Bank Artha Graha Internasional Tbk

inpc

Overview

INPC Overview

PT Bank Artha Graha Internasional Tbk is an Indonesia-based company that is engaged in the banking services. The Company operates through four segments: Productive, Consumer, Treasury and Others. The Productive segment includes working capital and investment loans, and loans disbursed to productive sectors, among others. The Consumer segment includes loans disbursed for consumptive purposes. The Treasury segment undertakes treasury activities, which include money market and investment in placements and securities. Its products and services include release of fund products, funding products, e-banking products and other services. The Company's funding products include Icon Savings, Artha Savings, Artha Merchant Savings, Wira Savings, Pintar Savings, Prega Savings, Simpanan Pelajar (SimPel) Savings, Demand Deposit, Segregated Account and Time Deposit. Its release of fund products includes current account loans, revolving loans, fixed loans, supply chain financing and money market line.

5101520ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: INPC

Main
Market Cap.
IDR 1.33Trillion

~$84.16M USD

Industry
Banks
Sub-Industry
Banks
Sector
Financials
Sub-Sector

Valuation

INPC Valuation Metrics

66

IDR

Closing Price on 2024-04-05

Price to Equity

13.35

P/E

At 13.35x P/E TTM, INPC.JK is trading in line with its peers in the Banks sector.

Price to Book

0.32

P/B

At 0.32x P/B TTM, INPC.JK is trading at a discount to its peers in the Banks sector.

Price to Sales

1.00

P/S

At 1.00x P/S TTM, INPC.JK is trading at a discount to its peers in the Banks sector.

Valuing Bank Artha Graha Internasional 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 Bank Artha Graha Internasional Tbk relative to other stocks in the Banks sector

Price/Cash Flow
1.23x
Price/Forward Earnings
-
PEG Ratio
-1.98x

Analyst Ratings

No analyst ratings available yet.

Last closing: IDR662024-04-05
IDR 26.89

Considerably Lower Intrinsic Value: Analyst's intrinsic value is of INPC is IDR27, which is 58% lower than INPC's last closing price of IDR66 (as of 2024-04-05).

Valuation Recap of INPC 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 13.35x 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 0.32x is below 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 INPC.●●
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 1.00x is below 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 INPC'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. INPC's P/CF ratio of 1.23x is considered healthy by analysts.●●
Max 2
Medium
Considerably Lower Intrinsic Value: Analyst's intrinsic value is of INPC is IDR 26.89, which is 58% lower than INPC's last closing price of IDR 66.00.
Max 3

Peers

INPC 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 INPC stock
WeightNotesScore
High
At a market cap of IDR 1,334.74 billion, INPC.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.
Max 2
High
At a PE of 13.35, INPC.JK ranks 7 out of 10 companies in the Financials sector for P/E value. The average PE is 27.79 (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 13.35, INPC.JK is trading at a lower PE than that of its subsector peers in Banks (median of 13.79). A lower P/E value presents a potential value opportunity, but it might also indicate that the company is facing headwinds in its business.
Max 2
Medium
At a revenue of IDR 1.33 trillion, INPC.JK ranks 10 in Revenue out of 10 companies in the Financials sector.
Max 2
Medium
At a profit of IDR 0.10 trillion, INPC.JK ranks 10 in Profit out of 10 companies in the Financials sector.
Max 2

Future

Future Growth of INPC

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 INPC at the moment.
Future growth prospect of INPC
WeightNotesScore
High
INPC'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 INPC'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 INPC's earnings growth prospects in the next 2 years. ●●●
Max 3
Medium
INPC 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 INPC's earnings growth prospects in the next 2 years. ●●●
Max 3
Loading...
Loading...

Management

Executive Management

President Director

Andy Kasih15.2 years

Vice President Director

Christina Harapan15.4 years
Indra Sintung Budianto
Director
Indrastomo Nugroho
Director
Handoyo Soedirdja
Director
NamePositionShares%
Christina HarapanVice President Director845,500< 0.01
Handoyo SoedirdjaDirector500,000< 0.01
Sugianto KusumaVice President Commissioner450,450,4502.23
Expressed in millions IDR, unless otherwise stated

Ownership

INPC Ownership

Others
56.55%
Insiders
43.37%
Institutions
0.08%
NameNumber of SharesOwnership (%)Value
Public (Scripless)7,978,179,93739.45526.56B
Pt Cakra Inti Utama2,908,909,84214.38191.99B
Public (Scrip)2,426,513,76312.01160.15B
Pt Pirus Platinum Murni1,361,238,9776.7389.84B
Pt Cerana Artha Putra1,322,157,2536.5487.26B
Pt Artha Graha Network1,134,617,0305.6174.88B
Pt Puspita Bisnispuri1,087,913,2905.3871.80B
Pt Arthamulia Sentosajaya839,439,0914.1555.40B
Pt Karya Nusantara Permai712,647,7743.5247.03B
Sugianto Kusuma450,450,4502.2329.73B
No data is available for INPC at the moment.