PT Bank Mandiri (Persero) TbkPPERF 58 Return-on-Tangible-Equity is 20.85% as of Mar. 2026, which is 43% above its 10-year median of 14.59. GuruFocus rates PPERF with a GF Score™ of 58/100 and a GF Value™ of $0.46 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, PT Bank Mandiri (Persero) Tbk ranks better than 91.6% 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 Mandiri (Persero) Tbk's annualized net income for the quarter that ended in Mar. 2026 was $3,635 Mil. PT Bank Mandiri (Persero) Tbk's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $17,430 Mil. Therefore, PT Bank Mandiri (Persero) Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 20.85%.
The historical rank and industry rank for PT Bank Mandiri (Persero) Tbk's Return-on-Tangible-Equity or its related term are showing as below:
PPERF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.7 Med: 14.59 Max: 22.96
Current: 21.37
During the past 13 years, PT Bank Mandiri (Persero) Tbk's highest Return-on-Tangible-Equity was 22.96%. The lowest was 8.70%. And the median was 14.59%.
PPERF's Return-on-Tangible-Equity is ranked better than 91.6% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs PPERF: 21.37
PT Bank Mandiri (Persero) Tbk (OTCPK:PPERF) 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 Mandiri (Persero) Tbk Return-on-Tangible-Equity Related Terms
PT Bank Mandiri (Persero) 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 Mandiri (Persero) Tbk Return-on-Tangible-Equity Chart
PT Bank Mandiri (Persero) Tbk Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Mandiri (Persero) 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 Mandiri (Persero) Tbk Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Mandiri (Persero) Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Mandiri (Persero) 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 20.85% mean?
PT Bank Mandiri (Persero) Tbk (PPERF) has a Return-on-Tangible-Equity of 20.85% 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 Mandiri (Persero) Tbk and its competitors. This is 43% above median its historical median of 14.59. Over the past decade, PT Bank Mandiri (Persero) Tbk's Return-on-Tangible-Equity has ranged from 8.70 to 22.96. According to the industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #128 out of 1523 companies in the Banks industry, placing it in the top 8.4%.
Is PT Bank Mandiri (Persero) Tbk's Return-on-Tangible-Equity too high?
PT Bank Mandiri (Persero) Tbk's current Return-on-Tangible-Equity of 20.85% is 43% above median its 10-year median of 14.59. Over the past 10 years, this metric has ranged from a low of 8.70 to a high of 22.96. The Banks industry median Return-on-Tangible-Equity is 11.19. PT Bank Mandiri (Persero) Tbk's value of 20.85% is 86.3% above this industry median. Based on the distribution chart, PT Bank Mandiri (Persero) Tbk ranks #128 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Mandiri (Persero) Tbk has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Mandiri (Persero) Tbk's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #128 out of 1523 companies for Return-on-Tangible-Equity. This places PT Bank Mandiri (Persero) Tbk in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. PT Bank Mandiri (Persero) Tbk's value of 20.85% is 86.3% above this benchmark. Historically, PT Bank Mandiri (Persero) Tbk's own Return-on-Tangible-Equity has ranged from 8.70 to 22.96 over the past decade. While the company's 10-year median is 14.59 vs. the industry median of 11.19, PT Bank Mandiri (Persero) 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 11.19, 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 Mandiri (Persero) Tbk's current Return-on-Tangible-Equity of 20.85% is 86.3% 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 Mandiri (Persero) 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 Mandiri (Persero) Tbk's current Return-on-Tangible-Equity is 20.85%, which is 43% above median its own 10-year median of 14.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Mandiri (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk (PPERF) is currently considered Significantly Undervalued. The stock's GF Value™ is $0.46, compared to a current price of $0.24 — trading 48.6% below its estimated fair value. The current Return-on-Tangible-Equity is 20.85%, which is 43% above median its 10-year median of 14.59 and 86.3% above the Banks industry median of 11.19. PT Bank Mandiri (Persero) Tbk's overall GF Score™ is 58/100 with 4 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 Mandiri (Persero) Tbk (PPERF), the current Return-on-Tangible-Equity is 20.85% 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 Mandiri (Persero) Tbk (PPERF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk stock appears to be undervalued.
The current stock price of $0.24 is trading 48.6% below its estimated GF Value™ of $0.46.
GuruFocus considers PT Bank Mandiri (Persero) Tbk to be Significantly Undervalued.
Key valuation signals for PPERF:
Return-on-Tangible-Equity: 20.85% (43% above median its 10-year median of 14.59)
GF Value™: $0.46 vs. price of $0.24 (48.6% below fair value)
Industry Position: 86.3% above the Banks median (#128 of 1523)
No single metric tells the full story. See the PPERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Mandiri (Persero) Tbk Business Description
PT Bank Mandiri (Persero) Tbk is engaged in the provision of banking services. Its services include collecting funds from the public in forms of current accounts, term deposits, deposit certificates, savings, and/or other equivalent forms; Lending; Issuing promissory notes; Purchasing, selling, or guaranteeing on own risk or for the interest of and upon orders of the customers; and money transfer for self- interest or customers' interest. Its segments include the Wholesale segment and the Retail segment. Geographically, it operates in Indonesia, Asia (Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia), Western Europe (United Kingdom), and the Cayman Islands.
58GF Score
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