PT Bank Jago Tbk (ISX:ARTO) Moat Score: 0/10 (As of Jul. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ISX:ARTO PT Bank Jago Tbk ISX:ARTO
68 GF Score
Price Rp1,395.00
GF Value Rp4,402.62
Valuation Significantly Undervalued
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What is PT Bank Jago Tbk Moat Score?

PT Bank Jago Tbk has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

PT Bank Jago Tbk has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PT Bank Jago Tbk might have No Moat - No discernible moat.

PT Bank Jago Tbk  (ISX:ARTO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PT Bank Jago Tbk Moat Score Related Terms

ISX:ARTO
68GF Score
PT Bank Jago Tbk ISX:ARTO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 Rp1,395.00 is trading 68.3% below its estimated GF Value™ of Rp4,402.62. GuruFocus considers PT Bank Jago Tbk to be Significantly Undervalued.

Key valuation signals for ISX:ARTO:

  • Moat Score: 0
  • GF Value™: Rp4,402.62 vs. price of Rp1,395.00 (68.3% below fair value)
  • GF Score™: 68/100

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.
68GF Score

Get the complete analysis for ISX:ARTO

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

Rp1,395.00
Price
Rp4,402.62
GF Value