Bank Agris Tbk vs KB Financial: Fair Value & Quality
Both stocks run through our valuation models. Here is how Bank Agris Tbk (AGRS) and KB Financial (105560) compare, as of Aug 11, 2026.
As of Aug 11, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Agris Tbk trades at IDR 61 versus a fair value of IDR 46 (-25%), while KB Financial trades at KRW 171,700 versus KRW 213,797 (+25%).
Bank Agris Tbk
AGRS.JK · IDR · Financials
-25%
upside to fair value
overvalued
PriceIDR 61
Fair ValueIDR 46
Quality27/100
KB Financial
105560.KO · KRW · Financials
+25%
upside to fair value
undervalued
PriceKRW 171,700
Fair ValueKRW 213,797
Quality61/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Bank Agris TbkKB Financial
Valuation
15.7×P/E (TTM)—
4.27×P/S (TTM)—
0.49×P/B—
17.9×EV/EBITDA12.3×
—PEG0.74×
—Dividend yield2.7%
—Dividend per shareKRW 4,598
Profitability
30%Net margin37%
33%Operating margin61%
3%Return on equity10%
1%Return on assets1%
Growth
-28%Revenue growth (YoY)15%
18.6%Avg. growth/yr (3Y)8.4%
25.3%Avg. growth/yr (5Y)7.1%
Balance & size
0.89×Debt / equity2.21×
$282MMarket cap$46B
expensiveGrowth qualityhealthy
KB Financial leads: 4 to 5 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
Bank Agris Tbkof which business quality 23 · market factors 38KB Financialof which business quality 54 · market factors 73
ProfitabilityMargins and returns on capital today
23
37
Quality GrowthAre margins and returns improving?
36
60
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
66
80
Low VolatilityCalm price path (market factor)
70
64
MomentumPrice trend over the last 3–12 months (market factor)
25
72
52W MomentumDistance to the 52-week high (market factor)
23
84
Net IssuanceBuybacks instead of dilution
0
100
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
Bank Agris Tbk
MultiplesIDR 62
Asset-BasedIDR 81
Economic ProfitIDR 89
1 of 4 models see the stock below the current price.
KB Financial
Dividend DiscountKRW 68,945
MultiplesKRW 223,434
Asset-BasedKRW 111,541
Economic ProfitKRW 165,559
4 of 6 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
Bank Agris Tbk
Bear IDR 34Fair Value IDR 46Bull IDR 57
IDR 61 = current price (white tick)
KB Financial
Bear KRW 160,348Fair Value KRW 213,797Bull KRW 267,246
KRW 171,700 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Bank Agris Tbk · Financials
Quality score27 · bottom 25%
Fair value upside-25% · below median
KB Financial · Financials
Quality score61 · above median
Fair value upside+25% · above median
Bottom line
As of Aug 11, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Agris Tbk trades at IDR 61 versus a fair value of IDR 46 (-25%), while KB Financial trades at KRW 171,700 versus KRW 213,797 (+25%).
KB Financial has the higher quality score (61/100).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
