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 QNB Indonesia Tbk's annualized net income for the quarter that ended in Mar. 2026 was Rp61,772 Mil. PT Bank QNB Indonesia Tbk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was Rp4,649,579 Mil. Therefore, PT Bank QNB Indonesia Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 1.33%.
The historical rank and industry rank for PT Bank QNB Indonesia Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:BKSW'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -39.22 Med: -5.19 Max: 1.5
Current: -0.95
During the past 13 years, PT Bank QNB Indonesia Tbk's highest Return-on-Tangible-Equity was 1.50%. The lowest was -39.22%. And the median was -5.19%.
ISX:BKSW's Return-on-Tangible-Equity is ranked worse than 96.39% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs ISX:BKSW: -0.95
PT Bank QNB Indonesia Tbk (ISX:BKSW) 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 QNB Indonesia Tbk Return-on-Tangible-Equity Related Terms
PT Bank QNB Indonesia Tbk Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for PT Bank QNB Indonesia 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 QNB Indonesia Tbk Return-on-Tangible-Equity Chart
PT Bank QNB Indonesia Tbk Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank QNB Indonesia 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 QNB Indonesia Tbk Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank QNB Indonesia Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank QNB Indonesia 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 1.33% mean?
PT Bank QNB Indonesia Tbk (ISX:BKSW) has a Return-on-Tangible-Equity of 1.33% 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 QNB Indonesia Tbk and its competitors. According to the industry distribution chart, PT Bank QNB Indonesia Tbk ranks #1468 out of 1523 companies in the Banks industry, placing it in the top 96.4%.
Is PT Bank QNB Indonesia Tbk's Return-on-Tangible-Equity too high?
PT Bank QNB Indonesia Tbk's current Return-on-Tangible-Equity is 1.33%. The Banks industry median Return-on-Tangible-Equity is 11.20. PT Bank QNB Indonesia Tbk's value of 1.33% is 88.1% below this industry median. Based on the distribution chart, PT Bank QNB Indonesia Tbk ranks #1468 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank QNB Indonesia Tbk has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank QNB Indonesia Tbk's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank QNB Indonesia Tbk ranks #1468 out of 1523 companies for Return-on-Tangible-Equity. This places PT Bank QNB Indonesia Tbk in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. PT Bank QNB Indonesia Tbk's value of 1.33% is 88.1% 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 11.20, 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 QNB Indonesia Tbk's current Return-on-Tangible-Equity of 1.33% is 88.1% 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 QNB Indonesia 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 QNB Indonesia Tbk's current Return-on-Tangible-Equity is 1.33%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank QNB Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank QNB Indonesia Tbk (ISX:BKSW) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp39.30, compared to a current price of Rp52.00 — trading 32.3% above its estimated fair value. The current Return-on-Tangible-Equity is 1.33% and 88.1% below the Banks industry median of 11.20. PT Bank QNB Indonesia Tbk's overall GF Score™ is 48/100 with 2 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 QNB Indonesia Tbk (ISX:BKSW), the current Return-on-Tangible-Equity is 1.33% 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 QNB Indonesia Tbk (ISX:BKSW) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank QNB Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp52.00 is trading 32.3% above its estimated GF Value™ of Rp39.30.
GuruFocus considers PT Bank QNB Indonesia Tbk to be Significantly Overvalued.
Key valuation signals for ISX:BKSW:
Return-on-Tangible-Equity: 1.33%
GF Value™: Rp39.30 vs. price of Rp52.00 (32.3% above fair value)
Industry Position: 88.1% below the Banks median (#1468 of 1523)
No single metric tells the full story. See the ISX:BKSW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank QNB Indonesia Tbk is a financial institution engaged in providing personal banking and wholesale banking services, including savings accounts, deposits, demand deposits, term deposits, current accounts, and cash management. It also offers loans and advances, overdrafts, credit facilities, borrowings, and other credit facilities. In addition, it offers services of debit and credit cards, safe deposit boxes, export-import services, fund transfer, and related services. The group operates its business in the lines of Credit, Treasury, and Trade Finance. The majority of the company's revenue comprises interest and dividend income, fees, and commission received from domestic business. The company has divided its operations into several regions: Jakarta, Sumatra, Java, & the East Region.
48GF Score
Get the complete analysis for ISX:BKSW
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:BKSW has been successfully added to your 
