Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. PT Bank Jago Tbk's annualized net income for the quarter that ended in Mar. 2026 was Rp343,104 Mil. PT Bank Jago Tbk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was Rp6,481,083 Mil. Therefore, PT Bank Jago Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 5.29%.
The historical rank and industry rank for PT Bank Jago Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:ARTO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -30.63 Med: -2.95 Max: 4.65
Current: 4.65
During the past 11 years, PT Bank Jago Tbk's highest Return-on-Tangible-Equity was 4.65%. The lowest was -30.63%. And the median was -2.95%.
ISX:ARTO's Return-on-Tangible-Equity is ranked worse than 85.03% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs ISX:ARTO: 4.65
PT Bank Jago Tbk (ISX:ARTO) 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 Jago Tbk Return-on-Tangible-Equity Related Terms
PT Bank Jago Tbk Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for PT Bank Jago Tbk's Return-on-Tangible-Equity 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 Jago Tbk Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Jago 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 Jago Tbk Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Jago Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Jago 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 5.29% mean?
PT Bank Jago Tbk (ISX:ARTO) has a Return-on-Tangible-Equity of 5.29% 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 Jago Tbk and its competitors. According to the industry distribution chart, PT Bank Jago Tbk ranks #1295 out of 1523 companies in the Banks industry, placing it in the top 85%.
Is PT Bank Jago Tbk's Return-on-Tangible-Equity too high?
PT Bank Jago Tbk's current Return-on-Tangible-Equity is 5.29%. The Banks industry median Return-on-Tangible-Equity is 11.19. PT Bank Jago Tbk's value of 5.29% is 52.7% below this industry median. Based on the distribution chart, PT Bank Jago Tbk ranks #1295 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Jago Tbk has a GF Score™ of 67/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Jago Tbk's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Jago Tbk ranks #1295 out of 1523 companies for Return-on-Tangible-Equity. This places PT Bank Jago Tbk in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. PT Bank Jago Tbk's value of 5.29% is 52.7% 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, 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 Jago Tbk's current Return-on-Tangible-Equity of 5.29% is 52.7% 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-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 Jago Tbk and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Jago Tbk's current Return-on-Tangible-Equity is 5.29%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Jago Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Jago Tbk (ISX:ARTO) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp4,333.05, compared to a current price of Rp1,040.00 — trading 76% below its estimated fair value. The current Return-on-Tangible-Equity is 5.29% and 52.7% below the Banks industry median of 11.19. PT Bank Jago Tbk's overall GF Score™ is 67/100. 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 Jago Tbk (ISX:ARTO), the current Return-on-Tangible-Equity is 5.29% 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 Jago Tbk (ISX:ARTO) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Jago Tbk stock appears to be undervalued.
The current stock price of Rp1,040.00 is trading 76% below its estimated GF Value™ of Rp4,333.05.
GuruFocus considers PT Bank Jago Tbk to be Significantly Undervalued.
Key valuation signals for ISX:ARTO:
Return-on-Tangible-Equity: 5.29%
GF Value™: Rp4,333.05 vs. price of Rp1,040.00 (76% below fair value)
Industry Position: 52.7% below the Banks median (#1295 of 1523)
No single metric tells the full story. See the ISX:ARTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Jago Tbk is an Indonesian-based banking company. It offers various banking products and services that are categorized into funding and lending activities, along with other supporting banking services. Its funding activities are Saving & Spending Pockets, Locked Pockets, Shared Pockets, Giveaway Pockets, and others. Its Lending activities are a technology-based bank that serves the small and medium enterprises segment, the retail segment, and the mass market segment. Its operating segments are Outside Jakarta and DKI Jakarta.
67GF Score
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