PT Bank Ganesha Tbk (ISX:BGTG) Risk Assessment

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:BGTG PT Bank Ganesha Tbk ISX:BGTG
60 GF Score
Price Rp108.00
GF Value Rp72.94
Valuation Significantly Overvalued
! 2 Warning Signs
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What is PT Bank Ganesha Tbk Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of PT Bank Ganesha Tbk is: High Risk: High uncertainty with risk-return tradeoff.

PT Bank Ganesha Tbk  (ISX:BGTG) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

PT Bank Ganesha Tbk Risk Assessment Related Terms

PT Bank Ganesha Tbk Risk Assessment Competitor Comparison

For the Banks - Regional subindustry, PT Bank Ganesha Tbk's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Ganesha Tbk Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Ganesha Tbk's Risk Assessment distribution charts can be found below:

* The bar in red indicates where PT Bank Ganesha Tbk's Risk Assessment falls into.


ISX:BGTG
60GF Score
PT Bank Ganesha Tbk ISX:BGTG
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is PT Bank Ganesha Tbk (ISX:BGTG) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Ganesha Tbk stock appears to be overvalued. The current stock price of Rp108.00 is trading 48.1% above its estimated GF Value™ of Rp72.94. GuruFocus considers PT Bank Ganesha Tbk to be Significantly Overvalued.

Key valuation signals for ISX:BGTG:

  • Risk Assessment:
  • GF Value™: Rp72.94 vs. price of Rp108.00 (48.1% above fair value)
  • GF Score™: 60/100 with 2 warning signs

No single metric tells the full story. See the ISX:BGTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Bank Ganesha Tbk Business Description

Address Jalan Hayam Wuruk No. 8, Wisma Hayam Wuruk, 1st & 2nd Floor, Central Jakarta, Jakarta, IDN, 10120
PT Bank Ganesha Tbk operates as a commercial bank. The bank's operational segment is divided based on products and services, consisting of Banking, Consumer, Treasury, and Other businesses. The majority of the revenue is derived from the Consumer segment. The bank offers time deposits, current accounts, and savings accounts, as well as extends loans to commercial, SME, and corporate segments. The bank also offers export and import payment transactions, foreign exchange, and other banking services. All operations of the bank are in the territory of Indonesia.
60GF Score

Get the complete analysis for ISX:BGTG

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

Rp108.00
Price
Rp72.94
GF Value