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PT Bank Artha Graha Internasional Tbk (ISX:INPC) Financial Strength : 5 (As of Mar. 2025)


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What is PT Bank Artha Graha Internasional Tbk Financial Strength?

PT Bank Artha Graha Internasional Tbk has the Financial Strength Rank of 5.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate PT Bank Artha Graha Internasional Tbk's interest coverage with the available data. PT Bank Artha Graha Internasional Tbk's debt to revenue ratio for the quarter that ended in Mar. 2025 was 0.18. Altman Z-Score does not apply to banks and insurance companies.


PT Bank Artha Graha Internasional Tbk Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

PT Bank Artha Graha Internasional Tbk's Interest Expense for the months ended in Mar. 2025 was Rp-236,001 Mil. Its Operating Income for the months ended in Mar. 2025 was Rp0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was Rp200,000 Mil.

PT Bank Artha Graha Internasional Tbk's Interest Coverage for the quarter that ended in Mar. 2025 is

The higher the ratio, the stronger the company's financial strength is.

Good Sign:

Ben Graham prefers companies' interest coverage to be at least 5. PT Bank Artha Graha Internasional Tbk has enough cash to cover all of its debt. Its financial situation is stable.

2. Debt to revenue ratio. The lower, the better.

PT Bank Artha Graha Internasional Tbk's Debt to Revenue Ratio for the quarter that ended in Mar. 2025 is

Debt to Revenue Ratio=Total Debt (Q: Mar. 2025 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 200000) / 1116816
=0.18

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

PT Bank Artha Graha Internasional Tbk has the Financial Strength Rank of 5.


PT Bank Artha Graha Internasional Tbk Financial Strength Related Terms

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PT Bank Artha Graha Internasional Tbk Business Description

Traded in Other Exchanges
N/A
Address
Jalan Jenderal Sudirman Kav. 52 - 53, Artha Graha Building, Sudirman Commercial Business District, Selatan, Jakarta, IDN, 12190
PT Bank Artha Graha Internasional Tbk is a commercial bank that offers various products and services to its customers. These include basic banking products such as savings, current accounts, and deposits, as well as digital banking features and services that make banking activities more convenient for customers. The company also provides digital services through internal channels such as Grahacash ATMs, Mobile Banking, Corporate Internet Banking, and Retail Internet Banking. Its segments include Productive, Consumer, Treasury, and Others. The majority of its revenue comes from the Productive segment, which provides loans to the productive sector, including working capital and investment loans.