The historical rank and industry rank for PT Bank Multiarta Sentosa Tbk's Return-on-Tangible-Asset or its related term are showing as below:
ISX:MASB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.6 Med: 0.94 Max: 1.37
Current: 0.64
During the past 8 years, PT Bank Multiarta Sentosa Tbk's highest Return-on-Tangible-Asset was 1.37%. The lowest was 0.60%. And the median was 0.94%.
ISX:MASB's Return-on-Tangible-Asset is ranked worse than 70.55% of 1528
companies
in the Banks industry
Industry Median: 0.99
vs ISX:MASB: 0.64
PT Bank Multiarta Sentosa Tbk (ISX:MASB) 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 Multiarta Sentosa Tbk Return-on-Tangible-Asset Related Terms
PT Bank Multiarta Sentosa 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 Multiarta Sentosa Tbk Return-on-Tangible-Asset Chart
PT Bank Multiarta Sentosa Tbk Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, PT Bank Multiarta Sentosa 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 Multiarta Sentosa Tbk Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Multiarta Sentosa Tbk's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PT Bank Multiarta Sentosa 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 0.65% mean?
PT Bank Multiarta Sentosa Tbk (ISX:MASB) has a Return-on-Tangible-Asset of 0.65% 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 Multiarta Sentosa Tbk and its competitors. This is 31% below median its historical median of 0.94. Over the past decade, PT Bank Multiarta Sentosa Tbk's Return-on-Tangible-Asset has ranged from 0.60 to 1.37. According to the industry distribution chart, PT Bank Multiarta Sentosa Tbk ranks #1078 out of 1528 companies in the Banks industry, placing it in the top 70.5%.
Is PT Bank Multiarta Sentosa Tbk's Return-on-Tangible-Asset too high?
PT Bank Multiarta Sentosa Tbk's current Return-on-Tangible-Asset of 0.65% is 31% below median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.37. The Banks industry median Return-on-Tangible-Asset is 0.99. PT Bank Multiarta Sentosa Tbk's value of 0.65% is 34.3% below this industry median. Based on the distribution chart, PT Bank Multiarta Sentosa Tbk ranks #1078 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Multiarta Sentosa Tbk has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Multiarta Sentosa Tbk's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, PT Bank Multiarta Sentosa Tbk ranks #1078 out of 1528 companies for Return-on-Tangible-Asset. This places PT Bank Multiarta Sentosa Tbk in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. PT Bank Multiarta Sentosa Tbk's value of 0.65% is 34.3% below this benchmark. Historically, PT Bank Multiarta Sentosa Tbk's own Return-on-Tangible-Asset has ranged from 0.60 to 1.37 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 0.99, PT Bank Multiarta Sentosa Tbk has consistently been below 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,528 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 Multiarta Sentosa Tbk's current Return-on-Tangible-Asset of 0.65% is 34.3% 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 Multiarta Sentosa 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 Multiarta Sentosa Tbk's current Return-on-Tangible-Asset is 0.65%, which is 31% below median its own 10-year median of 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Multiarta Sentosa Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Multiarta Sentosa Tbk (ISX:MASB) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp4,060.42, compared to a current price of Rp3,380.00 — trading 16.8% below its estimated fair value. The current Return-on-Tangible-Asset is 0.65%, which is 31% below median its 10-year median of 0.94 and 34.3% below the Banks industry median of 0.99. PT Bank Multiarta Sentosa Tbk's overall GF Score™ is 74/100 with 1 warning sign 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 Multiarta Sentosa Tbk (ISX:MASB), the current Return-on-Tangible-Asset is 0.65% 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 Multiarta Sentosa Tbk (ISX:MASB) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Multiarta Sentosa Tbk stock appears to be undervalued.
The current stock price of Rp3,380.00 is trading 16.8% below its estimated GF Value™ of Rp4,060.42.
GuruFocus considers PT Bank Multiarta Sentosa Tbk to be Modestly Undervalued.
Key valuation signals for ISX:MASB:
Return-on-Tangible-Asset: 0.65% (31% below median its 10-year median of 0.94)
GF Value™: Rp4,060.42 vs. price of Rp3,380.00 (16.8% below fair value)
Industry Position: 34.3% below the Banks median (#1078 of 1528)
No single metric tells the full story. See the ISX:MASB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Multiarta Sentosa Tbk Business Description
PT Bank Multiarta Sentosa Tbk provides banking services. The company offers loans, savings, e-banking, and other financial services. The products and services are offered to small and medium businesses and the commercial sector, and to meet the personal banking needs of business owners, families, and employees. The Bank's operations are organized into four segments: loans, Treasury, Trade Finance, and others. The company earns the majority of its revenue from the Treasury segment.
74GF Score
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