Bank Agris Tbk (AGRS) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bank Agris Tbk stock IDR 72, price IDR 54, upside +33.4%, quality 33 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range 50.00 IDR – 449.71 IDR · fair‑value band 60.56 IDR – 89.78 IDR · the 54.00 IDR price screens below the 72.02 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 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.
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PT Bank IBK Indonesia Tbk is a subsidiary of Industrial Bank of Korea.
Stock analysis
Bank Agris Tbk (AGRS) currently trades at 54.00 IDR, while our model-based Fair Value estimate is 72.02 IDR, implying the stock looks roughly 25% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 81.15 IDR per share, and 3 of the 4 models we run sit above the 54.00 IDR price.
Bear case: the Multiples group reads lowest at 71.82 IDR, and 1 of the 4 models stay below the price. Data coverage for this calculation is low.
Scenario range: 60.56 IDR (bear) to 89.78 IDR (bull), the price of 54.00 IDR sits below 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 33/100 (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 2.6T IDR (≈ $144M) Micro · P/E ratio 9.6 · P/S ratio 3.74 · EPS (TTM) 5.63 IDR · Net margin 31.6% · Return on equity 3.8% · Return on assets (EBIT) 0.8% (5-year average) · Operating margin 56.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (low confidence).
What moves the price
The share trades about 39% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 33%, AGRS screens cheaper than that median.
Fair Value models
Bear60.56 IDRFair Value 72.02 IDRBull89.78 IDR
Price 54.00 IDR · Upside +33.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (4.83 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.base effect: 37.8% / 20.6%
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%
Pace: the 5-year rate starts in 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 · 996 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score33 · Bottom 25%
Fair Value upside+33.4% · Top 25%
Profitability
Return on equity (12 months)3.8% · Bottom 25%
Return on assets0.8% · Below median
Net margin (12 months)31.6% · Above median
Operating margin (12 months)56.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)27.4% · Top 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 Nov 8, 2026, our model estimates a fair value of 72.02 IDR versus a price of 54.00 IDR, about +33% upside (undervalued).
What is the fair value of AGRS?
Our model-based fair value for Bank Agris Tbk is 72.02 IDR (as of Nov 8, 2026), built from audited fundamentals. The current price: 54.00 IDR.
What is the quality score of AGRS?
Bank Agris Tbk has a Quality Score of 33/100. 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 72.02 IDR (as of Nov 8, 2026) from 4 valuation models. Cautious scenario 60.56 IDR, optimistic scenario 89.78 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 72.02 IDR, about +33% upside versus a price of 54.00 IDR (undervalued). Cautious scenario 60.56 IDR, optimistic scenario 89.78 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 692B IDR (latest available figure, as of Nov 8, 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 72.02 IDR per share (as of Nov 8, 2026), against a price of 54.00 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Bank Agris Tbk stock overvalued or undervalued in 2026?
As of Nov 8, 2026, AGRS trades below its calculated fair value: price 54.00 IDR, fair value 72.02 IDR, a gap of about +33% (undervalued). 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 (54.00 IDR); the fair value is what the company's own numbers justify (72.02 IDR). For Bank Agris Tbk the two are 18.02 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 2.6T IDR (market capitalisation, as of Nov 8, 2026). Per share that is 54.00 IDR; our models calculate a fair value of 72.02 IDR per share.
What do the bullish and bearish scenarios say about AGRS?
Our models span a range for Bank Agris Tbk: cautious scenario 60.56 IDR, base 72.02 IDR, optimistic 89.78 IDR per share (as of Nov 8, 2026, price 54.00 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 9.6 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 72.02 IDR is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2016 to 2025), reported earnings: 19.3. Other multiples: P/B 0.4, P/S 3.7, EV/EBITDA 17.2.
How solid is the balance sheet of Bank Agris Tbk (AGRS)?
Balance-sheet figures for Bank Agris Tbk (as of Nov 8, 2026): return on equity 3.8%, debt of 0.89 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is AGRS from its 52-week high?
Bank Agris Tbk trades at 54.00 IDR, about 39% below its 52-week high of 89.00 IDR and 8% above the low of 50.00 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 72.02 IDR is for.
Which stocks are comparable to Bank Agris Tbk?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Nov 8, 2026: price 54.00 IDR, calculated fair value 72.02 IDR (+33%), Quality Score 33/100, 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 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 72.02 IDR builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Bank Agris Tbk currently trades 25% 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 Nov 6, 2026 was 54.00 IDR. Our model-based fair value is 72.02 IDR, about +33% upside (undervalued). 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 large discount to fair value meets weak quality (33/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (60.56 IDR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 2.6T IDR (≈ $144M). 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 3.74 (last twelve months). 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 5.63 IDR (price ÷ EPS = P/E 9.6). 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 31.6% (last twelve months). 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 3.8% (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 56.5% (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 +27.4% 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 +75.2% 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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Thin data
Nov 8, 2026