ISX:INPC's PB Ratio is ranked better than 79.71% of 1518
companies
in the Banks industry
Industry Median: 1.1
vs ISX:INPC: 0.70
During the past 12 months, PT Bank Artha Graha Internasional Tbk's average Book Value Per Share Growth Rate was -12.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -1.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -1.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -3.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Bank Artha Graha Internasional Tbk was 26.40% per year. The lowest was -12.40% per year. And the median was 3.20% per year.
Back to Basics: PB Ratio
PT Bank Artha Graha Internasional Tbk (ISX:INPC) 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 Artha Graha Internasional Tbk PB Ratio Related Terms
PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk PB Ratio Chart
PT Bank Artha Graha Internasional Tbk PB Ratio Competitor Comparison
For the Banks - Regional subindustry, PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk PB Ratio vs Banks Industry
PT Bank Artha Graha Internasional Tbk PB Ratio Calculation
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 Artha Graha Internasional Tbk (ISX:INPC) has a PB Ratio of 0.70 as of Jul. 06, 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 Artha Graha Internasional Tbk and its competitors. This is 112% above median its historical median of 0.33. Over the past decade, PT Bank Artha Graha Internasional Tbk's PB Ratio has ranged from 0.17 to 2.05. According to the industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #308 out of 1518 companies in the Banks industry, placing it in the top 20.3%.
Is PT Bank Artha Graha Internasional Tbk's PB Ratio too high?
PT Bank Artha Graha Internasional Tbk's current PB Ratio of 0.70 is 112% above median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 2.05. The Banks industry median PB Ratio is 1.10. PT Bank Artha Graha Internasional Tbk's value of 0.70 is 36.4% below this industry median. Based on the distribution chart, PT Bank Artha Graha Internasional Tbk ranks #308 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Artha Graha Internasional Tbk has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Artha Graha Internasional Tbk's PB Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #308 out of 1518 companies for PB Ratio. This places PT Bank Artha Graha Internasional Tbk in the top 20% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. PT Bank Artha Graha Internasional Tbk's value of 0.70 is 36.4% below this benchmark. Historically, PT Bank Artha Graha Internasional Tbk's own PB Ratio has ranged from 0.17 to 2.05 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,518 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 Artha Graha Internasional Tbk's current PB Ratio of 0.70 is 36.4% 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 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 Artha Graha Internasional Tbk and its competitors. For the Banks industry, the median PB Ratio is 1.10 — 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 PB Ratio is 0.70, which is 112% above median its own 10-year median of 0.33. 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 Rp149.47, compared to a current price of Rp132.00 — trading 11.7% below its estimated fair value. The current PB Ratio is 0.70, which is 112% above median its 10-year median of 0.33 and 36.4% below the Banks industry median of 1.10. PT Bank Artha Graha Internasional Tbk's overall GF Score™ is 51/100. 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 Artha Graha Internasional Tbk (ISX:INPC), the current PB Ratio is 0.70 as of Jul. 06, 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 Rp132.00 is trading 11.7% below its estimated GF Value™ of Rp149.47.
GuruFocus considers PT Bank Artha Graha Internasional Tbk to be Modestly Undervalued.
Key valuation signals for ISX:INPC:
PB Ratio: 0.70 (112% above median its 10-year median of 0.33)
GF Value™: Rp149.47 vs. price of Rp132.00 (11.7% below fair value)
Industry Position: 36.4% below the Banks median (#308 of 1518)
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.
51GF Score
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