Bank Agris Tbk (AGRS) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Bank Agris Tbk IDR 61, price IDR 58, upside +5.6%, quality 26 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 51.00 IDR – 449.71 IDR · fair‑value band 51.48 IDR – 65.63 IDR · the 58.00 IDR price screens below the 61.22 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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PT Bank IBK Indonesia Tbk provides various banking products and services in Indonesia. The company offers current accounts; savings and time deposits; ATM services; and various loans. The company was founded in 1973 and is headquartered in Jakarta Pusat, Indonesia. PT Bank IBK Indonesia Tbk is a subsidiary of Industrial Bank of Korea.
Stock analysis
Bank Agris Tbk (AGRS) currently trades at 58.00 IDR, while our model-based Fair Value estimate is 61.22 IDR, implying the stock looks roughly 5.3% fairly valued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 81.40 IDR per share, and 3 of the 4 models we run sit above the 58.00 IDR price.
Bear case: the Multiples group reads lowest at 53.62 IDR, and 1 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 51.48 IDR (bear) to 65.63 IDR (bull), the price of 58.00 IDR sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 26/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Bank Agris Tbk reported revenue of 1.5T IDR in FY2025 versus 616B IDR in FY2021, a compound +24.7%/yr. Reported net income was 197B IDR in FY2025, compounding +98.3%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 2.8T IDR (≈ $155M) · P/E ratio 15.4 · P/S ratio 2.04 · EPS (TTM) 3.76 IDR · Net margin 13.2% · Return on equity 3.5% · Return on assets (EBIT) 0.8% · Operating margin 33.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 6%, AGRS screens cheaper than that median.
Fair Value models
Bear 51.48 IDRFair Value 61.22 IDRBull 65.63 IDR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (2.76 IDR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+1.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.3%
Start year 2020 (pandemic). Over 10 years: +13.6% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.3%
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What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+37.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+37.8%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.38% vs 21%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−36% → 17%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 6.3%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score27 · Bottom 25%
Fair Value upside+6% · Above median
Profitability
Return on equity (TTM)3% · Bottom 25%
Return on assets1% · Below median
Net margin (TTM)30% · Above median
Operating margin (TTM)33% · Below median
Growth and dividend
Revenue growth−28% · Bottom 25%
Balance sheet
Debt / equity0.89× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Bank Agris Tbk (AGRS) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 61.22 IDR versus a price of 58.00 IDR, about +6% upside (fairly valued).
What is the fair value of AGRS?
Our model-based fair value for Bank Agris Tbk is 61.22 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 58.00 IDR.
What is the quality score of AGRS?
Bank Agris Tbk has a Quality Score of 26/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Agris Tbk (AGRS)?
Our model-based price target is the fair value of 61.22 IDR (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 51.48 IDR, optimistic scenario 65.63 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Agris Tbk stock forecast for 2026?
Our models put fair value at 61.22 IDR, about +6% upside versus a price of 58.00 IDR (fairly valued). Cautious scenario 51.48 IDR, optimistic scenario 65.63 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Agris Tbk (AGRS)?
Bank Agris Tbk reported trailing-twelve-month revenue of about 662B IDR (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Bank Agris Tbk (AGRS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Agris Tbk it is 61.22 IDR per share (as of Sep 24, 2026), against a price of 58.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Agris Tbk stock overvalued or undervalued in 2026?
As of Sep 24, 2026, AGRS trades below its calculated fair value: price 58.00 IDR, fair value 61.22 IDR, a gap of about +6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AGRS?
No. The price is what the market pays today (58.00 IDR); the fair value is what the company's own numbers justify (61.22 IDR). For Bank Agris Tbk the two are 3.22 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Agris Tbk worth?
The market values Bank Agris Tbk at about 2.8T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 58.00 IDR; our models calculate a fair value of 61.22 IDR per share.
What do the bullish and bearish scenarios say about AGRS?
Our models span a range for Bank Agris Tbk: cautious scenario 51.48 IDR, base 61.22 IDR, optimistic 65.63 IDR per share (as of Sep 24, 2026, price 58.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AGRS?
Bank Agris Tbk trades at a price-to-earnings ratio of 15.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 61.22 IDR is built from several models across several years. Other multiples: P/B 0.5, P/S 4.2, EV/EBITDA 17.8.
How solid is the balance sheet of Bank Agris Tbk (AGRS)?
Balance-sheet figures for Bank Agris Tbk (as of Sep 24, 2026): return on equity 3.5%, debt of 0.89 per unit of equity. They feed the Quality Score of 26/100, which measures business quality independently of the share price.
How far is AGRS from its 52-week high?
Bank Agris Tbk trades at 58.00 IDR, about 35% below its 52-week high of 89.00 IDR and 7% above the low of 54.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 61.22 IDR is for.
Which stocks are comparable to Bank Agris Tbk?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Agris Tbk stock attractive at the current price?
The data as of Sep 24, 2026: price 58.00 IDR, calculated fair value 61.22 IDR (+6%), Quality Score 26/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AGRS calculated?
We run Bank Agris Tbk through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 61.22 IDR, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Bank Agris Tbk currently trades 6 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Agris Tbk (AGRS)?
The closing price on Sep 24, 2026 was 58.00 IDR. Our model-based fair value is 61.22 IDR, about +6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Agris Tbk right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank Agris Tbk (AGRS) come from?
Earnings per share at Bank Agris Tbk grew +25.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share −5.8 %, EBIT margin +28.5 %, tax rate +3.7 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Bank Agris Tbk
How large is the market capitalisation of Bank Agris Tbk (AGRS)?
The market capitalisation of Bank Agris Tbk is 2.8T IDR (≈ $155M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Agris Tbk (AGRS)?
The price-to-sales ratio of Bank Agris Tbk is 2.04 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Agris Tbk (AGRS)?
Earnings per share at Bank Agris Tbk are 3.76 IDR (price ÷ EPS = P/E 15.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Agris Tbk (AGRS)?
The net margin of Bank Agris Tbk is 13.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Agris Tbk (AGRS)?
The return on equity (ROE) of Bank Agris Tbk is 3.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Agris Tbk (AGRS)?
On an EBIT basis the return on assets of Bank Agris Tbk is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Agris Tbk (AGRS)?
The operating margin of Bank Agris Tbk is 33.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Agris Tbk (AGRS)?
Revenue at Bank Agris Tbk is growing −28.2% versus a year earlier (3y avg +18.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Agris Tbk (AGRS)?
Earnings per share at Bank Agris Tbk are growing −8.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Agris Tbk (AGRS) generate?
The free cash flow of Bank Agris Tbk is −280B IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank Agris Tbk (AGRS) carry?
The net debt of Bank Agris Tbk is 3.0T IDR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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