PT Bank IBK Indonesia Tbk.

agrs

Overview

AGRS Overview

PT Bank IBK Indonesia Tbk is an Indonesian-based commercial banking company. The Company’s geographical segment include Java, Sumatra, and Kalimantan. The Company offers a variety of savings products and funding (Loan) to consumers. Its deposit products include IBK Savings, IBK Giro, IBK Deposit, and IBK Plan/Term Savings. The Company’s loan products include working capital loans, investment credit, and consumption/consumptive/individual credit. Its working capital loans include working capital installment, working capital join financing, working capital channeling, working capital executing, demand loan, and trust receipt loan. Its consumption/consumptive/individual credit includes mortgage loan, vehicle loan, and secured loan. It provides Internet and mobile banking services. It also provides treasury products, which include interbank money market transactions, foreign exchange transactions, and securities transactions.

51015ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: AGRS

Development
Market Cap.
IDR 2.60Trillion

~$163.65M USD

Industry
Banks
Sub-Industry
Banks
Sector
Financials
Sub-Sector

Valuation

AGRS Valuation Metrics

63

IDR

Closing Price on 2024-04-05

Price to Equity

13.79

P/E

At 13.79x P/E TTM, AGRS.JK is trading in line with its peers in the Banks sector.

Price to Book

0.60

P/B

At 0.60x P/B TTM, AGRS.JK is trading at a discount to its peers in the Banks sector.

Price to Sales

4.33

P/S

At 4.33x P/S TTM, AGRS.JK is trading at a premium to its peers in the Banks sector (avg 3.6x).

Valuing PT Bank IBK Indonesia Tbk. based on its trailing twelve months (TTM) valuation metrics against its peers in the Banks sector

Historical Price to Earnings

Other Valuation Metrics

Valuing PT Bank IBK Indonesia Tbk. relative to other stocks in the Banks sector

Price/Cash Flow
-33.00x
Price/Forward Earnings
-
PEG Ratio
0.17x

Analyst Ratings

No analyst ratings available yet.

Last closing: IDR632024-04-05
IDR 35.55

Considerably Lower Intrinsic Value: Analyst's intrinsic value is of AGRS is IDR36, which is 43% lower than AGRS's last closing price of IDR63 (as of 2024-04-05).

Valuation Recap of AGRS stock
WeightNotesScore
High
The P/E ratio is calculated by dividing the market price of a company's stock by its earnings per share (EPS). It is a key tool for investors and analysts to assess whether a stock is overvalued, undervalued, or fairly valued. A P/E ratio of 13.79x is above the ID market average of 8.22x but is trading in a P/E range similar to its peers in the Banks sector (13.79x).
Max 3
High
The P/B ratio is calculated by dividing the market price of a company's stock by its book value per share (BVPS). It measures the company's stock value relative to its assets minus liabilities. A P/B ratio of 0.60x is similar to the peers average of 0.88x in the Banks sector. In fact, less than 25% of its peers trade at a lower P/B ratio than AGRS.
Max 3
Medium
The P/S ratio is calculated by dividing the market price of a company's stock by its sales per share. It measures the company's stock value relative to its sales. A P/S ratio of 4.33x is above the peers average of 3.61x in the Banks sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of AGRS's valuation relative to its current sales and future earnings growth.
Max 2
Low
The Price/Cash Flow ratio (P/CF) is calculated by dividing the market price of a company's stock by its cash flow per share. It measures the company's stock value relative to its cash flow, and is sometimes said to be a more objective measure of a company's value because cash flows cannot be manipulated as easily as earnings, which considers non-cash items such as depreciation and amortization. AGRS's P/CF ratio of -33.00x is considered healthy by analysts.●●
Max 2
Medium
Considerably Lower Intrinsic Value: Analyst's intrinsic value is of AGRS is IDR 35.55, which is 43% lower than AGRS's last closing price of IDR 63.00.
Max 3

Peers

AGRS Peers and Comparison

Peer Companies

Supertype Fuzzy Search
SymbolCompany Name
Market Cap
(in Trillion IDR)
Total Assets
(in Trillion IDR)
Total Revenue
(in Trillion IDR)
Profit and Loss
(in Trillion IDR)
P/E
P/B
BBCAPT Bank Central Asia Tbk.1,211.18T1,381.45T 98.47T 48.20T 25.135.14
BBRIPT Bank Rakyat Indonesia (Persero) Tbk851.97T1,851.96T 175.51T 56.01T 15.212.78
BMRIPT Bank Mandiri (Persero) Tbk637.00T2,007.16T 135.73T 49.58T 12.852.62
BBNIPT Bank Negara Indonesia (Persero) Tbk197.25T1,086.66T 61.51T 20.91T 9.431.31
BRISPT Bank Syariah Indonesia Tbk124.55T319.85T 19.34T 5.26T 23.703.35
SMMAPT Sinar Mas Multiartha Tbk92.97T106.59T 28.35T 1.10T 84.384.30
DNETPT Indoritel Makmur Internasional Tbk.64.54T20.17T 1.41T 0.95T 68.095.07
MEGABank Mega Tbk60.47T132.12T 7.81T 3.51T 17.222.78
BNGAPT Bank CIMB Niaga Tbk52.37T329.13T 18.53T 6.10T 8.581.11
ARTOPT Bank Jago Tbk.35.84T19.13T 1.74T 0.03T 1398.304.30
Competitiveness Recap of AGRS stock
WeightNotesScore
High
At a market cap of IDR 2,595.35 billion, AGRS.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.
Max 2
High
At a PE of 13.79, AGRS.JK ranks 7 out of 10 companies in the Financials sector for P/E value. The average PE is 27.84 (unadjusted). A high P/E ratio often indicates higher growth expectation, or other qualitative factors that led investors to believe that the company has a defensible competitive advantage compared to its peers in Financials. In this regard, it trails behind sector leaders such as PT Sinar Mas Multiartha Tbk (84.38) in the Financials sector.
Max 2
Medium
At a PE of 13.79, AGRS.JK is trading at a higher PE than that of its subsector peers in Banks (median of 13.79). false
Max 2
Medium
At a revenue of IDR 0.60 trillion, AGRS.JK ranks 10 in Revenue out of 10 companies in the Financials sector.
Max 2
Medium
At a profit of IDR 0.19 trillion, AGRS.JK ranks 10 in Profit out of 10 companies in the Financials sector.
Max 2

Future

Future Growth of AGRS

Growth Forecasts

No data available

Sector Benchmark

Banks companies in Indonesia are growing at a projected rate of 14.60% against the IDX average of +12.0%.

Banks sector overview
No data is available for AGRS at the moment.
Future growth prospect of AGRS
WeightNotesScore
High
AGRS's projected growth rate of 14.60% is above the ID market average of 11.98%.●●●
Max 3
High
The Banks sub-sector is projected to grow revenue by 33.80% in 2024. This number is higher than the previous year 2023's growth rate of 13.91%. This bodes well for AGRS's revenue growth prospects in the next 2 years. ●●●
Max 3
Medium
The Banks sub-sector is projected to increase earnings by 80.01% in 2024. This number is higher than the previous year 2023's EPS growth of 35.28%. This bodes well for AGRS's earnings growth prospects in the next 2 years. ●●●
Max 3
Medium
AGRS and its peers in the Banks sub-sector belongs to the Financials sector. Companies in the Financials sector are projected to have a fruitful year heading into 2024. Specifically, earnings are projected to increase by 75.53% in 2024 while revenue growth is projected to increase by 32.25%. These macroeconomic trends will likely be a tailwind for AGRS's earnings growth prospects in the next 2 years. ●●●
Max 3
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Management

Executive Management

President Director

Cha Jae Young15.2 years
Lee Dae Sung
Director
Maria Cortilia Vera Afianti
Director
Alexander Frans Rori
Director
Edwin Rudianto
Director
NamePositionShares%
No data is available for AGRS at the moment.
Expressed in millions IDR, unless otherwise stated

Ownership

AGRS Ownership

Others
5.72%
Insiders
94.28%
Institutions
0%
NameNumber of SharesOwnership (%)Value
Industrial Bank Of Korea35,227,362,38593.242,219.32B
Public (Scripless)2,118,355,7505.61133.46B
Public (Scrip)417,327,0001.126.29B
Treasury Stock20,158,9300.051.27B

Largest Institutional Buy

No data is available for AGRS at the moment.

Largest Institutional Sell

Pharus Management Lux S.A.
Sold 31-01-2024
-1,982,600 shares

Institutional Transactions

Tracking institutional transactions buying / selling of AGRS stock