ISX:INPC'
s Net Margin % Range Over the Past 10 Years
Min: -44.01 Med: 4.6 Max: 12.1
Current: -40.01
ISX:INPC's Net Margin % is ranked worse than 98.1% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs ISX:INPC: -40.01
PT Bank Artha Graha Internasional Tbk (ISX:INPC) 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 Artha Graha Internasional Tbk Net Margin % Related Terms
PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk Net Margin % Chart
PT Bank Artha Graha Internasional Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk Net Margin % vs Banks Industry
* 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 Net Margin % of 18.77% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. This is 308% above median its historical median of 4.60. According to the industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #1498 out of 1527 companies in the Banks industry, placing it in the top 98.1%.
Is PT Bank Artha Graha Internasional Tbk's Net Margin % too high?
PT Bank Artha Graha Internasional Tbk's current Net Margin % of 18.77% is 308% above median its 10-year median of 4.60. The Banks industry median Net Margin % is 26.95. PT Bank Artha Graha Internasional Tbk's value of 18.77% is 30.4% below this industry median. Based on the distribution chart, PT Bank Artha Graha Internasional Tbk ranks #1498 out of 1527 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 48/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Artha Graha Internasional Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #1498 out of 1527 companies for Net Margin %. This places PT Bank Artha Graha Internasional Tbk in the lower half of its industry. The industry median Net Margin % is 26.95. PT Bank Artha Graha Internasional Tbk's value of 18.77% is 30.4% below this benchmark. While the company's 10-year median is 4.60 vs. the industry median of 26.95, PT Bank Artha Graha Internasional 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 26.95, based on 1,527 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 Artha Graha Internasional Tbk's current Net Margin % of 18.77% is 30.4% 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 Artha Graha Internasional Tbk and its competitors. For the Banks industry, the median Net Margin % is 26.95 — 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 Net Margin % is 18.77%, which is 308% above median its own 10-year median of 4.60. 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 Rp149.27, compared to a current price of Rp125.00 — trading 16.3% below its estimated fair value. The current Net Margin % is 18.77%, which is 308% above median its 10-year median of 4.60 and 30.4% below the Banks industry median of 26.95. PT Bank Artha Graha Internasional Tbk's overall GF Score™ is 48/100. 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 Artha Graha Internasional Tbk (ISX:INPC), the current Net Margin % is 18.77% 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 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 Rp125.00 is trading 16.3% below its estimated GF Value™ of Rp149.27.
GuruFocus considers PT Bank Artha Graha Internasional Tbk to be Modestly Undervalued.
Key valuation signals for ISX:INPC:
Net Margin %: 18.77% (308% above median its 10-year median of 4.60)
GF Value™: Rp149.27 vs. price of Rp125.00 (16.3% below fair value)
Industry Position: 30.4% below the Banks median (#1498 of 1527)
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.
48GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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