PT Goto Gojek Tokopedia Tbk (ISX:GOTO) Net Interest Margin (Bank Only) %

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.
Reviewed by: Charlie Tian Charlie Tian
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:GOTO PT Goto Gojek Tokopedia Tbk ISX:GOTO
73 GF Score
Price Rp50.00
GF Value Rp85.53
Valuation Possible Value Trap
! 5 Warning Signs
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What is PT Goto Gojek Tokopedia Tbk Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

ISX:GOTO
73GF Score
PT Goto Gojek Tokopedia Tbk ISX:GOTO
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT Goto Gojek Tokopedia Tbk (ISX:GOTO) Overvalued in 2026?

Based on GuruFocus' analysis, PT Goto Gojek Tokopedia Tbk stock appears to be undervalued. The current stock price of Rp50.00 is trading 41.5% below its estimated GF Value™ of Rp85.53. GuruFocus considers PT Goto Gojek Tokopedia Tbk to be Possible Value Trap.

Key valuation signals for ISX:GOTO:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: Rp85.53 vs. price of Rp50.00 (41.5% below fair value)
  • GF Score™: 73/100 with 5 warning signs

No single metric tells the full story. See the ISX:GOTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Goto Gojek Tokopedia Tbk Business Description

Other Exchanges GTOFF:USACK8:Germany
Address Jalan Iskandarsyah II No. 2, Gedung Pasaraya Blok M, 6-7th Floor, Jakarta, IDN, 12160
GoTo is an Indonesian ecosystem that combines ride-hailing, delivery, and financial services under one app. The company operates primarily in Indonesia and is the product of a merger between Gojek and Tokopedia in May 2021, but recently divested the e-commerce business into a combined entity with TikTok Indonesia in 2024. Looking ahead, we expect the financial services business to account for the majority of revenue while its on-demand business begins to become less of a priority. Prior to the deconsolidation, 82% of nonfinancial services' gross transactional value came from e-commerce, and the firm will begin to expand into financial services such as providing loans and buy-now, pay-later programs. The company competes with Grab in the ride-hailing and delivery business.
73GF Score

Get the complete analysis for ISX:GOTO

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp50.00
Price
Rp85.53
GF Value