PT Bank Amar Indonesia Tbk

AMAR.JK

Banks - Regional · Financial Services

Price

208.00 IDR

-2.00 (-0.95%)

Market Cap

3.75T IDR

Exchange

Indonesia Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Jul 26, 2026 · filings through Mar 31, 2026

Share count rising — dilution

+53.5% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 11.97B (2021) → 18.38B (2025)

PT Bank Amar Indonesia Tbk operates as a prominent financial institution across Indonesia, delivering a full spectrum of banking services. Its business operations are structured across three primary divisions: Online, Brick and Mortar (traditional branches), and its central Head Office. The bank provides diverse deposit products, including savings, current, and time deposit accounts. Additionally, it offers an array of lending options, such as working capital and specialized financing, alongside various investment loans like installment, fixed, demand, and stand-by facilities. Its consumer credit portfolio covers multipurpose, overdraft, and housing loans, and it extends financing to other financial institutions. Further services encompass treasury management, investment banking, funding solutions, and trade finance. Physically, the bank maintains three branches in Kusuma Bangsa, Wiyung, and Jakarta, a single sub-branch in Surabaya, and a cash office also situated in Jakarta. Founded in 1991, the entity originally operated as PT. Anglomas International Bank until its official renaming to PT Bank Amar Indonesia in 2014. The company's main office is located in Surabaya, Indonesia.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+22.7% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+5.9% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

$6.7T cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

PT Bank Amar Indonesia Tbk is a rare growth stock that's already generating positive cash flow while growing at 23%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

50.8%

Healthy — 50.8% gross margin

Operating Margin

17.4%

Healthy — 17.4% operating margin

ROCE

2.4%

Weak — 2.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+18.8%

Fast-growing sales (18.8% YoY)

EPS YoY

+9.7%

Earnings growing (9.7% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

415%

Turns 415% of profit into real cash

FCF Margin

52.6%

Converts sales into free cash efficiently (52.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

0.10

Conservative — low debt load (0.10)

Interest Cover

2.38x

Tight — interest eats into profit (2.4x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

14.9x

Attractive valuation — P/E 14.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield

3.68%

Moderate income — 3.68% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+26.4%

Dividend growing fast (26.4% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial