PT Bank Amar Indonesia Tbk (ISX:AMAR) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ISX:AMAR PT Bank Amar Indonesia Tbk ISX:AMAR
77 GF Score
Price Rp208.00
GF Value Rp313.30
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is PT Bank Amar Indonesia Tbk Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

PT Bank Amar Indonesia Tbk Quality Rank Related Terms

ISX:AMAR
77GF Score
PT Bank Amar Indonesia Tbk ISX:AMAR
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 Rp208.00 is trading 33.6% below its estimated GF Value™ of Rp313.30. GuruFocus considers PT Bank Amar Indonesia Tbk to be Significantly Undervalued.

Key valuation signals for ISX:AMAR:

  • Quality Rank:
  • GF Value™: Rp313.30 vs. price of Rp208.00 (33.6% below fair value)
  • GF Score™: 77/100 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.
77GF Score

Get the complete analysis for ISX:AMAR

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

Rp208.00
Price
Rp313.30
GF Value