PT Bank Jago Tbk (ISX:ARTO) E10: Rp1.34 (As of Jun. 2026)

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ISX:ARTO PT Bank Jago Tbk ISX:ARTO
70 GF Score
Price Rp1,290.00
GF Value Rp3,726.72
Valuation Significantly Undervalued
View Full Analysis

What is PT Bank Jago Tbk E10?

PT Bank Jago Tbk ISX:ARTO -1.15% 70 E10 is Rp1.34 as of Jun. 2026. GuruFocus rates ISX:ARTO with a GF Score™ of 70/100 and a GF Value™ of Rp3,726.72 (Significantly Undervalued).

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

PT Bank Jago Tbk's adjusted earnings per share data for the three months ended in Jun. 2026 was Rp7.260. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp1.34 for the trailing ten years ended in Jun. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-08-11), PT Bank Jago Tbk's current stock price is Rp1290.00. PT Bank Jago Tbk's E10 for the quarter that ended in Jun. 2026 was Rp1.34. PT Bank Jago Tbk's Shiller PE Ratio of today is 962.69.

During the past 11 years, the highest Shiller PE Ratio of PT Bank Jago Tbk was 2456.90. The lowest was 686.57. And the median was 1741.38.


PT Bank Jago Tbk  (ISX:ARTO) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

PT Bank Jago Tbk's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1290.00/1.34
=962.69

* 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.

During the past 11 years, the highest Shiller P/E Ratio of PT Bank Jago Tbk was 2456.90. The lowest was 686.57. And the median was 1741.38.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


PT Bank Jago Tbk E10 Related Terms


PT Bank Jago Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Bank Jago Tbk's E10 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 E10 Chart

PT Bank Jago Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 -0.17

PT Bank Jago Tbk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1.25 -0.72 -0.17 0.58 1.34

PT Bank Jago Tbk E10 Competitor Comparison

For the Banks - Regional subindustry, PT Bank Jago Tbk's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PT Bank Jago Tbk Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Jago Tbk's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where PT Bank Jago Tbk's Shiller PE Ratio falls into.


ISX:ARTO
70GF Score
PT Bank Jago Tbk ISX:ARTO
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Jago Tbk E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PT Bank Jago Tbk's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=7.26/137.6954*137.6954
=7.260

Current CPI (Jun. 2026) = 137.6954.

PT Bank Jago Tbk Quarterly Data

per share eps CPI Adj_EPS
201609 -2.535 104.142 -3.352
201612 0.423 105.222 0.554
201703 0.015 106.476 0.019
201706 -0.533 107.722 -0.681
201709 -0.398 108.020 -0.507
201712 0.011 109.017 0.014
201803 -0.388 110.097 -0.485
201806 -0.310 111.085 -0.384
201809 -0.356 111.135 -0.441
201812 -1.356 112.430 -1.661
201903 -0.624 112.829 -0.762
201906 -0.841 114.730 -1.009
201909 -3.384 114.905 -4.055
201912 -10.643 115.486 -12.690
202003 -2.625 116.252 -3.109
202006 -1.951 116.630 -2.303
202009 -4.186 116.397 -4.952
202012 -6.406 117.318 -7.519
202103 -3.510 117.840 -4.101
202106 -0.624 118.184 -0.727
202109 1.023 118.262 1.191
202112 8.970 119.516 10.334
202203 1.370 120.948 1.560
202206 0.720 123.322 0.804
202209 0.840 125.298 0.923
202212 -1.780 126.098 -1.944
202303 1.260 126.953 1.367
202306 1.640 127.663 1.769
202309 0.700 128.151 0.752
202312 1.570 129.395 1.671
202403 1.550 130.607 1.634
202406 2.020 130.792 2.127
202409 2.560 130.361 2.704
202412 3.060 131.432 3.206
202503 4.310 131.948 4.498
202506 4.670 133.241 4.826
202509 5.100 133.819 5.248
202512 5.450 135.271 5.548
202603 6.070 136.539 6.121
202606 7.260 137.695 7.260

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of Rp1.34 mean?
PT Bank Jago Tbk (ISX:ARTO) has a E10 of Rp1.34 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Bank Jago Tbk and its competitors.
Is PT Bank Jago Tbk's E10 too high?
PT Bank Jago Tbk's current E10 is Rp1.34. 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 E10 compare to competitors?
PT Bank Jago Tbk's E10 of Rp1.34 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Bank Jago Tbk and its competitors. PT Bank Jago Tbk's current E10 is Rp1.34. 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 Rp3,726.72, compared to a current price of Rp1,290.00 — trading 65.4% below its estimated fair value. The current E10 is Rp1.34. 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 E10 calculated?
E10 is calculated from a company's financial statements. For PT Bank Jago Tbk (ISX:ARTO), the current E10 is Rp1.34 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 Rp1,290.00 is trading 65.4% below its estimated GF Value™ of Rp3,726.72. GuruFocus considers PT Bank Jago Tbk to be Significantly Undervalued.

Key valuation signals for ISX:ARTO:

  • E10: Rp1.34
  • GF Value™: Rp3,726.72 vs. price of Rp1,290.00 (65.4% below fair value)
  • GF Score™: 70/100

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 Business Description

Address Jalan Dr. Ide Anak Agung Gde Agung Kav 5.5 - 5.6, Menara SMBC, 46th Floor, Jakarta Selatan, Jakarta, IDN, 12950
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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp1,290.00
Price
Rp3,726.72
GF Value