PT Bank Central Asia TbkPBCRF -11.90%57 Return-on-Tangible-Equity is 21.72% as of Mar. 2026, which is 13% above its 10-year median of 19.29. GuruFocus rates PBCRF with a GF Scoreâ„¢ of 57/100 and a GF Valueâ„¢ of $0.64 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,523 Banks companies, PT Bank Central Asia Tbk ranks better than 91.92% 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 Central Asia Tbk's annualized net income for the quarter that ended in Mar. 2026 was $3,470 Mil. PT Bank Central Asia Tbk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $15,972 Mil. Therefore, PT Bank Central Asia Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 21.72%.
The historical rank and industry rank for PT Bank Central Asia Tbk's Return-on-Tangible-Equity or its related term are showing as below:
PBCRF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 15.26 Med: 19.29 Max: 22.06
Current: 22.06
During the past 13 years, PT Bank Central Asia Tbk's highest Return-on-Tangible-Equity was 22.06%. The lowest was 15.26%. And the median was 19.29%.
PBCRF's Return-on-Tangible-Equity is ranked better than 91.92% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs PBCRF: 22.06
PT Bank Central Asia Tbk (OTCPK:PBCRF) 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 Central Asia Tbk Return-on-Tangible-Equity Related Terms
PT Bank Central Asia Tbk Return-on-Tangible-Equity Historical Data
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The historical data trend for PT Bank Central Asia 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 Central Asia Tbk Return-on-Tangible-Equity Chart
PT Bank Central Asia Tbk Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Central Asia 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 Central Asia Tbk Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Central Asia Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Central Asia 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 21.72% mean?
PT Bank Central Asia Tbk (PBCRF) has a Return-on-Tangible-Equity of 21.72% 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 Central Asia Tbk and its competitors. This is 13% above median its historical median of 19.29. Over the past decade, PT Bank Central Asia Tbk's Return-on-Tangible-Equity has ranged from 15.26 to 22.06. According to the industry distribution chart, PT Bank Central Asia Tbk ranks #123 out of 1523 companies in the Banks industry, placing it in the top 8.1%.
Is PT Bank Central Asia Tbk's Return-on-Tangible-Equity too high?
PT Bank Central Asia Tbk's current Return-on-Tangible-Equity of 21.72% is 13% above median its 10-year median of 19.29. Over the past 10 years, this metric has ranged from a low of 15.26 to a high of 22.06. The Banks industry median Return-on-Tangible-Equity is 11.20. PT Bank Central Asia Tbk's value of 21.72% is 93.9% above this industry median. Based on the distribution chart, PT Bank Central Asia Tbk ranks #123 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Central Asia 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 Central Asia Tbk's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Central Asia Tbk ranks #123 out of 1523 companies for Return-on-Tangible-Equity. This places PT Bank Central Asia Tbk in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. PT Bank Central Asia Tbk's value of 21.72% is 93.9% above this benchmark. Historically, PT Bank Central Asia Tbk's own Return-on-Tangible-Equity has ranged from 15.26 to 22.06 over the past decade. While the company's 10-year median is 19.29 vs. the industry median of 11.20, PT Bank Central Asia 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 Central Asia Tbk's current Return-on-Tangible-Equity of 21.72% is 93.9% 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 Central Asia 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 Central Asia Tbk's current Return-on-Tangible-Equity is 21.72%, which is 13% above median its own 10-year median of 19.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Central Asia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Central Asia Tbk (PBCRF) is currently considered Significantly Undervalued. The stock's GF Value™ is $0.64, compared to a current price of $0.31 — trading 51.3% below its estimated fair value. The current Return-on-Tangible-Equity is 21.72%, which is 13% above median its 10-year median of 19.29 and 93.9% above the Banks industry median of 11.20. PT Bank Central Asia Tbk's overall GF Score™ is 57/100 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 Central Asia Tbk (PBCRF), the current Return-on-Tangible-Equity is 21.72% 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 Central Asia Tbk (PBCRF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Central Asia Tbk stock appears to be undervalued.
The current stock price of $0.31 is trading 51.3% below its estimated GF Value™ of $0.64.
GuruFocus considers PT Bank Central Asia Tbk to be Significantly Undervalued.
Key valuation signals for PBCRF:
Return-on-Tangible-Equity: 21.72% (13% above median its 10-year median of 19.29)
GF Value™: $0.64 vs. price of $0.31 (51.3% below fair value)
Industry Position: 93.9% above the Banks median (#123 of 1523)
No single metric tells the full story. See the PBCRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Central Asia Tbk is an Indonesia-based banking service provider operating as a Sharia bank. The bank provides various financial solutions to its customers through its inter-branch links, ATM network, and electronic banking services. It offers loans, deposit accounts, mutual fund investments, fixed income products, and credit facilities, among other banking products and services. Its segments are Loans, which derives maximum revenue, Treasury, and Others. The customer base mainly includes individuals, small and medium businesses, and corporations. Its business segment is classified into five geographic areas, which are Sumatera, Java, Kalimantan, East Indonesia, and overseas operations.
57GF Score
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