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PT Bank Nationalnobu TbkISX:NOBU +0.94%57 Return-on-Tangible-Equity is 17.82% as of Jun. 2026, which is 359% above its 10-year median of 3.88. GuruFocus rates ISX:NOBU with a GF Score™ of 57/100 and a GF Value™ of Rp954.80 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,514 Banks companies, PT Bank Nationalnobu Tbk ranks better than 71.86% on this metric.
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 Nationalnobu Tbk's annualized net income for the quarter that ended in Jun. 2026 was Rp740,636 Mil. PT Bank Nationalnobu Tbk's average shareholder tangible equity for the quarter that ended in Jun. 2026 was Rp4,156,054 Mil. Therefore, PT Bank Nationalnobu Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 17.82%.
The historical rank and industry rank for PT Bank Nationalnobu Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:NOBU'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.41 Med: 3.88 Max: 14.64
Current: 14.64
During the past 13 years, PT Bank Nationalnobu Tbk's highest Return-on-Tangible-Equity was 14.64%. The lowest was 2.41%. And the median was 3.88%.
ISX:NOBU's Return-on-Tangible-Equity is ranked better than 71.86% of 1514
companies
in the Banks industry
Industry Median: 11.455
vs ISX:NOBU: 14.64
PT Bank Nationalnobu Tbk (ISX:NOBU) 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 Nationalnobu Tbk Return-on-Tangible-Equity Related Terms
PT Bank Nationalnobu Tbk Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for PT Bank Nationalnobu 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 Nationalnobu Tbk Return-on-Tangible-Equity Chart
PT Bank Nationalnobu Tbk Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Nationalnobu 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 Nationalnobu Tbk Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Nationalnobu Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Nationalnobu 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 (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 17.82% mean?
PT Bank Nationalnobu Tbk (ISX:NOBU) has a Return-on-Tangible-Equity of 17.82% as of Jun. 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 Nationalnobu Tbk and its competitors. This is 359% above median its historical median of 3.88. Over the past decade, PT Bank Nationalnobu Tbk's Return-on-Tangible-Equity has ranged from 2.41 to 14.64. According to the industry distribution chart, PT Bank Nationalnobu Tbk ranks #426 out of 1514 companies in the Banks industry, placing it in the top 28.1%.
Is PT Bank Nationalnobu Tbk's Return-on-Tangible-Equity too high?
PT Bank Nationalnobu Tbk's current Return-on-Tangible-Equity of 17.82% is 359% above median its 10-year median of 3.88. Over the past 10 years, this metric has ranged from a low of 2.41 to a high of 14.64. The Banks industry median Return-on-Tangible-Equity is 11.46. PT Bank Nationalnobu Tbk's value of 17.82% is 55.6% above this industry median. Based on the distribution chart, PT Bank Nationalnobu Tbk ranks #426 out of 1514 companies in the Banks industry, which is above the industry midpoint. Overall, PT Bank Nationalnobu Tbk has a GF Score™ of 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Nationalnobu Tbk's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Nationalnobu Tbk ranks #426 out of 1514 companies for Return-on-Tangible-Equity. This puts PT Bank Nationalnobu Tbk in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.46. PT Bank Nationalnobu Tbk's value of 17.82% is 55.6% above this benchmark. Historically, PT Bank Nationalnobu Tbk's own Return-on-Tangible-Equity has ranged from 2.41 to 14.64 over the past decade. While the company's 10-year median is 3.88 vs. the industry median of 11.46, PT Bank Nationalnobu 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 11.46, based on 1,514 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 Nationalnobu Tbk's current Return-on-Tangible-Equity of 17.82% is 55.6% 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-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 Nationalnobu Tbk and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Nationalnobu Tbk's current Return-on-Tangible-Equity is 17.82%, which is 359% above median its own 10-year median of 3.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Nationalnobu Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Nationalnobu Tbk (ISX:NOBU) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp954.80, compared to a current price of Rp535.00 — trading 44% below its estimated fair value. The current Return-on-Tangible-Equity is 17.82%, which is 359% above median its 10-year median of 3.88 and 55.6% above the Banks industry median of 11.46. PT Bank Nationalnobu Tbk's overall GF Score™ is 57/100 with 1 warning sign 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 Nationalnobu Tbk (ISX:NOBU), the current Return-on-Tangible-Equity is 17.82% as of Jun. 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 Nationalnobu Tbk (ISX:NOBU) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Nationalnobu Tbk stock appears to be undervalued.
The current stock price of Rp535.00 is trading 44% below its estimated GF Value™ of Rp954.80.
GuruFocus considers PT Bank Nationalnobu Tbk to be Significantly Undervalued.
Key valuation signals for ISX:NOBU:
Return-on-Tangible-Equity: 17.82% (359% above median its 10-year median of 3.88)
GF Value™: Rp954.80 vs. price of Rp535.00 (44% below fair value)
Industry Position: 55.6% above the Banks median (#426 of 1514)
No single metric tells the full story. See the ISX:NOBU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Nationalnobu Tbk is engaged in providing banking products and services. It provides general banking services like accepting deposits, granting loans and advances, retail internet banking, corporate internet banking, e-money, asset management services, savings and current accounts, and many others. It operates through two segments Corporate and Tresury. It generates majority of the revenue from Corporate segment. It operates mainly in Indonesia.
57GF Score
Get the complete analysis for ISX:NOBU
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