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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 Maybank Indonesia Tbk's annualized net income for the quarter that ended in Mar. 2026 was Rp1,197,012 Mil. PT Bank Maybank Indonesia Tbk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was Rp31,912,953 Mil. Therefore, PT Bank Maybank Indonesia Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.75%.
The historical rank and industry rank for PT Bank Maybank Indonesia Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:BNII'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.71 Med: 6 Max: 11.45
Current: 5.05
During the past 13 years, PT Bank Maybank Indonesia Tbk's highest Return-on-Tangible-Equity was 11.45%. The lowest was 3.71%. And the median was 6.00%.
ISX:BNII's Return-on-Tangible-Equity is ranked worse than 83.06% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs ISX:BNII: 5.05
PT Bank Maybank Indonesia Tbk (ISX:BNII) 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 Maybank Indonesia Tbk Return-on-Tangible-Equity Related Terms
PT Bank Maybank Indonesia 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 Maybank Indonesia Tbk Return-on-Tangible-Equity Chart
PT Bank Maybank Indonesia Tbk Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Maybank 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 Maybank Indonesia Tbk Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Maybank Indonesia Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Maybank 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 3.75% mean?
PT Bank Maybank Indonesia Tbk (ISX:BNII) has a Return-on-Tangible-Equity of 3.75% 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 Maybank Indonesia Tbk and its competitors. This is 38% below median its historical median of 6.00. Over the past decade, PT Bank Maybank Indonesia Tbk's Return-on-Tangible-Equity has ranged from 3.71 to 11.45. According to the industry distribution chart, PT Bank Maybank Indonesia Tbk ranks #1265 out of 1523 companies in the Banks industry, placing it in the top 83.1%.
Is PT Bank Maybank Indonesia Tbk's Return-on-Tangible-Equity too high?
PT Bank Maybank Indonesia Tbk's current Return-on-Tangible-Equity of 3.75% is 38% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 3.71 to a high of 11.45. The Banks industry median Return-on-Tangible-Equity is 11.20. PT Bank Maybank Indonesia Tbk's value of 3.75% is 66.5% below this industry median. Based on the distribution chart, PT Bank Maybank Indonesia Tbk ranks #1265 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Maybank Indonesia Tbk has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Maybank Indonesia Tbk's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Maybank Indonesia Tbk ranks #1265 out of 1523 companies for Return-on-Tangible-Equity. This places PT Bank Maybank Indonesia Tbk in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. PT Bank Maybank Indonesia Tbk's value of 3.75% is 66.5% below this benchmark. Historically, PT Bank Maybank Indonesia Tbk's own Return-on-Tangible-Equity has ranged from 3.71 to 11.45 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 11.20, PT Bank Maybank Indonesia Tbk has consistently been below 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 Maybank Indonesia Tbk's current Return-on-Tangible-Equity of 3.75% is 66.5% 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 Maybank 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 Maybank Indonesia Tbk's current Return-on-Tangible-Equity is 3.75%, which is 38% below median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Maybank Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Maybank Indonesia Tbk (ISX:BNII) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp223.54, compared to a current price of Rp190.00 — trading 15% below its estimated fair value. The current Return-on-Tangible-Equity is 3.75%, which is 38% below median its 10-year median of 6.00 and 66.5% below the Banks industry median of 11.20. PT Bank Maybank Indonesia Tbk's overall GF Score™ is 55/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For PT Bank Maybank Indonesia Tbk (ISX:BNII), the current Return-on-Tangible-Equity is 3.75% 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 Maybank Indonesia Tbk (ISX:BNII) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Maybank Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp190.00 is trading 15% below its estimated GF Value™ of Rp223.54.
GuruFocus considers PT Bank Maybank Indonesia Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BNII:
Return-on-Tangible-Equity: 3.75% (38% below median its 10-year median of 6.00)
GF Value™: Rp223.54 vs. price of Rp190.00 (15% below fair value)
Industry Position: 66.5% below the Banks median (#1265 of 1523)
No single metric tells the full story. See the ISX:BNII stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Maybank Indonesia Tbk Business Description
PT Bank Maybank Indonesia Tbk is an Indonesia-based company engaged in the banking sector. It provides various products and services for individual and corporate customers through Community Financial Services (Retail Banking and Non-Retail Banking), and Global Banking, as well as automotive financing through its subsidiaries. Its product and service offerings include digital banking solutions, credit cards, deposit accounts, different types of loans and advances, shariah wealth management, and others. The company, along with its subsidiaries, operates in the following segments: Global Banking, which derives key revenue, the Business Banking segment, Retail segment. Geographically, it derives maximum revenue from its business in Indonesia and also has a presence outside Indonesia.
55GF Score
Get the complete analysis for ISX:BNII
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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