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PT Bank Amar Indonesia Tbk (AMAR) Fair Value & Analysis

Financial Services · ID · Market cap 3.3T IDR

Price196.00 IDR
Fair Value180.16 IDR
Upside-8.1%
Quality95/100
Evidence: High Range 135.12 IDR – 225.19 IDR

Fair value as of: Jun 26, 2026

Analysis

PT Bank Amar Indonesia Tbk (AMAR) currently trades at 196.00 IDR, while our model-based Fair Value estimate is 180.16 IDR — implying the stock looks roughly 8.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

PT Bank Amar Indonesia Tbk provides banking products and services in Indonesia. The company operates through Online, Brick and mortar, and Head Office segments. Its deposit products include demand, saving, and time deposit; certificate of deposit; and other form of deposits, including deposit from other banks. The company also offers working capital loans and investment loans, such as installment, fixed, demand, and stand by; consumer loans, such as multi-purpose loans; housing, consumer, and third-party loans; and debit cards. In addition, it provides digital account opening, transfer, direct debit, QRSI payment, settlement, bill payment, financial, and treasury management services. The company was formerly known as PT. Anglomas International Bank and changed its name to PT Bank Amar Indonesia in 2014. PT Bank Amar Indonesia Tbk was founded in 1991 and is headquartered in Setiabudi, Indonesia. PT Bank Amar Indonesia Tbk is a subsidiary of Tolaram Pte. Ltd.

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Frequently asked questions

Is PT Bank Amar Indonesia Tbk (AMAR) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 180.16 IDR versus a price of 196.00 IDR — about −8% (overvalued). Model-based estimate, not financial advice.
What is the fair value of AMAR?
Our 21-model fair value for PT Bank Amar Indonesia Tbk is 180.16 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 196.00 IDR.
What is the quality score of AMAR?
PT Bank Amar Indonesia Tbk has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.