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PT Bank Amar Indonesia TbkISX:AMAR 76 EV-to-OCF is 21.54 as of Sep. 01, 2026, which is 561% above its 10-year median of 3.26. GuruFocus rates ISX:AMAR with a GF Score™ of 76/100 and a GF Value™ of Rp264.58 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,492 Banks companies, PT Bank Amar Indonesia Tbk ranks worse than 90.08% on this metric.
The historical rank and industry rank for PT Bank Amar Indonesia Tbk's EV-to-OCF or its related term are showing as below:
ISX:AMAR'
s EV-to-OCF Range Over the Past 10 Years
Min: -15.82 Med: 3.26 Max: 60.24
Current: 21.54
During the past 10 years, the highest EV-to-OCF of PT Bank Amar Indonesia Tbk was 60.24. The lowest was -15.82. And the median was 3.26.
ISX:AMAR's EV-to-OCF is ranked worse than 90.08% of 1492
companies
in the Banks industry
Industry Median: 3.935
vs ISX:AMAR: 21.54
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PT Bank Amar Indonesia Tbk (ISX:AMAR) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PT Bank Amar Indonesia Tbk's PE Ratio (TTM) for today is calculated as:
PT Bank Amar Indonesia Tbk's share price for today is Rp234.00.
PT Bank Amar Indonesia Tbk's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp16.000.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PT Bank Amar Indonesia Tbk EV-to-OCF Related Terms
PT Bank Amar Indonesia Tbk EV-to-OCF 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 Amar Indonesia Tbk EV-to-OCF Competitor Comparison
For the Banks - Regional subindustry, PT Bank Amar Indonesia Tbk's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Amar Indonesia Tbk's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where PT Bank Amar Indonesia Tbk's EV-to-OCF falls into.
PT Bank Amar Indonesia Tbk's current Enterprise Value is Rp3,544,455 Mil.
PT Bank Amar Indonesia Tbk's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp164,586 Mil.
* 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 (ISX:AMAR) has a EV-to-OCF of 21.54 as of Sep. 01, 2026. This is 561% above median its historical median of 3.26. According to the industry distribution chart, PT Bank Amar Indonesia Tbk ranks #1344 out of 1492 companies in the Banks industry, placing it in the top 90.1%.
Is PT Bank Amar Indonesia Tbk's EV-to-OCF too high?
PT Bank Amar Indonesia Tbk's current EV-to-OCF of 21.54 is 561% above median its 10-year median of 3.26. The Banks industry median EV-to-OCF is 3.94. PT Bank Amar Indonesia Tbk's value of 21.54 is 447.4% above this industry median. Based on the distribution chart, PT Bank Amar Indonesia Tbk ranks #1344 out of 1492 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Amar Indonesia Tbk has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Amar Indonesia Tbk's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, PT Bank Amar Indonesia Tbk ranks #1344 out of 1492 companies for EV-to-OCF. This places PT Bank Amar Indonesia Tbk in the lower half of its industry. The industry median EV-to-OCF is 3.94. PT Bank Amar Indonesia Tbk's value of 21.54 is 447.4% above this benchmark. While the company's 10-year median is 3.26 vs. the industry median of 3.94, PT Bank Amar Indonesia Tbk has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.94, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Amar Indonesia Tbk's current EV-to-OCF of 21.54 is 447.4% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Amar Indonesia Tbk's current EV-to-OCF is 21.54, which is 561% above median its own 10-year median of 3.26. 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 Modestly Undervalued. The stock's GF Value™ is Rp264.58, compared to a current price of Rp234.00 — trading 11.6% below its estimated fair value. The current EV-to-OCF is 21.54, which is 561% above median its 10-year median of 3.26 and 447.4% above the Banks industry median of 3.94. PT Bank Amar Indonesia Tbk's overall GF Score™ is 76/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For PT Bank Amar Indonesia Tbk (ISX:AMAR), the current EV-to-OCF is 21.54 as of Sep. 01, 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 Rp234.00 is trading 11.6% below its estimated GF Value™ of Rp264.58.
GuruFocus considers PT Bank Amar Indonesia Tbk to be Modestly Undervalued.
Key valuation signals for ISX:AMAR:
EV-to-OCF: 21.54 (561% above median its 10-year median of 3.26)
GF Value™: Rp264.58 vs. price of Rp234.00 (11.6% below fair value)
Industry Position: 447.4% above the Banks median (#1344 of 1492)
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 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.
76GF Score
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