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The historical rank and industry rank for PT Bank JTrust Indonesia Tbk's Return-on-Tangible-Asset or its related term are showing as below:
ISX:BCIC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -4.97 Med: -0.54 Max: 0.74
Current: -1.25
During the past 13 years, PT Bank JTrust Indonesia Tbk's highest Return-on-Tangible-Asset was 0.74%. The lowest was -4.97%. And the median was -0.54%.
ISX:BCIC's Return-on-Tangible-Asset is ranked worse than 98.03% of 1524
companies
in the Banks industry
Industry Median: 1
vs ISX:BCIC: -1.25
PT Bank JTrust Indonesia Tbk (ISX:BCIC) 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 JTrust Indonesia Tbk Return-on-Tangible-Asset Related Terms
PT Bank JTrust Indonesia Tbk Return-on-Tangible-Asset Historical Data
* 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 JTrust Indonesia Tbk Return-on-Tangible-Asset Chart
PT Bank JTrust Indonesia Tbk Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, PT Bank JTrust Indonesia 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 JTrust Indonesia Tbk Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank JTrust Indonesia Tbk's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PT Bank JTrust Indonesia 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 0.27% mean?
PT Bank JTrust Indonesia Tbk (ISX:BCIC) has a Return-on-Tangible-Asset of 0.27% 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 JTrust Indonesia Tbk and its competitors. According to the industry distribution chart, PT Bank JTrust Indonesia Tbk ranks #1494 out of 1524 companies in the Banks industry, placing it in the top 98%.
Is PT Bank JTrust Indonesia Tbk's Return-on-Tangible-Asset too high?
PT Bank JTrust Indonesia Tbk's current Return-on-Tangible-Asset is 0.27%. The Banks industry median Return-on-Tangible-Asset is 1.00. PT Bank JTrust Indonesia Tbk's value of 0.27% is 73% below this industry median. Based on the distribution chart, PT Bank JTrust Indonesia Tbk ranks #1494 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank JTrust Indonesia Tbk has a GF Score™ of 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank JTrust Indonesia Tbk's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, PT Bank JTrust Indonesia Tbk ranks #1494 out of 1524 companies for Return-on-Tangible-Asset. This places PT Bank JTrust Indonesia Tbk in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. PT Bank JTrust Indonesia Tbk's value of 0.27% is 73% 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 1.00, based on 1,524 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 JTrust Indonesia Tbk's current Return-on-Tangible-Asset of 0.27% is 73% 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 JTrust Indonesia Tbk and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank JTrust Indonesia Tbk's current Return-on-Tangible-Asset is 0.27%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank JTrust Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk (ISX:BCIC) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp110.47, compared to a current price of Rp127.00 — trading 15% above its estimated fair value. The current Return-on-Tangible-Asset is 0.27% and 73% below the Banks industry median of 1.00. PT Bank JTrust Indonesia Tbk's overall GF Score™ is 49/100 with 2 warning signs to review. 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 JTrust Indonesia Tbk (ISX:BCIC), the current Return-on-Tangible-Asset is 0.27% 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 JTrust Indonesia Tbk (ISX:BCIC) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp127.00 is trading 15% above its estimated GF Value™ of Rp110.47.
GuruFocus considers PT Bank JTrust Indonesia Tbk to be Modestly Overvalued.
Key valuation signals for ISX:BCIC:
Return-on-Tangible-Asset: 0.27%
GF Value™: Rp110.47 vs. price of Rp127.00 (15% above fair value)
Industry Position: 73% below the Banks median (#1494 of 1524)
No single metric tells the full story. See the ISX:BCIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank JTrust Indonesia Tbk is an Indonesia-based financial institution. It is engaged in providing financial services. The company's business activities include Corporate Banking, Commercial & SME services, Business Linkage & Consumer operations, a dedicated Japan/Korean Desk, and Funding activities. The company's business divisions are Retail funding, Loan and export/import and Treasury. Its products and services include public deposit taking in the form of demand deposits, and time deposits, providing credit/loans, either for the long term, medium-term, or short-term loan, fund transfer, and foreign exchange activities in accordance with regulations from Bank Indonesia. The company derives maximum revenue from the Loan and export/import segment.
49GF Score
Get the complete analysis for ISX:BCIC
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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