PT Bank Amar Indonesia Tbk (IDX:AMAR)
Indonesia flag Indonesia · Delayed Price · Currency is IDR
189.00
-2.00 (-1.05%)
Oct 30, 2026, 4:13 PM WIB

IDX:AMAR Financials Overview

Millions IDR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
1,065,249911,213838,845665,611290,365388,547
Revenue Growth
17.74%8.63%26.03%129.23%-25.27%33.22%
Net Income
302,646249,635214,992177,972-155,3814,115
Earnings Per Share
16.4813.5811.8710.00-11.550.51
EPS Growth
25.80%14.45%18.67%---52.07%

Revenue by Segment

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Online
1,823,8491,446,385463,933132,560348,580
Brick and Mortar
262,479285,99296,756145,51163,235
Head Office
139,521126,646104,92412,294-28,314
Elimination
-147,327-121,859-2--
Total
2,078,5221,737,164665,611290,365383,502

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
589,5412,026,9471,061,7271,354,4391,704,0432,208,888
Total Debt
-2,2107,80310,0077,0508,169
Net Cash (Debt)
589,5412,024,7371,053,9241,344,4321,696,9932,200,719
Net Cash Growth
-62.76%92.11%-21.61%-20.78%-22.89%12.10%
Net Cash Per Share
32.11110.1558.1773.27126.10273.89

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-994,621-1,512,786194,88145,58546,318-605,918
Capital Expenditures
-12,506-10,695-4,202-3,036-2,280-1,982
Free Cash Flow
-1,007,127-1,523,481190,67942,54944,038-607,900
Free Cash Flow Growth
--348.14%-3.38%--

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
28.41%27.40%25.63%26.74%-53.51%1.06%
FCF Margin
-94.54%-167.19%22.73%6.39%15.17%-156.46%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023
Period EndingNov '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
10.85010.8509.3503.030
Dividend Per Share Growth
16.67%16.04%208.58%-
Dividend Yield
5.74%4.93%4.90%0.95%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.4715.8816.0032.72-757.62
Forward PE
-31.2631.2641.03--
P/FCF Ratio
--18.04136.8672.81-
PS Ratio
3.204.354.108.7511.048.02