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FRA:BYRA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.75 Med: 19.52 Max: 21.61
Current: 20.33
During the past 13 years, PT Bank Rakyat Indonesia (Persero) Tbk's highest Return-on-Tangible-Equity was 21.61%. The lowest was 9.75%. And the median was 19.52%.
FRA:BYRA's Return-on-Tangible-Equity is ranked better than 90.09% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs FRA:BYRA: 20.33
PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
PT Bank Rakyat Indonesia (Persero) Tbk Return-on-Tangible-Equity Related Terms
PT Bank Rakyat Indonesia (Persero) Tbk Return-on-Tangible-Equity 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 Rakyat Indonesia (Persero) Tbk Return-on-Tangible-Equity Chart
PT Bank Rakyat Indonesia (Persero) Tbk Annual Data
PT Bank Rakyat Indonesia (Persero) Tbk Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Rakyat Indonesia (Persero) Tbk's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Rakyat Indonesia (Persero) Tbk Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Rakyat Indonesia (Persero) Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Rakyat Indonesia (Persero) Tbk's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 20.88% mean?
PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) has a Return-on-Tangible-Equity of 20.88% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PT Bank Rakyat Indonesia (Persero) Tbk and its competitors. This is near median its historical median of 19.52. Over the past decade, PT Bank Rakyat Indonesia (Persero) Tbk's Return-on-Tangible-Equity has ranged from 9.75 to 21.61. According to the industry distribution chart, PT Bank Rakyat Indonesia (Persero) Tbk ranks #151 out of 1523 companies in the Banks industry, placing it in the top 9.9%.
Is PT Bank Rakyat Indonesia (Persero) Tbk's Return-on-Tangible-Equity too high?
PT Bank Rakyat Indonesia (Persero) Tbk's current Return-on-Tangible-Equity of 20.88% is near median its 10-year median of 19.52. Over the past 10 years, this metric has ranged from a low of 9.75 to a high of 21.61. The Banks industry median Return-on-Tangible-Equity is 11.20. PT Bank Rakyat Indonesia (Persero) Tbk's value of 20.88% is 86.4% above this industry median. Based on the distribution chart, PT Bank Rakyat Indonesia (Persero) Tbk ranks #151 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Rakyat Indonesia (Persero) Tbk has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Rakyat Indonesia (Persero) Tbk's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Rakyat Indonesia (Persero) Tbk ranks #151 out of 1523 companies for Return-on-Tangible-Equity. This places PT Bank Rakyat Indonesia (Persero) Tbk in the top 10% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. PT Bank Rakyat Indonesia (Persero) Tbk's value of 20.88% is 86.4% above this benchmark. Historically, PT Bank Rakyat Indonesia (Persero) Tbk's own Return-on-Tangible-Equity has ranged from 9.75 to 21.61 over the past decade. While the company's 10-year median is 19.52 vs. the industry median of 11.20, PT Bank Rakyat 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Rakyat Indonesia (Persero) Tbk's current Return-on-Tangible-Equity of 20.88% is 86.4% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PT Bank Rakyat Indonesia (Persero) Tbk and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Rakyat Indonesia (Persero) Tbk's current Return-on-Tangible-Equity is 20.88%, which is near median its own 10-year median of 19.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Rakyat Indonesia (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) is currently considered Significantly Undervalued. The stock's GF Value™ is €0.26, compared to a current price of €0.14 — trading 46.2% below its estimated fair value. The current Return-on-Tangible-Equity is 20.88%, which is near median its 10-year median of 19.52 and 86.4% above the Banks industry median of 11.20. PT Bank Rakyat Indonesia (Persero) Tbk's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA), the current Return-on-Tangible-Equity is 20.88% 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 Rakyat Indonesia (Persero) Tbk (FRA:BYRA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Rakyat Indonesia (Persero) Tbk stock appears to be undervalued.
The current stock price of €0.14 is trading 46.2% below its estimated GF Value™ of €0.26.
GuruFocus considers PT Bank Rakyat Indonesia (Persero) Tbk to be Significantly Undervalued.
Key valuation signals for FRA:BYRA:
Return-on-Tangible-Equity: 20.88% (near median its 10-year median of 19.52)
GF Value™: €0.26 vs. price of €0.14 (46.2% below fair value)
Industry Position: 86.4% above the Banks median (#151 of 1523)
No single metric tells the full story. See the FRA:BYRA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Rakyat Indonesia (Persero) Tbk Business Description
PT Bank Rakyat Indonesia (Persero) Tbk operates in the banking sector. It provides and tailors banking services to micro, small, and medium enterprises. Its segments are Micro, Retail, Corporate, Others, and Subsidiaries. The majority of its revenue is generated from the Micro segment. The company emphasizes integrating financial technology across its platforms to improve access for its customer base. Its core business services include collecting customer deposits, loan disbursement, issuing promissory notes and loan agreements, and collateralizing assets. Its loan products include working capital loans for corporate and commercial customers, as well as mortgages for consumer customers.
70GF Score
Get the complete analysis for FRA:BYRA
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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