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Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. PT Bank Jago Tbk's annualizedNet Income for the quarter that ended in Mar. 2026 was Rp343,104 Mil. PT Bank Jago Tbk's average total tangible assets for the quarter that ended in Mar. 2026 was Rp35,629,949 Mil. Therefore, PT Bank Jago Tbk's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.96%.
The historical rank and industry rank for PT Bank Jago Tbk's Return-on-Tangible-Asset or its related term are showing as below:
ISX:ARTO'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -12.29 Med: -0.49 Max: 1.24
Current: 0.92
During the past 11 years, PT Bank Jago Tbk's highest Return-on-Tangible-Asset was 1.24%. The lowest was -12.29%. And the median was -0.49%.
ISX:ARTO's Return-on-Tangible-Asset is ranked worse than 55.27% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs ISX:ARTO: 0.92
PT Bank Jago Tbk (ISX:ARTO) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
PT Bank Jago Tbk Return-on-Tangible-Asset Related Terms
PT Bank Jago Tbk Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for PT Bank Jago Tbk's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, PT Bank Jago Tbk's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Jago Tbk's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PT Bank Jago Tbk's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.96% mean?
PT Bank Jago Tbk (ISX:ARTO) has a Return-on-Tangible-Asset of 0.96% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PT Bank Jago Tbk and its competitors. According to the industry distribution chart, PT Bank Jago Tbk ranks #844 out of 1527 companies in the Banks industry, placing it in the top 55.3%.
Is PT Bank Jago Tbk's Return-on-Tangible-Asset too high?
PT Bank Jago Tbk's current Return-on-Tangible-Asset is 0.96%. The Banks industry median Return-on-Tangible-Asset is 0.99. PT Bank Jago Tbk's value of 0.96% is 3% below this industry median. Based on the distribution chart, PT Bank Jago Tbk ranks #844 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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 Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, PT Bank Jago Tbk ranks #844 out of 1527 companies for Return-on-Tangible-Asset. This places PT Bank Jago Tbk in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. PT Bank Jago Tbk's value of 0.96% is 3% 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Jago Tbk's current Return-on-Tangible-Asset of 0.96% is 3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PT Bank Jago Tbk and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Jago Tbk's current Return-on-Tangible-Asset is 0.96%. 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 Rp4,402.62, compared to a current price of Rp1,395.00 — trading 68.3% below its estimated fair value. The current Return-on-Tangible-Asset is 0.96% and 3% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For PT Bank Jago Tbk (ISX:ARTO), the current Return-on-Tangible-Asset is 0.96% as of Mar. 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 Rp1,395.00 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:
Return-on-Tangible-Asset: 0.96%
GF Value™: Rp4,402.62 vs. price of Rp1,395.00 (68.3% below fair value)
Industry Position: 3% below the Banks median (#844 of 1527)
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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