PT Bank Artha Graha Internasional Tbk (ISX:INPC) FCF Yield %: 47.41 (As of Jul. 05, 2026) — Near Median


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 FCF Yield %?

PT Bank Artha Graha Internasional Tbk ISX:INPC +4.76% 51 FCF Yield % is 47.41 as of Jul. 05, 2026, which is 8% above its 10-year median of 44.02. GuruFocus rates ISX:INPC with a GF Score™ of 51/100 and a GF Value™ of Rp149.47 (Modestly Undervalued). Among 1,504 Banks companies, PT Bank Artha Graha Internasional Tbk ranks better than 86.97% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, PT Bank Artha Graha Internasional Tbk's Trailing 12-Month Free Cash Flow is Rp1,265,483 Mil, and Market Cap is Rp2,669,491 Mil. Therefore, PT Bank Artha Graha Internasional Tbk's FCF Yield % for today is 47.41%.

The historical rank and industry rank for PT Bank Artha Graha Internasional Tbk's FCF Yield % or its related term are showing as below:

ISX:INPC' s FCF Yield % Range Over the Past 10 Years
Min: -206.64   Med: 44.02   Max: 521.61
Current: 47.41


During the past 13 years, the highest FCF Yield % of PT Bank Artha Graha Internasional Tbk was 521.61%. The lowest was -206.64%. And the median was 44.02%.

ISX:INPC's FCF Yield % is ranked better than
86.97% of 1504 companies
in the Banks industry
Industry Median: 8.1 vs ISX:INPC: 47.41

PT Bank Artha Graha Internasional Tbk's FCF Margin % for the quarter that ended in Mar. 2026 was 813.87%.


PT Bank Artha Graha Internasional Tbk FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


PT Bank Artha Graha Internasional Tbk FCF Yield % Related Terms


PT Bank Artha Graha Internasional Tbk FCF Yield % Historical Data

* Premium members only.

The historical data trend for PT Bank Artha Graha Internasional Tbk's FCF Yield % 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 FCF Yield % Chart

PT Bank Artha Graha Internasional Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -119.14 40.81 -34.55 133.82 -42.13

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
FCF Yield % 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 4.13 36.02 485.06 -748.41 324.15

PT Bank Artha Graha Internasional Tbk FCF Yield % Competitor Comparison

For the Banks - Regional subindustry, PT Bank Artha Graha Internasional Tbk's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry

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

* The bar in red indicates where PT Bank Artha Graha Internasional Tbk's FCF Yield % falls into.


ISX:INPC
51GF Score
PT Bank Artha Graha Internasional Tbk ISX:INPC
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Artha Graha Internasional Tbk FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

PT Bank Artha Graha Internasional Tbk's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=-1243877 / 2952618.298
=-42.13%

PT Bank Artha Graha Internasional Tbk's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=2540260 * 4 / 3134629.015
=324.15%

* 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.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of 47.41 mean?
PT Bank Artha Graha Internasional Tbk (ISX:INPC) has a FCF Yield % of 47.41 as of Jul. 05, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. This is near median its historical median of 44.02. According to the industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #196 out of 1504 companies in the Banks industry, placing it in the top 13%.
Is PT Bank Artha Graha Internasional Tbk's FCF Yield % too high?
PT Bank Artha Graha Internasional Tbk's current FCF Yield % of 47.41 is near median its 10-year median of 44.02. The Banks industry median FCF Yield % is 8.10. PT Bank Artha Graha Internasional Tbk's value of 47.41 is 485.3% above this industry median. Based on the distribution chart, PT Bank Artha Graha Internasional Tbk ranks #196 out of 1504 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 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 FCF Yield % compare to competitors?
According to the Banks industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #196 out of 1504 companies for FCF Yield %. This places PT Bank Artha Graha Internasional Tbk in the top 13% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.10. PT Bank Artha Graha Internasional Tbk's value of 47.41 is 485.3% above this benchmark. While the company's 10-year median is 44.02 vs. the industry median of 8.10, PT Bank Artha Graha Internasional 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.10, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % 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 FCF Yield % of 47.41 is 485.3% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. For the Banks industry, the median FCF Yield % is 8.10 — 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 FCF Yield % is 47.41, which is near median its own 10-year median of 44.02. 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 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 FCF Yield % is 47.41, which is near median its 10-year median of 44.02 and 485.3% above the Banks industry median of 8.10. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For PT Bank Artha Graha Internasional Tbk (ISX:INPC), the current FCF Yield % is 47.41 as of Jul. 05, 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:

  • FCF Yield %: 47.41 (near median its 10-year median of 44.02)
  • GF Value™: Rp149.47 vs. price of Rp132.00 (11.7% below fair value)
  • GF Score™: 51/100
  • Industry Position: 485.3% above the Banks median (#196 of 1504)

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

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

Rp132.00
Price
Rp149.47
GF Value