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

Financial Services · ID · Market cap 2.6T IDR

Below-average quality, screening 52% undervalued on our models.

What matters now

• The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain.
• The price is below even our cautious bear case (210.83 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.
• The models converge in a tight band (210.83 IDR to 216.11 IDR), unusually little disagreement for a valuation.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.

How to read this chart

60‑month range 51.00 IDR – 436.00 IDR · fair‑value band 210.83 IDR – 216.11 IDR · the 140.00 IDR price screens below the 213.47 IDR fair value. Dashed = 300-day average. As of Jul 15, 2026.

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Analysis

PT Bank Artha Graha Internasional Tbk (INPC) currently trades at 140.00 IDR, while our model-based Fair Value estimate is 213.47 IDR, implying the stock looks roughly 52.5% undervalued today. The Quality Score stands at 41/100 (below-average 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.

Over the trailing twelve months, PT Bank Artha Graha Internasional Tbk generated revenue of 1.3T IDR at a net margin of -40.4%. Revenue grew 168.5% year over year. It earns a return on equity of -12.9%. The balance sheet holds a net cash position of 4.1T IDR. Fundamentals as of Jul 15, 2026

Our scenario range runs from 210.83 IDR (bear case) to 216.11 IDR (bull case); at 140.00 IDR, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 56% below its 52-week high and 37% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 52%, INPC screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Growth DCF (234.02 IDR) versus Asset-Based (125.93 IDR). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

PT Bank Artha Graha Internasional Tbk reported revenue of 2.2T IDR in FY2025 versus 1.8T IDR in FY2021, a compound +5.1%/yr. Reported net income was −568B IDR in FY2025.

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Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

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.