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The historical data trend for PT Bank Jago Tbk's FCF Margin % 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 FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Jago Tbk's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Jago Tbk's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Jago Tbk's FCF Margin % falls into.
* 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 (ISX:ARTO) has a FCF Margin % of 36.68% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Bank Jago Tbk and its competitors. According to the industry distribution chart, PT Bank Jago Tbk ranks #171 out of 1504 companies in the Banks industry, placing it in the top 11.4%.
Is PT Bank Jago Tbk's FCF Margin % too high?
PT Bank Jago Tbk's current FCF Margin % is 36.68%. The Banks industry median FCF Margin % is 26.49. PT Bank Jago Tbk's value of 36.68% is 38.5% above this industry median. Based on the distribution chart, PT Bank Jago Tbk ranks #171 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Jago Tbk has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Jago Tbk's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Jago Tbk ranks #171 out of 1504 companies for FCF Margin %. This places PT Bank Jago Tbk in the top 11% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.49. PT Bank Jago Tbk's value of 36.68% is 38.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.49, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Jago Tbk's current FCF Margin % of 36.68% is 38.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Bank Jago Tbk and its competitors. For the Banks industry, the median FCF Margin % is 26.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Jago Tbk's current FCF Margin % is 36.68%. 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 FCF Margin % is 36.68% and 38.5% above the Banks industry median of 26.49. PT Bank Jago Tbk's overall GF Score™ is 68/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PT Bank Jago Tbk (ISX:ARTO), the current FCF Margin % is 36.68% 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:
FCF Margin %: 36.68%
GF Value™: Rp3,726.72 vs. price of Rp1,290.00 (65.4% below fair value)
Industry Position: 38.5% above the Banks median (#171 of 1504)
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.
68GF Score
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