF Value™ of Rp309.19 (Significantly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

PT Bank Amar Indonesia Tbk's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was Rp14.000. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp3.26 for the trailing ten years ended in Dec. 2025.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-06-27), PT Bank Amar Indonesia Tbk's current stock price is Rp 200.00. PT Bank Amar Indonesia Tbk's E10 for the fiscal year that ended in Dec. 2025 was Rp3.26. PT Bank Amar Indonesia Tbk's Shiller PE Ratio of today is 61.35.

During the past 10 years, the highest Shiller PE Ratio of PT Bank Amar Indonesia Tbk was 72.39. The lowest was 60.12. And the median was 64.42.


PT Bank Amar Indonesia Tbk  (ISX:AMAR) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

PT Bank Amar Indonesia Tbk's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=200.00/3.26
=61.35

* 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.

During the past 10 years, the highest Shiller P/E Ratio of PT Bank Amar Indonesia Tbk was 72.39. The lowest was 60.12. And the median was 64.42.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


PT Bank Amar Indonesia Tbk E10 Related Terms


PT Bank Amar Indonesia Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Bank Amar Indonesia Tbk's E10 can be seen below:

* 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 Amar Indonesia Tbk E10 Chart

PT Bank Amar Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 3.26

PT Bank Amar Indonesia Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 3.26 0.00

PT Bank Amar Indonesia Tbk E10 Competitor Comparison

For the Banks - Regional subindustry, PT Bank Amar Indonesia Tbk's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Amar Indonesia Tbk Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Amar Indonesia Tbk's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where PT Bank Amar Indonesia Tbk's Shiller PE Ratio falls into.


ISX:AMAR
77GF Score
PT Bank Amar Indonesia Tbk ISX:AMAR
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Amar Indonesia Tbk E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PT Bank Amar Indonesia Tbk's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was:

Adj_EPS=Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=14/135.2711*135.2711
=14.000

Current CPI (Dec. 2025) = 135.2711.

PT Bank Amar Indonesia Tbk Annual Data

per_share_eps CPI Adj_EPS
201612 -4.000 105.222 -5.142
201712 0.540 109.017 0.670
201812 2.356 112.430 2.835
201912 7.338 115.486 8.595
202012 1.027 117.318 1.184
202112 0.448 119.516 0.507
202212 -12.000 126.098 -12.873
202312 10.000 129.395 10.454
202412 12.000 131.432 12.351
202512 14.000 135.271 14.000

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of Rp3.26 mean?
PT Bank Amar Indonesia Tbk (ISX:AMAR) has a E10 of Rp3.26 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Bank Amar Indonesia Tbk and its competitors.
Is PT Bank Amar Indonesia Tbk's E10 too high?
PT Bank Amar Indonesia Tbk's current E10 is Rp3.26. Overall, PT Bank Amar Indonesia Tbk has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Amar Indonesia Tbk's E10 compare to competitors?
PT Bank Amar Indonesia Tbk's E10 of Rp3.26 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Bank Amar Indonesia Tbk and its competitors. PT Bank Amar Indonesia Tbk's current E10 is Rp3.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Amar Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Amar Indonesia Tbk (ISX:AMAR) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp309.19, compared to a current price of Rp200.00 — trading 35.3% below its estimated fair value. The current E10 is Rp3.26. PT Bank Amar Indonesia Tbk's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For PT Bank Amar Indonesia Tbk (ISX:AMAR), the current E10 is Rp3.26 as of Mar. 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 Amar Indonesia Tbk (ISX:AMAR) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Amar Indonesia Tbk stock appears to be undervalued. The current stock price of Rp200.00 is trading 35.3% below its estimated GF Value™ of Rp309.19. GuruFocus considers PT Bank Amar Indonesia Tbk to be Significantly Undervalued.

Key valuation signals for ISX:AMAR:

  • E10: Rp3.26
  • GF Value™: Rp309.19 vs. price of Rp200.00 (35.3% below fair value)
  • GF Score™: 77/100 with 3 warning signs

No single metric tells the full story. See the ISX:AMAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Bank Amar Indonesia Tbk Business Description

Address Jalan Basuki Rahmad No. 109, Surabaya, IDN, 60271
PT Bank Amar Indonesia Tbk is engaged in providing banking activities. The company's operating segments include Online, Brick and Mortar, and Head Office. It generates maximum revenue from the Online segment. The Online segment comprises activities related to digital products and services. Its brick-and-mortar segment comprises activities related to conventional banking products and services. The Head Office segment comprises treasury and other activities. Some of its products include Aster Savings, Amar Dana Savings, Amar Cemerlang Savings, Amar Term Savings, Employee Savings, Term Deposit, On-Call Deposit, and Amar Current Account.
77GF Score

Get the complete analysis for ISX:AMAR

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp200.00
Price
Rp309.19
GF Value