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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PT Bank Amar Indonesia TbkISX:AMAR -0.95%72 5-Year Yield-on-Cost % is 3.68 as of Jul. 27, 2026, which is 3% below its 10-year median of 3.78. GuruFocus rates ISX:AMAR with a GF Score™ of 72/100 and a GF Value™ of Rp314.09 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,252 Banks companies, PT Bank Amar Indonesia Tbk ranks worse than 53.75% on this metric.
The historical rank and industry rank for PT Bank Amar Indonesia Tbk's 5-Year Yield-on-Cost % or its related term are showing as below:
ISX:AMAR'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.71 Med: 3.78 Max: 5.96
Current: 3.68
During the past 10 years, PT Bank Amar Indonesia Tbk's highest Yield on Cost was 5.96. The lowest was 0.71. And the median was 3.78.
ISX:AMAR's 5-Year Yield-on-Cost % is ranked worse than 53.75% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs ISX:AMAR: 3.68
PT Bank Amar Indonesia Tbk (ISX:AMAR) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
PT Bank Amar Indonesia Tbk 5-Year Yield-on-Cost % Related Terms
PT Bank Amar Indonesia Tbk 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Amar Indonesia Tbk's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Amar Indonesia Tbk 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Amar Indonesia Tbk's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where PT Bank Amar Indonesia Tbk's 5-Year Yield-on-Cost % falls into.
PT Bank Amar Indonesia Tbk 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
PT Bank Amar Indonesia Tbk (ISX:AMAR) has a 5-Year Yield-on-Cost % of 3.68 as of Jul. 27, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PT Bank Amar Indonesia Tbk and its competitors. This is near median its historical median of 3.78. Over the past decade, PT Bank Amar Indonesia Tbk's 5-Year Yield-on-Cost % has ranged from 0.71 to 5.96. According to the industry distribution chart, PT Bank Amar Indonesia Tbk ranks #673 out of 1252 companies in the Banks industry, placing it in the top 53.8%.
Is PT Bank Amar Indonesia Tbk's 5-Year Yield-on-Cost % too high?
PT Bank Amar Indonesia Tbk's current 5-Year Yield-on-Cost % of 3.68 is near median its 10-year median of 3.78. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 5.96. The Banks industry median 5-Year Yield-on-Cost % is 3.88. PT Bank Amar Indonesia Tbk's value of 3.68 is 5% below this industry median. Based on the distribution chart, PT Bank Amar Indonesia Tbk ranks #673 out of 1252 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Amar Indonesia Tbk has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Amar Indonesia Tbk's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, PT Bank Amar Indonesia Tbk ranks #673 out of 1252 companies for 5-Year Yield-on-Cost %. This places PT Bank Amar Indonesia Tbk in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. PT Bank Amar Indonesia Tbk's value of 3.68 is 5% below this benchmark. Historically, PT Bank Amar Indonesia Tbk's own 5-Year Yield-on-Cost % has ranged from 0.71 to 5.96 over the past decade. While the company's 10-year median is 3.78 vs. the industry median of 3.88, PT Bank Amar Indonesia Tbk has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Amar Indonesia Tbk's current 5-Year Yield-on-Cost % of 3.68 is 5% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PT Bank Amar Indonesia Tbk and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Amar Indonesia Tbk's current 5-Year Yield-on-Cost % is 3.68, which is near median its own 10-year median of 3.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Amar Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Amar Indonesia Tbk (ISX:AMAR) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp314.09, compared to a current price of Rp208.00 — trading 33.8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.68, which is near median its 10-year median of 3.78 and 5% below the Banks industry median of 3.88. PT Bank Amar Indonesia Tbk's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For PT Bank Amar Indonesia Tbk (ISX:AMAR), the current 5-Year Yield-on-Cost % is 3.68 as of Jul. 27, 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 Amar Indonesia Tbk (ISX:AMAR) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Amar Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp208.00 is trading 33.8% below its estimated GF Value™ of Rp314.09.
GuruFocus considers PT Bank Amar Indonesia Tbk to be Significantly Undervalued.
Key valuation signals for ISX:AMAR:
5-Year Yield-on-Cost %: 3.68 (near median its 10-year median of 3.78)
GF Value™: Rp314.09 vs. price of Rp208.00 (33.8% below fair value)
Industry Position: 5% below the Banks median (#673 of 1252)
No single metric tells the full story. See the ISX:AMAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Amar Indonesia Tbk is engaged in providing banking activities. The company's operating segments include Online, Brick and Mortar, and Head Office. It generates maximum revenue from the Online segment. The Online segment comprises activities related to digital products and services. Its brick-and-mortar segment comprises activities related to conventional banking products and services. The Head Office segment comprises treasury and other activities. Some of its products include Aster Savings, Amar Dana Savings, Amar Cemerlang Savings, Amar Term Savings, Employee Savings, Term Deposit, On-Call Deposit, and Amar Current Account.
72GF Score
Get the complete analysis for ISX:AMAR
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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