PT Bank Artha Graha Internasional Tbk (ISX:INPC) 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:INPC PT Bank Artha Graha Internasional Tbk ISX:INPC
47 GF Score
Price Rp145.00
GF Value Rp149.75
Valuation Fairly Valued
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What is PT Bank Artha Graha Internasional 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 Artha Graha Internasional Tbk Quality Rank Related Terms

ISX:INPC
47GF Score
PT Bank Artha Graha Internasional Tbk ISX:INPC
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 Rp145.00 is trading 3.2% below its estimated GF Value™ of Rp149.75. GuruFocus considers PT Bank Artha Graha Internasional Tbk to be Fairly Valued.

Key valuation signals for ISX:INPC:

  • Quality Rank:
  • GF Value™: Rp149.75 vs. price of Rp145.00 (3.2% below fair value)
  • GF Score™: 47/100

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

Address Jalan Jenderal Sudirman Kav. 52 - 53, Gedung Artha Graha, Sudirman Commercial Business District, Selatan, Jakarta, IDN, 12190
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.
47GF Score

Get the complete analysis for ISX:INPC

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

Rp145.00
Price
Rp149.75
GF Value