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PBNNF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.38 Med: 1.9 Max: 2.08
Current: 1.59
During the past 13 years, PT Bank Negara Indonesia (Persero) Tbk's highest Return-on-Tangible-Asset was 2.08%. The lowest was 0.38%. And the median was 1.90%.
PBNNF's Return-on-Tangible-Asset is ranked better than 79.59% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs PBNNF: 1.59
PT Bank Negara Indonesia (Persero) Tbk (OTCPK:PBNNF) 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 Negara Indonesia (Persero) Tbk Return-on-Tangible-Asset Related Terms
PT Bank Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk Return-on-Tangible-Asset Chart
PT Bank Negara Indonesia (Persero) Tbk Annual Data
PT Bank Negara Indonesia (Persero) Tbk Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, PT Bank Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Negara Indonesia (Persero) Tbk's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PT Bank Negara Indonesia (Persero) 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 1.61% mean?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a Return-on-Tangible-Asset of 1.61% 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 Negara Indonesia (Persero) Tbk and its competitors. This is 15% below median its historical median of 1.90. Over the past decade, PT Bank Negara Indonesia (Persero) Tbk's Return-on-Tangible-Asset has ranged from 0.38 to 2.08. According to the industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #312 out of 1529 companies in the Banks industry, placing it in the top 20.4%.
Is PT Bank Negara Indonesia (Persero) Tbk's Return-on-Tangible-Asset too high?
PT Bank Negara Indonesia (Persero) Tbk's current Return-on-Tangible-Asset of 1.61% is 15% below median its 10-year median of 1.90. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 2.08. The Banks industry median Return-on-Tangible-Asset is 0.99. PT Bank Negara Indonesia (Persero) Tbk's value of 1.61% is 62.6% above this industry median. Based on the distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #312 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Negara Indonesia (Persero) Tbk has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Negara Indonesia (Persero) Tbk's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #312 out of 1529 companies for Return-on-Tangible-Asset. This places PT Bank Negara Indonesia (Persero) Tbk in the top 20% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. PT Bank Negara Indonesia (Persero) Tbk's value of 1.61% is 62.6% above this benchmark. Historically, PT Bank Negara Indonesia (Persero) Tbk's own Return-on-Tangible-Asset has ranged from 0.38 to 2.08 over the past decade. While the company's 10-year median is 1.90 vs. the industry median of 0.99, PT Bank Negara Indonesia (Persero) 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 0.99, based on 1,529 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 Negara Indonesia (Persero) Tbk's current Return-on-Tangible-Asset of 1.61% is 62.6% 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 Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk's current Return-on-Tangible-Asset is 1.61%, which is 15% below median its own 10-year median of 1.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Negara Indonesia (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk (PBNNF) is currently considered Modestly Undervalued. The stock's GF Value™ is $0.27, compared to a current price of $0.24 — trading 11.1% below its estimated fair value. The current Return-on-Tangible-Asset is 1.61%, which is 15% below median its 10-year median of 1.90 and 62.6% above the Banks industry median of 0.99. PT Bank Negara Indonesia (Persero) Tbk's overall GF Score™ is 56/100 with 3 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 Negara Indonesia (Persero) Tbk (PBNNF), the current Return-on-Tangible-Asset is 1.61% 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 Negara Indonesia (Persero) Tbk (PBNNF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk stock appears to be undervalued.
The current stock price of $0.24 is trading 11.1% below its estimated GF Value™ of $0.27.
GuruFocus considers PT Bank Negara Indonesia (Persero) Tbk to be Modestly Undervalued.
Key valuation signals for PBNNF:
Return-on-Tangible-Asset: 1.61% (15% below median its 10-year median of 1.90)
GF Value™: $0.27 vs. price of $0.24 (11.1% below fair value)
Industry Position: 62.6% above the Banks median (#312 of 1529)
No single metric tells the full story. See the PBNNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Negara Indonesia (Persero) Tbk Business Description
PT Bank Negara Indonesia (Persero) Tbk is an Indonesian state-owned bank, with the government holding just over half of the bank's outstanding shares. Its main banking activities include deposit-taking, providing credit, issuing debt instruments, money transfer services, secondary market services, wholesale banking, custody banking, capital investment, and other services. Its segments include Wholesale & International Banking, Institutional Banking, Enterprises & Commercial Banking, Retail Banking and Treasury. The company generates the majority of its revenue from the Wholesale & International Banking segment which includes loans, customer deposits, and other transactions belonging to corporate customers, both BUMN and private business entities.
56GF Score
Get the complete analysis for PBNNF
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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