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PT Bank Artha Graha Internasional Tbk (INPC) Fair Value & Analysis

Financial Services · ID · Market cap 2.2T IDR

Price129.00 IDR
Fair Value213.47 IDR
Upside+65.5%
Quality95/100
Evidence: Low Range 210.83 IDR – 216.11 IDR

Fair value as of: Jun 26, 2026

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Analysis

PT Bank Artha Graha Internasional Tbk (INPC) currently trades at 129.00 IDR, while our model-based Fair Value estimate is 213.47 IDR — implying the stock looks roughly 65.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low) — always confirm before acting.

About the company

PT Bank Artha Graha Internasional Tbk provides various banking products and services in Indonesia. The company operates through four segments: Productive, Consumer, Treasury, and Others. It offers various savings accounts, and demand and time deposits, as well as working capital and investment, productive, consumer, and other loans. The company also provides e-banking services that include retail internet banking, virtual account and billing system, and payroll services, as well as e-statements and safe deposit boxes. In addition, it offers treasury services, including money market, and investment in placements and securities, as well as provides ATM, transaction notification, online deposits and saving account opening, and parking payment services. The company was formerly known as PT Bank Inter-Pacific Tbk and changed its name to PT Bank Artha Graha Internasional Tbk in July 2005. The company was incorporated in 1973 and is headquartered in Jakarta Selatan, Indonesia.

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Frequently asked questions

Is PT Bank Artha Graha Internasional Tbk (INPC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 213.47 IDR versus a price of 129.00 IDR — about +65% (undervalued). Model-based estimate, not financial advice.
What is the fair value of INPC?
Our 21-model fair value for PT Bank Artha Graha Internasional Tbk is 213.47 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 129.00 IDR.
What is the quality score of INPC?
PT Bank Artha Graha Internasional 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.