PT Bank Amar Indonesia Tbk (ISX:AMAR) Moat Score: 0/10 (As of Jul. 06, 2026)


ISX:AMAR PT Bank Amar Indonesia Tbk ISX:AMAR
76 GF Score
Price Rp206.00
GF Value Rp310.77
Valuation Significantly Undervalued
! 3 Warning Signs
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What is PT Bank Amar Indonesia Tbk Moat Score?

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

PT Bank Amar 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 Amar Indonesia Tbk might have No Moat - No discernible moat.

PT Bank Amar Indonesia Tbk  (ISX:AMAR) 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 Amar Indonesia Tbk Moat Score Related Terms

ISX:AMAR
76GF Score
PT Bank Amar Indonesia Tbk ISX:AMAR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 Rp206.00 is trading 33.7% below its estimated GF Value™ of Rp310.77. GuruFocus considers PT Bank Amar Indonesia Tbk to be Significantly Undervalued.

Key valuation signals for ISX:AMAR:

  • Moat Score: 0
  • GF Value™: Rp310.77 vs. price of Rp206.00 (33.7% below fair value)
  • GF Score™: 76/100 with 3 warning signs

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 Business Description

Address Jalan Basuki Rahmad No. 109, Surabaya, IDN, 60271
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

Get the complete analysis for ISX:AMAR

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

Rp206.00
Price
Rp310.77
GF Value