PT Bank Jago TbkISX:ARTO -1.63%66 PB Ratio is 1.41 as of Jun. 26, 2026, which is 64% below its 10-year median of 3.90. GuruFocus rates ISX:ARTO with a GF Score™ of 66/100 and a GF Value™ of Rp4,278.90 (Significantly Undervalued). Among 1,516 Banks companies, PT Bank Jago Tbk ranks worse than 74.93% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), PT Bank Jago Tbk's share price is Rp905.00. PT Bank Jago Tbk's Book Value per Share for the quarter that ended in Mar. 2026 was Rp643.37. Hence, PT Bank Jago Tbk's PB Ratio of today is 1.41.
Good Sign:
PT Bank Jago Tbk stock PB Ratio (=1.51) is close to 5-year low of 1.45.
The historical rank and industry rank for PT Bank Jago Tbk's PB Ratio or its related term are showing as below:
ISX:ARTO'
s PB Ratio Range Over the Past 10 Years
Min: 1.13 Med: 3.9 Max: 120.83
Current: 1.42
During the past 11 years, PT Bank Jago Tbk's highest PB Ratio was 120.83. The lowest was 1.13. And the median was 3.90.
ISX:ARTO's PB Ratio is ranked worse than 74.93% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs ISX:ARTO: 1.42
During the past 12 months, PT Bank Jago Tbk's average Book Value Per Share Growth Rate was 3.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 31.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 66.70% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Bank Jago Tbk was 267.90% per year. The lowest was 1.10% per year. And the median was 76.15% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PT Bank Jago Tbk PB Ratio Related Terms
PT Bank Jago Tbk PB Ratio Historical Data
* Premium members only.
The historical data trend for PT Bank Jago Tbk's PB Ratio 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.
For the Banks - Regional subindustry, PT Bank Jago Tbk's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Jago Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Bank Jago Tbk's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PT Bank Jago Tbk (ISX:ARTO) has a PB Ratio of 1.41 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Jago Tbk and its competitors. This is 64% below median its historical median of 3.90. Over the past decade, PT Bank Jago Tbk's PB Ratio has ranged from 1.13 to 120.83. According to the industry distribution chart, PT Bank Jago Tbk ranks #1136 out of 1516 companies in the Banks industry, placing it in the top 74.9%.
Is PT Bank Jago Tbk's PB Ratio too high?
PT Bank Jago Tbk's current PB Ratio of 1.41 is 64% below median its 10-year median of 3.90. Over the past 10 years, this metric has ranged from a low of 1.13 to a high of 120.83. The Banks industry median PB Ratio is 1.09. PT Bank Jago Tbk's value of 1.41 is 29.4% above this industry median. Based on the distribution chart, PT Bank Jago Tbk ranks #1136 out of 1516 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Jago Tbk has a GF Score™ of 66/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Jago Tbk's PB Ratio compare to competitors?
According to the Banks industry distribution chart, PT Bank Jago Tbk ranks #1136 out of 1516 companies for PB Ratio. This places PT Bank Jago Tbk in the lower half of its industry. The industry median PB Ratio is 1.09. PT Bank Jago Tbk's value of 1.41 is 29.4% above this benchmark. Historically, PT Bank Jago Tbk's own PB Ratio has ranged from 1.13 to 120.83 over the past decade. While the company's 10-year median is 3.90 vs. the industry median of 1.09, PT Bank Jago Tbk has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Jago Tbk's current PB Ratio of 1.41 is 29.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Bank Jago Tbk and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Jago Tbk's current PB Ratio is 1.41, which is 64% below median its own 10-year median of 3.90. 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 Rp4,278.90, compared to a current price of Rp905.00 — trading 78.8% below its estimated fair value. The current PB Ratio is 1.41, which is 64% below median its 10-year median of 3.90 and 29.4% above the Banks industry median of 1.09. PT Bank Jago Tbk's overall GF Score™ is 66/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PT Bank Jago Tbk (ISX:ARTO), the current PB Ratio is 1.41 as of Jun. 26, 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 Rp905.00 is trading 78.8% below its estimated GF Value™ of Rp4,278.90.
GuruFocus considers PT Bank Jago Tbk to be Significantly Undervalued.
Key valuation signals for ISX:ARTO:
PB Ratio: 1.41 (64% below median its 10-year median of 3.90)
GF Value™: Rp4,278.90 vs. price of Rp905.00 (78.8% below fair value)
Industry Position: 29.4% above the Banks median (#1136 of 1516)
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.
66GF Score
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