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Bank Amar Indonesia

Market Cap

Rp2.7t

Last Updated

2021/04/11 10:02 UTC

Data Sources

Company Financials

Executive Summary

PT Bank Amar Indonesia engages in the banking activities in Indonesia. More Details


Snowflake Analysis

Excellent balance sheet with questionable track record.

Share Price & News

How has Bank Amar Indonesia's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: AMAR is more volatile than 90% of ID stocks over the past 3 months, typically moving +/- 19% a week.

Volatility Over Time: AMAR's weekly volatility has increased from 14% to 19% over the past year.


Market Performance


7 Day Return

16.7%

AMAR

1.4%

ID Banks

0.9%

ID Market


1 Year Return

83.6%

AMAR

37.1%

ID Banks

27.3%

ID Market

Return vs Industry: AMAR exceeded the ID Banks industry which returned 35.5% over the past year.

Return vs Market: AMAR exceeded the ID Market which returned 26.8% over the past year.


Shareholder returns

AMARIndustryMarket
7 Day16.7%1.4%0.9%
30 Day-16.4%-7.9%-3.3%
90 Day20.0%-4.8%-4.1%
1 Year85.6%83.6%45.1%37.1%31.7%27.3%
3 Yearn/a27.6%16.1%2.2%-6.1%
5 Yearn/a125.9%91.7%38.5%21.0%

Long-Term Price Volatility Vs. Market

How volatile is Bank Amar Indonesia's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank Amar Indonesia undervalued compared to its fair value and its price relative to the market?

64.49x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate AMAR's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate AMAR's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: AMAR is poor value based on its PE Ratio (64.5x) compared to the ID Banks industry average (32.8x).

PE vs Market: AMAR is poor value based on its PE Ratio (64.5x) compared to the ID market (22.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate AMAR's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: AMAR is overvalued based on its PB Ratio (2.5x) compared to the ID Banks industry average (1.6x).


Future Growth

How is Bank Amar Indonesia forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

24.7%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bank Amar Indonesia has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Bank Amar Indonesia performed over the past 5 years?

60.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: AMAR has high quality earnings.

Growing Profit Margin: AMAR's current net profit margins (7.6%) are lower than last year (23.3%).


Past Earnings Growth Analysis

Earnings Trend: AMAR's earnings have grown significantly by 60% per year over the past 5 years.

Accelerating Growth: AMAR's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: AMAR had negative earnings growth (-61.1%) over the past year, making it difficult to compare to the Banks industry average (-29.9%).


Return on Equity

High ROE: AMAR's Return on Equity (2.3%) is considered low.


Financial Health

How is Bank Amar Indonesia's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: AMAR's Assets to Equity ratio (3x) is low.

Allowance for Bad Loans: AMAR has a sufficient allowance for bad loans (131%).

Low Risk Liabilities: 97% of AMAR's liabilities are made up of primarily low risk sources of funding.

Loan Level: AMAR has an appropriate level of Loans to Assets ratio (51%).

Low Risk Deposits: AMAR's Loans to Deposits ratio (78%) is appropriate.

Level of Bad Loans: AMAR has a high level of bad loans (5.4%).


Dividend

What is Bank Amar Indonesia current dividend yield, its reliability and sustainability?

1.14%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: AMAR's dividend (1.14%) isn’t notable compared to the bottom 25% of dividend payers in the ID market (1.17%).

High Dividend: AMAR's dividend (1.14%) is low compared to the top 25% of dividend payers in the ID market (5.13%).


Stability and Growth of Payments

Stable Dividend: Too early to tell whether AMAR's dividend payments have been stable as they only just started paying a dividend.

Growing Dividend: Too early to tell if AMAR's dividend payments are increasing as they only just started paying a dividend.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (73.3%), AMAR's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.3yrs

Average management tenure


CEO

Vishal Tulsian (46 yo)

no data

Tenure

Mr. Vishal Tulsian has been a President Director at PT Bank Amar Indonesia Since July 29, 2019 and served as its Managing Director Since December 11, 2015 to July 2019 and has been its Director since 2015....


Leadership Team

Experienced Management: AMAR's management team is considered experienced (4.3 years average tenure).


Board Members

Experienced Board: AMAR's board of directors are not considered experienced ( 1.9 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

PT Bank Amar Indonesia Tbk's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PT Bank Amar Indonesia Tbk
  • Ticker: AMAR
  • Exchange: IDX
  • Founded: 1991
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: Rp2.700t
  • Shares outstanding: 8.04b
  • Website: https://amarbank.co.id

Number of Employees


Location

  • PT Bank Amar Indonesia Tbk
  • Jalan Basuki Rahmad No. 109
  • Surabaya
  • Jawa Timur
  • 60271
  • Indonesia

Listings


Biography

PT Bank Amar Indonesia engages in the banking activities in Indonesia. The company offers saving, current, and time deposit accounts; and working capital, special financing, and investment loans, as well a...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/04/11 10:02
End of Day Share Price2021/04/09 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.