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PT Bank Raya Indonesia TbkISX:AGRO 56 PB Ratio is 1.21 as of Jul. 16, 2026, which is 44% below its 10-year median of 2.16. GuruFocus rates ISX:AGRO with a GF Score™ of 56/100 and a GF Value™ of Rp208.98 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,517 Banks companies, PT Bank Raya Indonesia Tbk ranks worse than 58.54% on this metric.
PT Bank Raya Indonesia Tbk stock PB Ratio (=1.18) is close to 5-year low of 1.15.
The historical rank and industry rank for PT Bank Raya Indonesia Tbk's PB Ratio or its related term are showing as below:
ISX:AGRO'
s PB Ratio Range Over the Past 10 Years
Min: 0.42 Med: 2.16 Max: 18.36
Current: 1.22
During the past 13 years, PT Bank Raya Indonesia Tbk's highest PB Ratio was 18.36. The lowest was 0.42. And the median was 2.16.
ISX:AGRO's PB Ratio is ranked worse than 58.54% of 1517
companies
in the Banks industry
Industry Median: 1.11
vs ISX:AGRO: 1.22
During the past 12 months, PT Bank Raya Indonesia Tbk's average Book Value Per Share Growth Rate was -14.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -3.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -4.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -0.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Bank Raya Indonesia Tbk was 23.70% per year. The lowest was -18.90% per year. And the median was 5.40% per year.
Back to Basics: PB Ratio
PT Bank Raya Indonesia Tbk (ISX:AGRO) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PT Bank Raya Indonesia Tbk PB Ratio Related Terms
PT Bank Raya Indonesia Tbk PB Ratio 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 Raya Indonesia Tbk PB Ratio Competitor Comparison
For the Banks - Regional subindustry, PT Bank Raya Indonesia Tbk's PB Ratio, along with its competitors' market caps and PB Ratio 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 Raya Indonesia Tbk PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Raya Indonesia Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Bank Raya Indonesia Tbk's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PT Bank Raya Indonesia Tbk (ISX:AGRO) has a PB Ratio of 1.21 as of Jul. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Raya Indonesia Tbk and its competitors. This is 44% below median its historical median of 2.16. Over the past decade, PT Bank Raya Indonesia Tbk's PB Ratio has ranged from 0.42 to 18.36. According to the industry distribution chart, PT Bank Raya Indonesia Tbk ranks #888 out of 1517 companies in the Banks industry, placing it in the top 58.5%.
Is PT Bank Raya Indonesia Tbk's PB Ratio too high?
PT Bank Raya Indonesia Tbk's current PB Ratio of 1.21 is 44% below median its 10-year median of 2.16. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 18.36. The Banks industry median PB Ratio is 1.11. PT Bank Raya Indonesia Tbk's value of 1.21 is 9% above this industry median. Based on the distribution chart, PT Bank Raya Indonesia Tbk ranks #888 out of 1517 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Raya Indonesia Tbk has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Raya Indonesia Tbk's PB Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Raya Indonesia Tbk ranks #888 out of 1517 companies for PB Ratio. This places PT Bank Raya Indonesia Tbk in the lower half of its industry. The industry median PB Ratio is 1.11. PT Bank Raya Indonesia Tbk's value of 1.21 is 9% above this benchmark. Historically, PT Bank Raya Indonesia Tbk's own PB Ratio has ranged from 0.42 to 18.36 over the past decade. While the company's 10-year median is 2.16 vs. the industry median of 1.11, PT Bank Raya Indonesia Tbk has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Raya Indonesia Tbk's current PB Ratio of 1.21 is 9% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Raya Indonesia Tbk and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Raya Indonesia Tbk's current PB Ratio is 1.21, which is 44% below median its own 10-year median of 2.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Raya Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk (ISX:AGRO) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp208.98, compared to a current price of Rp145.00 — trading 30.6% below its estimated fair value. The current PB Ratio is 1.21, which is 44% below median its 10-year median of 2.16 and 9% above the Banks industry median of 1.11. PT Bank Raya Indonesia Tbk's overall GF Score™ is 56/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PT Bank Raya Indonesia Tbk (ISX:AGRO), the current PB Ratio is 1.21 as of Jul. 16, 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 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 Rp145.00 is trading 30.6% below its estimated GF Value™ of Rp208.98.
GuruFocus considers PT Bank Raya Indonesia Tbk to be Significantly Undervalued.
Key valuation signals for ISX:AGRO:
PB Ratio: 1.21 (44% below median its 10-year median of 2.16)
GF Value™: Rp208.98 vs. price of Rp145.00 (30.6% below fair value)
Industry Position: 9% above the Banks median (#888 of 1517)
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 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.
56GF Score
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