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PT Bank Nationalnobu TbkISX:NOBU +0.94%57 Return-on-Tangible-Asset is 1.75% as of Jun. 2026, which is 338% above its 10-year median of 0.40. GuruFocus rates ISX:NOBU with a GF Score™ of 57/100 and a GF Value™ of Rp954.80 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,518 Banks companies, PT Bank Nationalnobu Tbk ranks better than 74.31% on this metric.
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 Nationalnobu Tbk's annualizedNet Income for the quarter that ended in Jun. 2026 was Rp740,636 Mil. PT Bank Nationalnobu Tbk's average total tangible assets for the quarter that ended in Jun. 2026 was Rp42,344,645 Mil. Therefore, PT Bank Nationalnobu Tbk's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.75%.
The historical rank and industry rank for PT Bank Nationalnobu Tbk's Return-on-Tangible-Asset or its related term are showing as below:
ISX:NOBU'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.35 Med: 0.4 Max: 1.47
Current: 1.47
During the past 13 years, PT Bank Nationalnobu Tbk's highest Return-on-Tangible-Asset was 1.47%. The lowest was 0.35%. And the median was 0.40%.
ISX:NOBU's Return-on-Tangible-Asset is ranked better than 74.31% of 1518
companies
in the Banks industry
Industry Median: 1.03
vs ISX:NOBU: 1.47
PT Bank Nationalnobu Tbk (ISX:NOBU) 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 Nationalnobu Tbk Return-on-Tangible-Asset Related Terms
PT Bank Nationalnobu Tbk Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for PT Bank Nationalnobu 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 Nationalnobu Tbk Return-on-Tangible-Asset Chart
PT Bank Nationalnobu Tbk Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, PT Bank Nationalnobu 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 Nationalnobu Tbk Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Nationalnobu Tbk's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PT Bank Nationalnobu 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 (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.75% mean?
PT Bank Nationalnobu Tbk (ISX:NOBU) has a Return-on-Tangible-Asset of 1.75% as of Jun. 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 Nationalnobu Tbk and its competitors. This is 338% above median its historical median of 0.40. Over the past decade, PT Bank Nationalnobu Tbk's Return-on-Tangible-Asset has ranged from 0.35 to 1.47. According to the industry distribution chart, PT Bank Nationalnobu Tbk ranks #390 out of 1518 companies in the Banks industry, placing it in the top 25.7%.
Is PT Bank Nationalnobu Tbk's Return-on-Tangible-Asset too high?
PT Bank Nationalnobu Tbk's current Return-on-Tangible-Asset of 1.75% is 338% above median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.47. The Banks industry median Return-on-Tangible-Asset is 1.03. PT Bank Nationalnobu Tbk's value of 1.75% is 69.9% above this industry median. Based on the distribution chart, PT Bank Nationalnobu Tbk ranks #390 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, PT Bank Nationalnobu Tbk has a GF Score™ of 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Nationalnobu Tbk's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, PT Bank Nationalnobu Tbk ranks #390 out of 1518 companies for Return-on-Tangible-Asset. This puts PT Bank Nationalnobu Tbk in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.03. PT Bank Nationalnobu Tbk's value of 1.75% is 69.9% above this benchmark. Historically, PT Bank Nationalnobu Tbk's own Return-on-Tangible-Asset has ranged from 0.35 to 1.47 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 1.03, PT Bank Nationalnobu 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,518 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 Nationalnobu Tbk's current Return-on-Tangible-Asset of 1.75% is 69.9% 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 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 Nationalnobu Tbk and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Nationalnobu Tbk's current Return-on-Tangible-Asset is 1.75%, which is 338% above median its own 10-year median of 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Nationalnobu Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Nationalnobu Tbk (ISX:NOBU) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp954.80, compared to a current price of Rp535.00 — trading 44% below its estimated fair value. The current Return-on-Tangible-Asset is 1.75%, which is 338% above median its 10-year median of 0.40 and 69.9% above the Banks industry median of 1.03. PT Bank Nationalnobu Tbk's overall GF Score™ is 57/100 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 Nationalnobu Tbk (ISX:NOBU), the current Return-on-Tangible-Asset is 1.75% 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 Nationalnobu Tbk (ISX:NOBU) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Nationalnobu Tbk stock appears to be undervalued.
The current stock price of Rp535.00 is trading 44% below its estimated GF Value™ of Rp954.80.
GuruFocus considers PT Bank Nationalnobu Tbk to be Significantly Undervalued.
Key valuation signals for ISX:NOBU:
Return-on-Tangible-Asset: 1.75% (338% above median its 10-year median of 0.40)
GF Value™: Rp954.80 vs. price of Rp535.00 (44% below fair value)
Industry Position: 69.9% above the Banks median (#390 of 1518)
No single metric tells the full story. See the ISX:NOBU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Nationalnobu Tbk is engaged in providing banking products and services. It provides general banking services like accepting deposits, granting loans and advances, retail internet banking, corporate internet banking, e-money, asset management services, savings and current accounts, and many others. It operates through two segments Corporate and Tresury. It generates majority of the revenue from Corporate segment. It operates mainly in Indonesia.
57GF Score
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