This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
ISX:INPC'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.83 Med: 1.5 Max: 3.2
Current: 1.7
During the past 13 years, the highest Price to Median PS Value of PT Bank Artha Graha Internasional Tbk was 3.20. The lowest was 0.83. And the median was 1.50.
ISX:INPC's Price-to-Median-PS-Value is ranked worse than 85.03% of 1042
companies
in the Banks industry
Industry Median: 1.11
vs ISX:INPC: 1.70
PT Bank Artha Graha Internasional Tbk (ISX:INPC) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
PT Bank Artha Graha Internasional Tbk's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
132.00
/
77.62
=
1.70
* 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 Median PS Value Related Terms
PT Bank Artha Graha Internasional Tbk Median PS Value 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 Artha Graha Internasional Tbk Median PS Value Chart
PT Bank Artha Graha Internasional Tbk Median PS Value Competitor Comparison
For the Banks - Regional subindustry, PT Bank Artha Graha Internasional Tbk's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Artha Graha Internasional Tbk's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where PT Bank Artha Graha Internasional Tbk's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.1905.
PT Bank Artha Graha Internasional Tbk's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp65.201.
* 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 (ISX:INPC) has a Median PS Value of Rp77.62 as of Jul. 05, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. This is 5075% above median its historical median of 1.50. Over the past decade, PT Bank Artha Graha Internasional Tbk's Median PS Value has ranged from 0.83 to 3.20. According to the industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #886 out of 1042 companies in the Banks industry, placing it in the top 85%.
Is PT Bank Artha Graha Internasional Tbk's Median PS Value too high?
PT Bank Artha Graha Internasional Tbk's current Median PS Value of Rp77.62 is 5075% above median its 10-year median of 1.50. Over the past 10 years, this metric has ranged from a low of 0.83 to a high of 3.20. Based on the distribution chart, PT Bank Artha Graha Internasional Tbk ranks #886 out of 1042 companies in the Banks industry, which is in the bottom quartile 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 Median PS Value compare to competitors?
According to the Banks industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #886 out of 1042 companies for Median PS Value. This places PT Bank Artha Graha Internasional Tbk in the lower half of its industry. The industry median Median PS Value is 1.11. Historically, PT Bank Artha Graha Internasional Tbk's own Median PS Value has ranged from 0.83 to 3.20 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. For the Banks industry, the median Median PS Value is 1.11 — 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 Median PS Value is Rp77.62, which is 5075% above median its own 10-year median of 1.50. 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 Median PS Value is Rp77.62, which is 5075% above median its 10-year median of 1.50. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For PT Bank Artha Graha Internasional Tbk (ISX:INPC), the current Median PS Value is Rp77.62 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:
Median PS Value: Rp77.62 (5075% above median its 10-year median of 1.50)
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
Get the complete analysis for ISX:INPC
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:INPC has been successfully added to your 
