PT Bank Artha Graha Internasional Tbk has the GF Score of 51, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
PT Bank Artha Graha Internasional Tbk (ISX:INPC) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
PT Bank Artha Graha Internasional Tbk GF Score Related Terms
PT Bank Artha Graha Internasional Tbk GF Score Competitor Comparison
For the Banks - Regional subindustry, PT Bank Artha Graha Internasional Tbk's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
PT Bank Artha Graha Internasional Tbk (ISX:INPC) has a GF Score of 51 as of Jul. 05, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. This is 26% below median its historical median of 69.00. Over the past decade, PT Bank Artha Graha Internasional Tbk's GF Score has ranged from 46.00 to 80.00.
Is PT Bank Artha Graha Internasional Tbk's GF Score too high?
PT Bank Artha Graha Internasional Tbk's current GF Score of 51 is 26% below median its 10-year median of 69.00. Over the past 10 years, this metric has ranged from a low of 46.00 to a high of 80.00. 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 GF Score compare to competitors?
PT Bank Artha Graha Internasional Tbk's GF Score of 51 can be compared against companies in the Banks industry. Historically, PT Bank Artha Graha Internasional Tbk's own GF Score has ranged from 46.00 to 80.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. PT Bank Artha Graha Internasional Tbk's current GF Score is 51, which is 26% below median its own 10-year median of 69.00. 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 GF Score is 51, which is 26% below median its 10-year median of 69.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For PT Bank Artha Graha Internasional Tbk (ISX:INPC), the current GF Score is 51 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:
GF Score: 51 (26% below median its 10-year median of 69.00)
GF Value™: Rp149.47 vs. price of Rp132.00 (11.7% 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.
51GF Score
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