As of today (2026-07-05), PT Bank Artha Graha Internasional Tbk's weighted average cost of capital is 36.33%%. PT Bank Artha Graha Internasional Tbk's ROIC % is 0.00% (calculated using TTM income statement data).
PT Bank Artha Graha Internasional Tbk earns returns that do not match up to its cost of capital. It will destroy value as it grows.
For a comprehensive WACC calculation, please access the WACC Calculator.
PT Bank Artha Graha Internasional Tbk (ISX:INPC) WACC % Explanation
Because it costs money to raise capital. A firm that generates higher ROIC % than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, PT Bank Artha Graha Internasional Tbk's weighted average cost of capital is 36.33%%. PT Bank Artha Graha Internasional Tbk's ROIC % is 0.00% (calculated using TTM income statement data).
PT Bank Artha Graha Internasional Tbk earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
1. GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding latest one-year quarterly average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together.
For companies that report quarterly, GuruFocus combines all of the most recent year's quarterly debt data from the beginning of the year to the year-end and calculates the average.
For companies that report semi-annually, GuruFocus combines all of the most recent year's semi-annual debt data from the start of the year to the year-end and calculates the average.
For companies that report annually, GuruFocus combines the beginning and ending annual debt data from the most recent year and then calculates the average.
2. The WACC formula discussed above does not include Preferred Stock. Please adjust if preferred stock is considered.
3. (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
4. GuruFocus uses the latest TTM Interest Expense divided by the latest one-year quarterly average debt to get the simplified cost of debt.
Related Terms
PT Bank Artha Graha Internasional Tbk WACC % 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 WACC % Chart
PT Bank Artha Graha Internasional Tbk WACC % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Artha Graha Internasional Tbk's WACC %, along with its competitors' market caps and WACC % 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 WACC % vs Banks Industry
PT Bank Artha Graha Internasional Tbk WACC % Calculation
The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. The WACC is commonly referred to as the firm's cost of capital. Generally speaking, a company's assets are financed by debt and equity. WACC is the average of the costs of these sources of financing, each of which is weighted by its respective use in the given situation. By taking a weighted average, we can see how much interest the company has to pay for every dollar it finances.
WACC
=
E
/
(E + D)
*
Cost of Equity
+
D
/
(E + D)
*
Cost of Debt
*
(1 - Tax Rate)
1. Weights:
Generally speaking, a company's assets are financed by debt and equity. We need to calculate the weight of equity and the weight of debt.
The market value of equity (E) is also called "Market Cap". As of today, PT Bank Artha Graha Internasional Tbk's market capitalization (E) is Rp2669490.504 Mil.
The market value of debt is typically difficult to calculate, therefore, GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding the latest one-year quarterly average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together. As of Mar. 2026, PT Bank Artha Graha Internasional Tbk's latest one-year quarterly average Book Value of Debt (D) is Rp200000 Mil.
a) weight of equity = E / (E + D) = 2669490.504 / (2669490.504 + 200000) = 0.9303
b) weight of debt = D / (E + D) = 200000 / (2669490.504 + 200000) = 0.0697
2. Cost of Equity:
GuruFocus uses Capital Asset Pricing Model (CAPM) to calculate the required rate of return. The formula is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
a) GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate. It is updated daily. The current risk-free rate is 4.485%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default.
b) Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. PT Bank Artha Graha Internasional Tbk's beta is 0.2614.
c) (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
Cost of Equity = 4.485% + 0.2614 * 6% = 6.0534%
3. Cost of Debt:
GuruFocus uses latest TTM Interest Expense divided by the latest one-year quarterly average debt to get the simplified cost of debt.
As of Mar. 2026, PT Bank Artha Graha Internasional Tbk's interest expense (positive number) was Rp925404 Mil. Its total Book Value of Debt (D) is Rp200000 Mil.
Cost of Debt = 925404 / 200000 = 462.702%.
4. Multiply by one minus TTM Tax Rate:
GuruFocus uses the most recent TTM Tax Expense divided by the most recent TTM Pre-Tax Income to calculate the tax rate. The calculated TTM tax rate is limited to between 0% and 100%. If the calculated tax rate is higher than 100%, it is set to 100%. If the calculated tax rate is less than 0%, it is set to 0%.
The latest calculated TTM Tax Rate = -26634 / -554219 = 4.81%.
* 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 (ISX:INPC) has a WACC % of 36.33% as of Jul. 05, 2026. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. This is 38% below median its historical median of 59.01. According to the industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #1443 out of 1544 companies in the Banks industry, placing it in the top 93.5%.
Is PT Bank Artha Graha Internasional Tbk's WACC % too high?
PT Bank Artha Graha Internasional Tbk's current WACC % of 36.33% is 38% below median its 10-year median of 59.01. The Banks industry median WACC % is 13.17. PT Bank Artha Graha Internasional Tbk's value of 36.33% is 175.9% above this industry median. Based on the distribution chart, PT Bank Artha Graha Internasional Tbk ranks #1443 out of 1544 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 WACC % compare to competitors?
According to the Banks industry distribution chart, PT Bank Artha Graha Internasional Tbk ranks #1443 out of 1544 companies for WACC %. This places PT Bank Artha Graha Internasional Tbk in the lower half of its industry. The industry median WACC % is 13.17. PT Bank Artha Graha Internasional Tbk's value of 36.33% is 175.9% above this benchmark. While the company's 10-year median is 59.01 vs. the industry median of 13.17, PT Bank Artha Graha Internasional Tbk has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good WACC % for a Banks company?
The median WACC % among Banks companies is 13.17, based on 1,544 companies in the industry. Companies in the top quartile (top 25%) have a WACC % significantly above this median, while those in the bottom quartile fall well below. However, WACC % 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 WACC % of 36.33% is 175.9% 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 WACC % mean?
A high WACC % can signal that a stock is expensive relative to its fundamentals. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on PT Bank Artha Graha Internasional Tbk and its competitors. For the Banks industry, the median WACC % is 13.17 — 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 WACC % is 36.33%, which is 38% below median its own 10-year median of 59.01. 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 WACC % is 36.33%, which is 38% below median its 10-year median of 59.01 and 175.9% above the Banks industry median of 13.17. 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 WACC % calculated?
WACC % is calculated from a company's financial statements. For PT Bank Artha Graha Internasional Tbk (ISX:INPC), the current WACC % is 36.33% as of Jul. 05, 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:
WACC %: 36.33% (38% below median its 10-year median of 59.01)
GF Value™: Rp149.47 vs. price of Rp132.00 (11.7% below fair value)
Industry Position: 175.9% above the Banks median (#1443 of 1544)
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.
51GF Score
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