Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
PT Bank Jago Tbk (ISX:ARTO) Cash Flow from Operations Explanation
For companies reported in indirect method, cash flow from operations contains six items:
1. Net Income From Continuing Operations:
Net Income From Continuing Operations indicates the net income that a firm brings in from ongoing business activities. These activities are expected to continue into the next reporting period. It excludes extraordinary items, income from the cumulative effects of accounting changes, non-recurring items, income from tax loss carry forward, and preferred dividends.
PT Bank Jago Tbk's net income from continuing operations for the
three
months ended in Jun. 2026 was Rp103,294 Mil.
2. Depreciation, Depletion and Amortization:
Depreciation is a present expense that accounts for the past cost of an asset that is now providing benefits.
Depletion and amortization are synonyms for depreciation.
Generally:
The term depreciation is used when discussing man made tangible assets
The term depletion is used when discussing natural tangible assets
The term amortization is used when discussing intangible assets
PT Bank Jago Tbk's depreciation, depletion and amortization for the
three
months ended in Jun. 2026 was Rp92,926 Mil.
3. Change In Working Capital:
Working Capital is a measure of a company's short term liquidity or its ability to cover short term liabilities. It is defined as the difference between a company's current assets and current liabilities. Changes in Working Capital is reported in the cash flow statement since it is one of the major ways in which net income can differ from operating cash flow.
PT Bank Jago Tbk's change in working capital for the
three
months ended in Jun. 2026 was Rp0 Mil. It means PT Bank Jago Tbk's working capital
{id_Q12}
from Mar. 2026 to Jun. 2026 .
4. Deferred Tax:
It is the cash flow generated from deferred tax.
PT Bank Jago Tbk's cash flow from deferred tax for the
three
months ended in Jun. 2026 was Rp0 Mil.
PT Bank Jago Tbk's cash from discontinued operating Activities for the
three
months ended in Jun. 2026 was Rp0 Mil.
6. Asset Impairment Charge:
It is the charge against earnings resulting from the aggregate write down of all assets from their carrying value to their fair value.
PT Bank Jago Tbk's asset impairment charge for the
three
months ended in Jun. 2026 was Rp0 Mil.
7. Stock Based Compensation:
It is a way corporations use stock options to reward employees. It provides executives and employees the opportunity to share in the growth of the company and, if structured properly, can align their interests with the interests of the company's shareholders and investors, without burning the company's cash on hand.
PT Bank Jago Tbk's stock based compensation for the
three
months ended in Jun. 2026 was Rp0 Mil.
8. Cash Flow from Others:
These are cash differences caused by the change of inventory, accounts payable, accounts receivable etc. For instance, if a company pays its suppliers slower, its cash position will build up faster. If a company receives payments from its customers slower, its account receivables will rise, and its cash position will grow more slowly (or even shrink).
PT Bank Jago Tbk's cash flow from others for the
three
months ended in Jun. 2026 was Rp244,889 Mil.
PT Bank Jago Tbk Cash Flow from Operations Related Terms
PT Bank Jago Tbk Cash Flow from Operations Historical Data
* Premium members only.
The historical data trend for PT Bank Jago Tbk's Cash Flow from Operations can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Bank Jago Tbk Cash Flow from Operations Calculation
Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
PT Bank Jago Tbk's Cash Flow from Operations for the fiscal year that ended in Dec. 2025 is calculated as:
Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp4,243,540 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash Flow from Operations of Rp4,243,540 Mil mean?
PT Bank Jago Tbk (ISX:ARTO) has a Cash Flow from Operations of Rp4,243,540 Mil as of Jun. 2026. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for PT Bank Jago Tbk and its competitors.
Is PT Bank Jago Tbk's Cash Flow from Operations too high?
PT Bank Jago Tbk's current Cash Flow from Operations is Rp4,243,540 Mil. Overall, PT Bank Jago Tbk has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Jago Tbk's Cash Flow from Operations compare to competitors?
PT Bank Jago Tbk's Cash Flow from Operations of Rp4,243,540 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Flow from Operations for a Banks company?
A good Cash Flow from Operations depends on the Banks industry context. However, Cash Flow from Operations should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Flow from Operations mean?
A high Cash Flow from Operations can signal that a stock is expensive relative to its fundamentals. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for PT Bank Jago Tbk and its competitors. PT Bank Jago Tbk's current Cash Flow from Operations is Rp4,243,540 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Jago Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Jago Tbk (ISX:ARTO) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp3,796.35, compared to a current price of Rp1,060.00 — trading 72.1% below its estimated fair value. The current Cash Flow from Operations is Rp4,243,540 Mil. PT Bank Jago Tbk's overall GF Score™ is 70/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Operations calculated?
Cash Flow from Operations is calculated from a company's financial statements. For PT Bank Jago Tbk (ISX:ARTO), the current Cash Flow from Operations is Rp4,243,540 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PT Bank Jago Tbk (ISX:ARTO) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Jago Tbk stock appears to be undervalued.
The current stock price of Rp1,060.00 is trading 72.1% below its estimated GF Value™ of Rp3,796.35.
GuruFocus considers PT Bank Jago Tbk to be Significantly Undervalued.
Key valuation signals for ISX:ARTO:
Cash Flow from Operations: Rp4,243,540 Mil
GF Value™: Rp3,796.35 vs. price of Rp1,060.00 (72.1% below fair value)
No single metric tells the full story. See the ISX:ARTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Jago Tbk is an Indonesian-based banking company. It offers various banking products and services that are categorized into funding and lending activities, along with other supporting banking services. Its funding activities are Saving & Spending Pockets, Locked Pockets, Shared Pockets, Giveaway Pockets, and others. Its Lending activities are a technology-based bank that serves the small and medium enterprises segment, the retail segment, and the mass market segment. Its operating segments are Outside Jakarta and DKI Jakarta.
70GF Score
Get the complete analysis for ISX:ARTO
Cash Flow from Operations is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:ARTO has been successfully added to your 
