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.
Net margin is calculated as Net Income divided by its Revenue. PT Bank Jago Tbk's Net Income for the
three
months ended in Jun. 2026 was Rp103,294 Mil. PT Bank Jago Tbk's Revenue for the
three
months ended in Jun. 2026 was Rp775,693 Mil. Therefore, PT Bank Jago Tbk's net margin for the quarter that ended in Jun. 2026 was 13.32%.
The historical rank and industry rank for PT Bank Jago Tbk's Net Margin % or its related term are showing as below:
ISX:ARTO'
s Net Margin % Range Over the Past 10 Years
Min: -970.6 Med: -9.86 Max: 14.34
Current: 11.73
ISX:ARTO's Net Margin % is ranked worse than 86.11% of 1526
companies
in the Banks industry
Industry Median: 27.095
vs ISX:ARTO: 11.73
PT Bank Jago Tbk (ISX:ARTO) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PT Bank Jago Tbk Net Margin % Related Terms
PT Bank Jago Tbk Net Margin % Historical Data
* Premium members only.
The historical data trend for PT Bank Jago Tbk's Net 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Jago Tbk's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Jago Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Jago Tbk's Net 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 Net Margin % of 13.32% as of Jun. 2026. Net margin is the ratio of total net income 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 #1314 out of 1526 companies in the Banks industry, placing it in the top 86.1%.
Is PT Bank Jago Tbk's Net Margin % too high?
PT Bank Jago Tbk's current Net Margin % is 13.32%. The Banks industry median Net Margin % is 27.10. PT Bank Jago Tbk's value of 13.32% is 50.8% below this industry median. Based on the distribution chart, PT Bank Jago Tbk ranks #1314 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Jago Tbk ranks #1314 out of 1526 companies for Net Margin %. This places PT Bank Jago Tbk in the lower half of its industry. The industry median Net Margin % is 27.10. PT Bank Jago Tbk's value of 13.32% is 50.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Jago Tbk's current Net Margin % of 13.32% is 50.8% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Jago Tbk and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Jago Tbk's current Net Margin % is 13.32%. 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 Net Margin % is 13.32% and 50.8% below the Banks industry median of 27.10. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PT Bank Jago Tbk (ISX:ARTO), the current Net Margin % is 13.32% 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:
Net Margin %: 13.32%
GF Value™: Rp3,726.72 vs. price of Rp1,290.00 (65.4% below fair value)
Industry Position: 50.8% below the Banks median (#1314 of 1526)
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
Net Margin % 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 
