PT Bank Artha Graha Internasional Tbk (ISX:INPC) E10: Rp-0.52 (As of Mar. 2026)


ISX:INPC PT Bank Artha Graha Internasional Tbk ISX:INPC
51 GF Score
Price Rp132.00
GF Value Rp149.47
Valuation Modestly Undervalued
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What is PT Bank Artha Graha Internasional Tbk E10?

PT Bank Artha Graha Internasional Tbk ISX:INPC +4.76% 51 E10 is Rp-0.52 as of Mar. 2026. GuruFocus rates ISX:INPC with a GF Score™ of 51/100 and a GF Value™ of Rp149.47 (Modestly Undervalued).

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 Artha Graha Internasional Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was Rp2.900. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp-0.52 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank Artha Graha Internasional Tbk's average E10 Growth Rate was -120.10% per year. 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.

During the past 13 years, the highest 3-Year average E10 Growth Rate of PT Bank Artha Graha Internasional Tbk was -23.80% per year. The lowest was -25.50% per year. And the median was -24.65% per year.

As of today (2026-07-05), PT Bank Artha Graha Internasional Tbk's current stock price is Rp132.00. PT Bank Artha Graha Internasional Tbk's E10 for the quarter that ended in Mar. 2026 was Rp-0.52. PT Bank Artha Graha Internasional Tbk's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of PT Bank Artha Graha Internasional Tbk was 163.30. The lowest was 7.80. And the median was 19.82.


PT Bank Artha Graha Internasional Tbk  (ISX:INPC) 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.

During the past 13 years, the highest Shiller P/E Ratio of PT Bank Artha Graha Internasional Tbk was 163.30. The lowest was 7.80. And the median was 19.82.


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 Artha Graha Internasional Tbk E10 Related Terms


PT Bank Artha Graha Internasional Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk E10 Chart

PT Bank Artha Graha Internasional 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 6.73 5.03 3.39 2.98 -0.47

PT Bank Artha Graha Internasional 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 2.59 2.74 2.43 -0.47 -0.52

PT Bank Artha Graha Internasional Tbk E10 Competitor Comparison

For the Banks - Regional subindustry, PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where PT Bank Artha Graha Internasional Tbk's Shiller PE Ratio falls into.


ISX:INPC
51GF Score
PT Bank Artha Graha Internasional Tbk ISX:INPC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.9/136.5387*136.5387
=2.900

Current CPI (Mar. 2026) = 136.5387.

PT Bank Artha Graha Internasional Tbk Quarterly Data

per share eps CPI Adj_EPS
201606 2.405 103.212 3.182
201609 0.510 104.142 0.669
201612 -0.075 105.222 -0.097
201703 2.120 106.476 2.719
201706 2.300 107.722 2.915
201709 0.494 108.020 0.624
201712 -0.610 109.017 -0.764
201803 1.280 110.097 1.587
201806 0.962 111.085 1.182
201809 0.670 111.135 0.823
201812 0.470 112.430 0.571
201903 0.810 112.829 0.980
201906 0.783 114.730 0.932
201909 0.180 114.905 0.214
201912 -5.474 115.486 -6.472
202003 0.700 116.252 0.822
202006 0.490 116.630 0.574
202009 0.346 116.397 0.406
202012 -0.190 117.318 -0.221
202103 0.400 117.840 0.463
202106 0.908 118.184 1.049
202109 0.290 118.262 0.335
202112 -9.575 119.516 -10.939
202203 1.110 120.948 1.253
202206 0.860 123.322 0.952
202209 2.030 125.298 2.212
202212 -1.280 126.098 -1.386
202303 1.670 126.953 1.796
202306 2.660 127.663 2.845
202309 1.890 128.151 2.014
202312 1.040 129.395 1.097
202403 1.820 130.607 1.903
202406 1.670 130.792 1.743
202409 2.790 130.361 2.922
202412 1.260 131.432 1.309
202503 0.920 131.948 0.952
202506 1.580 133.241 1.619
202509 0.250 133.819 0.255
202512 -30.810 135.271 -31.099
202603 2.900 136.539 2.900

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 Rp-0.52 mean?
PT Bank Artha Graha Internasional Tbk (ISX:INPC) has a E10 of Rp-0.52 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 Artha Graha Internasional Tbk and its competitors.
Is PT Bank Artha Graha Internasional Tbk's E10 too high?
PT Bank Artha Graha Internasional Tbk's current E10 is Rp-0.52. Overall, PT Bank Artha Graha Internasional Tbk has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Artha Graha Internasional Tbk's E10 compare to competitors?
PT Bank Artha Graha Internasional Tbk's E10 of Rp-0.52 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 Artha Graha Internasional Tbk and its competitors. PT Bank Artha Graha Internasional Tbk's current E10 is Rp-0.52. 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 Rp149.47, compared to a current price of Rp132.00 — trading 11.7% below its estimated fair value. The current E10 is Rp-0.52. PT Bank Artha Graha Internasional Tbk's overall GF Score™ is 51/100. 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 Artha Graha Internasional Tbk (ISX:INPC), the current E10 is Rp-0.52 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 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 Rp132.00 is trading 11.7% below its estimated GF Value™ of Rp149.47. GuruFocus considers PT Bank Artha Graha Internasional Tbk to be Modestly Undervalued.

Key valuation signals for ISX:INPC:

  • E10: Rp-0.52
  • GF Value™: Rp149.47 vs. price of Rp132.00 (11.7% below fair value)
  • GF Score™: 51/100

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 Business Description

Address Jalan Jenderal Sudirman Kav. 52 - 53, Gedung Artha Graha, Sudirman Commercial Business District, Selatan, Jakarta, IDN, 12190
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.
51GF Score

Get the complete analysis for ISX:INPC

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

Rp132.00
Price
Rp149.47
GF Value