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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.
* 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 Effective Interest Rate on Debt % Chart
PT Bank Artha Graha Internasional Tbk Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Artha Graha Internasional Tbk's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Artha Graha Internasional Tbk's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where PT Bank Artha Graha Internasional Tbk's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 390.02% mean?
PT Bank Artha Graha Internasional Tbk (ISX:INPC) has a Effective Interest Rate on Debt % of 390.02% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors.
Is PT Bank Artha Graha Internasional Tbk's Effective Interest Rate on Debt % too high?
PT Bank Artha Graha Internasional Tbk's current Effective Interest Rate on Debt % is 390.02%. Overall, PT Bank Artha Graha Internasional Tbk has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Artha Graha Internasional Tbk's Effective Interest Rate on Debt % compare to competitors?
PT Bank Artha Graha Internasional Tbk's Effective Interest Rate on Debt % of 390.02% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. PT Bank Artha Graha Internasional Tbk's current Effective Interest Rate on Debt % is 390.02%. 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 Fairly Valued. The stock's GF Value™ is Rp149.83, compared to a current price of Rp142.00 — trading 5.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 390.02%. PT Bank Artha Graha Internasional Tbk's overall GF Score™ is 47/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For PT Bank Artha Graha Internasional Tbk (ISX:INPC), the current Effective Interest Rate on Debt % is 390.02% 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 Rp142.00 is trading 5.2% below its estimated GF Value™ of Rp149.83.
GuruFocus considers PT Bank Artha Graha Internasional Tbk to be Fairly Valued.
Key valuation signals for ISX:INPC:
Effective Interest Rate on Debt %: 390.02%
GF Value™: Rp149.83 vs. price of Rp142.00 (5.2% below fair value)
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
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.
47GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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