PT Bank Raya Indonesia Tbk (ISX:AGRO) Moat Score: 0/10 (As of Jul. 07, 2026)


ISX:AGRO PT Bank Raya Indonesia Tbk ISX:AGRO
58 GF Score
Price Rp141.00
GF Value Rp209.76
Valuation Significantly Undervalued
! 1 Warning Sign
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What is PT Bank Raya Indonesia Tbk Moat Score?

PT Bank Raya Indonesia Tbk has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

PT Bank Raya Indonesia Tbk has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PT Bank Raya Indonesia Tbk might have No Moat - No discernible moat.

PT Bank Raya Indonesia Tbk  (ISX:AGRO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PT Bank Raya Indonesia Tbk Moat Score Related Terms

ISX:AGRO
58GF Score
PT Bank Raya Indonesia Tbk ISX:AGRO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT Bank Raya Indonesia Tbk (ISX:AGRO) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk stock appears to be undervalued. The current stock price of Rp141.00 is trading 32.8% below its estimated GF Value™ of Rp209.76. GuruFocus considers PT Bank Raya Indonesia Tbk to be Significantly Undervalued.

Key valuation signals for ISX:AGRO:

  • Moat Score: 0
  • GF Value™: Rp209.76 vs. price of Rp141.00 (32.8% below fair value)
  • GF Score™: 58/100 with 1 warning sign

No single metric tells the full story. See the ISX:AGRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Bank Raya Indonesia Tbk Business Description

Address Jalan Gatot Subroto No. 177A, Kel No. RT 009/01, Menteng Dalam, Tebet, Jakarta, IDN, 12870
PT Bank Raya Indonesia Tbk is an Indonesian banking corporation. The company provides services of savings deposits, demand deposits, time deposits, cash management, lending services, and other credit facilities. Its operating segments are Consumer, Retail, Middle, and Others. The bank generates its revenues in the form of interest income.
58GF Score

Get the complete analysis for ISX:AGRO

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

Rp141.00
Price
Rp209.76
GF Value