The historical rank and industry rank for PT Bank IBK Indonesia Tbk's Net Margin % or its related term are showing as below:
ISX:AGRS'
s Net Margin % Range Over the Past 10 Years
Min: -134.36 Med: 2.8 Max: 30.76
Current: 21.83
ISX:AGRS's Net Margin % is ranked worse than 66.3% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs ISX:AGRS: 21.83
PT Bank IBK Indonesia Tbk (ISX:AGRS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PT Bank IBK Indonesia Tbk Net Margin % Related Terms
PT Bank IBK Indonesia Tbk Net Margin % 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 IBK Indonesia Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank IBK Indonesia Tbk's Net Margin %, along with its competitors' market caps and Net Margin % 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 IBK Indonesia Tbk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank IBK Indonesia Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank IBK Indonesia Tbk's Net Margin % falls into.
* 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 IBK Indonesia Tbk (ISX:AGRS) has a Net Margin % of 21.68% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank IBK Indonesia Tbk and its competitors. This is 674% above median its historical median of 2.80. According to the industry distribution chart, PT Bank IBK Indonesia Tbk ranks #1013 out of 1528 companies in the Banks industry, placing it in the top 66.3%.
Is PT Bank IBK Indonesia Tbk's Net Margin % too high?
PT Bank IBK Indonesia Tbk's current Net Margin % of 21.68% is 674% above median its 10-year median of 2.80. The Banks industry median Net Margin % is 26.85. PT Bank IBK Indonesia Tbk's value of 21.68% is 19.2% below this industry median. Based on the distribution chart, PT Bank IBK Indonesia Tbk ranks #1013 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank IBK Indonesia Tbk has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank IBK Indonesia Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank IBK Indonesia Tbk ranks #1013 out of 1528 companies for Net Margin %. This places PT Bank IBK Indonesia Tbk in the lower half of its industry. The industry median Net Margin % is 26.85. PT Bank IBK Indonesia Tbk's value of 21.68% is 19.2% below this benchmark. While the company's 10-year median is 2.80 vs. the industry median of 26.85, PT Bank IBK Indonesia Tbk has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank IBK Indonesia Tbk's current Net Margin % of 21.68% is 19.2% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PT Bank IBK Indonesia Tbk and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank IBK Indonesia Tbk's current Net Margin % is 21.68%, which is 674% above median its own 10-year median of 2.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank IBK Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank IBK Indonesia Tbk (ISX:AGRS) is currently considered Fairly Valued. The stock's GF Value™ is Rp56.59, compared to a current price of Rp58.00 — trading 2.5% above its estimated fair value. The current Net Margin % is 21.68%, which is 674% above median its 10-year median of 2.80 and 19.2% below the Banks industry median of 26.85. PT Bank IBK Indonesia Tbk's overall GF Score™ is 50/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PT Bank IBK Indonesia Tbk (ISX:AGRS), the current Net Margin % is 21.68% as of Mar. 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 IBK Indonesia Tbk (ISX:AGRS) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank IBK Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp58.00 is trading 2.5% above its estimated GF Value™ of Rp56.59.
GuruFocus considers PT Bank IBK Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:AGRS:
Net Margin %: 21.68% (674% above median its 10-year median of 2.80)
GF Value™: Rp56.59 vs. price of Rp58.00 (2.5% above fair value)
Industry Position: 19.2% below the Banks median (#1013 of 1528)
No single metric tells the full story. See the ISX:AGRS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank IBK Indonesia Tbk is an Indonesian-based banking firm. It offers various products and services designed to address the diverse financial needs of customers, both individuals and corporations. The company's product and service offerings include savings, checking accounts, time deposits, syndicated credit facilities, working capital loans, consumer loans, internet and mobile banking services, debit and credit cards, etc. Geographically, it operates across different regions in Indonesia, such as Java, its key revenue-generating market, Sumatera, Kalimantan, and Bali.
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