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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
PT Bank Artha Graha Internasional Tbk's 3-Year RORE % for the quarter that ended in Mar. 2026 was 278.39%.
ISX:INPC's 3-Year RORE % is ranked better than 98.64% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs ISX:INPC: 278.39
PT Bank Artha Graha Internasional Tbk (ISX:INPC) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
PT Bank Artha Graha Internasional Tbk 3-Year RORE % Related Terms
PT Bank Artha Graha Internasional Tbk 3-Year RORE % 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 3-Year RORE % Chart
PT Bank Artha Graha Internasional Tbk 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Artha Graha Internasional Tbk's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
* 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
PT Bank Artha Graha Internasional Tbk (ISX:INPC) has a 3-Year RORE % of 278.39 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. According to the industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #20 out of 1475 companies in the Banks industry, placing it in the top 1.4%.
Is PT Bank Artha Graha Internasional Tbk's 3-Year RORE % too high?
PT Bank Artha Graha Internasional Tbk's current 3-Year RORE % is 278.39. The Banks industry median 3-Year RORE % is 9.92. PT Bank Artha Graha Internasional Tbk's value of 278.39 is 2706.4% above this industry median. Based on the distribution chart, PT Bank Artha Graha Internasional Tbk ranks #20 out of 1475 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 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Artha Graha Internasional Tbk's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #20 out of 1475 companies for 3-Year RORE %. This places PT Bank Artha Graha Internasional Tbk in the top 1% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. PT Bank Artha Graha Internasional Tbk's value of 278.39 is 2706.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % of 278.39 is 2706.4% above 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — 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 3-Year RORE % is 278.39. 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 Rp149.67, compared to a current price of Rp131.00 — trading 12.5% below its estimated fair value. The current 3-Year RORE % is 278.39 and 2706.4% above the Banks industry median of 9.92. PT Bank Artha Graha Internasional Tbk's overall GF Score™ is 47/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For PT Bank Artha Graha Internasional Tbk (ISX:INPC), the current 3-Year RORE % is 278.39 as of Mar. 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 Rp131.00 is trading 12.5% below its estimated GF Value™ of Rp149.67.
GuruFocus considers PT Bank Artha Graha Internasional Tbk to be Modestly Undervalued.
Key valuation signals for ISX:INPC:
3-Year RORE %: 278.39
GF Value™: Rp149.67 vs. price of Rp131.00 (12.5% below fair value)
Industry Position: 2706.4% above the Banks median (#20 of 1475)
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.
47GF Score
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