PT Bank IBK Indonesia Tbk (ISX:AGRS) Scaled Net Operating Assets: 0.38 (As of Mar. 2026)

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ISX:AGRS PT Bank IBK Indonesia Tbk ISX:AGRS
51 GF Score
Price Rp62.00
GF Value Rp56.09
Valuation Modestly Overvalued
! 4 Warning Signs
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What is PT Bank IBK Indonesia Tbk Scaled Net Operating Assets?

PT Bank IBK Indonesia Tbk ISX:AGRS +3.33% 51 Scaled Net Operating Assets is 0.38 as of Mar. 2026. GuruFocus rates ISX:AGRS with a GF Score™ of 51/100 and a GF Value™ of Rp56.09 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PT Bank IBK Indonesia Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp21,320,336 Mil. PT Bank IBK Indonesia Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp12,476,246 Mil. PT Bank IBK Indonesia Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp23,406,738 Mil. Therefore, PT Bank IBK Indonesia Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.38.

ISX:AGRS
51GF Score
PT Bank IBK Indonesia Tbk ISX:AGRS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank IBK Indonesia Tbk Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PT Bank IBK Indonesia Tbk's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(21220531-12374215)/20061619
=0.44

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=23406738 - 2186207
=21220531

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17591671 - 5217456 - 0
=12374215

PT Bank IBK Indonesia Tbk's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(21320336-12476246)/23406738
=0.38

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=23638002 - 2317666
=21320336

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17789016 - 5312770 - 0
=12476246

* 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 Scaled Net Operating Assets of 0.38 mean?
PT Bank IBK Indonesia Tbk (ISX:AGRS) has a Scaled Net Operating Assets of 0.38 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PT Bank IBK Indonesia Tbk and its competitors.
Is PT Bank IBK Indonesia Tbk's Scaled Net Operating Assets too high?
PT Bank IBK Indonesia Tbk's current Scaled Net Operating Assets is 0.38. Overall, PT Bank IBK Indonesia Tbk has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank IBK Indonesia Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank IBK Indonesia Tbk's Scaled Net Operating Assets of 0.38 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PT Bank IBK Indonesia Tbk and its competitors. PT Bank IBK Indonesia Tbk's current Scaled Net Operating Assets is 0.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank IBK Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank IBK Indonesia Tbk (ISX:AGRS) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp56.09, compared to a current price of Rp62.00 — trading 10.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.38. PT Bank IBK Indonesia Tbk's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For PT Bank IBK Indonesia Tbk (ISX:AGRS), the current Scaled Net Operating Assets is 0.38 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 IBK Indonesia Tbk (ISX:AGRS) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank IBK Indonesia Tbk stock appears to be overvalued. The current stock price of Rp62.00 is trading 10.5% above its estimated GF Value™ of Rp56.09. GuruFocus considers PT Bank IBK Indonesia Tbk to be Modestly Overvalued.

Key valuation signals for ISX:AGRS:

  • Scaled Net Operating Assets: 0.38
  • GF Value™: Rp56.09 vs. price of Rp62.00 (10.5% above fair value)
  • GF Score™: 51/100 with 4 warning signs

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

PT Bank IBK Indonesia Tbk Business Description

Address Jalan Jenderal Sudirman No. 28, Wisma GKBI, Suite UG-01, Central Jakarta, Jakarta, IDN, 10210
PT Bank IBK Indonesia Tbk is an Indonesian-based banking firm. It offers various products and services designed to address the diverse financial needs of customers, both individuals and corporations. The company's product and service offerings include savings, checking accounts, time deposits, syndicated credit facilities, working capital loans, consumer loans, internet and mobile banking services, debit and credit cards, etc. Geographically, it operates across different regions in Indonesia, such as Java, its key revenue-generating market, Sumatera, Kalimantan, and Bali.
51GF Score

Get the complete analysis for ISX:AGRS

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp62.00
Price
Rp56.09
GF Value