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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. PT Bank Artha Graha Internasional Tbk's selling, general, & admin. expense for the
three
months ended in Mar. 2026 was Rp19,233 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was Rp80,096 Mil.
PT Bank Artha Graha Internasional Tbk (ISX:INPC) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
PT Bank Artha Graha Internasional Tbk Selling, General, & Admin. Expense Related Terms
PT Bank Artha Graha Internasional Tbk Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart
PT Bank Artha Graha Internasional Tbk Selling, General, & Admin. Expense Competitor Comparison
For the Banks - Regional subindustry, PT Bank Artha Graha Internasional Tbk's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Artha Graha Internasional Tbk's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where PT Bank Artha Graha Internasional Tbk's Selling, General, & Admin. Expense falls into.
PT Bank Artha Graha Internasional Tbk Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp80,096 Mil.
* 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.
What does a Selling, General, & Admin. Expense of Rp80,096 Mil mean?
PT Bank Artha Graha Internasional Tbk (ISX:INPC) has a Selling, General, & Admin. Expense of Rp80,096 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors.
Is PT Bank Artha Graha Internasional Tbk's Selling, General, & Admin. Expense too high?
PT Bank Artha Graha Internasional Tbk's current Selling, General, & Admin. Expense is Rp80,096 Mil. Overall, PT Bank Artha Graha Internasional Tbk has a GF Score™ of 48/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Artha Graha Internasional Tbk's Selling, General, & Admin. Expense compare to competitors?
PT Bank Artha Graha Internasional Tbk's Selling, General, & Admin. Expense of Rp80,096 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. PT Bank Artha Graha Internasional Tbk's current Selling, General, & Admin. Expense is Rp80,096 Mil. 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 Rp149.99, compared to a current price of Rp134.00 — trading 10.7% below its estimated fair value. The current Selling, General, & Admin. Expense is Rp80,096 Mil. PT Bank Artha Graha Internasional Tbk's overall GF Score™ is 48/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For PT Bank Artha Graha Internasional Tbk (ISX:INPC), the current Selling, General, & Admin. Expense is Rp80,096 Mil 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 Rp134.00 is trading 10.7% below its estimated GF Value™ of Rp149.99.
GuruFocus considers PT Bank Artha Graha Internasional Tbk to be Modestly Undervalued.
Key valuation signals for ISX:INPC:
Selling, General, & Admin. Expense: Rp80,096 Mil
GF Value™: Rp149.99 vs. price of Rp134.00 (10.7% below fair value)
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.
48GF Score
Get the complete analysis for ISX:INPC
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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