PT Bank Artha Graha Internasional Tbk (ISX:INPC) Scaled Net Operating Assets: -0.08 (As of Mar. 2026)


ISX:INPC PT Bank Artha Graha Internasional Tbk ISX:INPC
51 GF Score
Price Rp132.00
GF Value Rp149.47
Valuation Modestly Undervalued
View Full Analysis

What is PT Bank Artha Graha Internasional Tbk Scaled Net Operating Assets?

PT Bank Artha Graha Internasional Tbk ISX:INPC +4.76% 51 Scaled Net Operating Assets is -0.08 as of Mar. 2026. GuruFocus rates ISX:INPC with a GF Score™ of 51/100 and a GF Value™ of Rp149.47 (Modestly Undervalued).

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

PT Bank Artha Graha Internasional Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp24,159,769 Mil. PT Bank Artha Graha Internasional Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp26,287,298 Mil. PT Bank Artha Graha Internasional Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp27,573,818 Mil. Therefore, PT Bank Artha Graha Internasional Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.08.

ISX:INPC
51GF Score
PT Bank Artha Graha Internasional Tbk ISX:INPC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Artha Graha Internasional 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 Artha Graha Internasional 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 )
=(22060424-23572697)/30126393
=-0.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=27573818 - 5513394
=22060424

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=23772697 - 200000 - 0
=23572697

PT Bank Artha Graha Internasional 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 )
=(24159769-26287298)/27573818
=-0.08

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=30312535 - 6152766
=24159769

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=26487298 - 200000 - 0
=26287298

* 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 -0.08 mean?
PT Bank Artha Graha Internasional Tbk (ISX:INPC) has a Scaled Net Operating Assets of -0.08 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 Artha Graha Internasional Tbk and its competitors.
Is PT Bank Artha Graha Internasional Tbk's Scaled Net Operating Assets too high?
PT Bank Artha Graha Internasional Tbk's current Scaled Net Operating Assets is -0.08. Overall, PT Bank Artha Graha Internasional Tbk has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Artha Graha Internasional Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Artha Graha Internasional Tbk's Scaled Net Operating Assets of -0.08 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 Artha Graha Internasional Tbk and its competitors. PT Bank Artha Graha Internasional Tbk's current Scaled Net Operating Assets is -0.08. 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 Rp149.47, compared to a current price of Rp132.00 — trading 11.7% below its estimated fair value. The current Scaled Net Operating Assets is -0.08. PT Bank Artha Graha Internasional Tbk's overall GF Score™ is 51/100. 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 Artha Graha Internasional Tbk (ISX:INPC), the current Scaled Net Operating Assets is -0.08 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 Rp132.00 is trading 11.7% below its estimated GF Value™ of Rp149.47. GuruFocus considers PT Bank Artha Graha Internasional Tbk to be Modestly Undervalued.

Key valuation signals for ISX:INPC:

  • Scaled Net Operating Assets: -0.08
  • GF Value™: Rp149.47 vs. price of Rp132.00 (11.7% below fair value)
  • GF Score™: 51/100

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

Address Jalan Jenderal Sudirman Kav. 52 - 53, Gedung Artha Graha, Sudirman Commercial Business District, Selatan, Jakarta, IDN, 12190
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.
51GF Score

Get the complete analysis for ISX:INPC

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

Rp132.00
Price
Rp149.47
GF Value