The historical rank and industry rank for PT Bank Tabungan Negara (Persero) Tbk's Return-on-Tangible-Equity or its related term are showing as below:
STU:TA2'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.88 Med: 11.91 Max: 15.88
Current: 10.84
During the past 13 years, PT Bank Tabungan Negara (Persero) Tbk's highest Return-on-Tangible-Equity was 15.88%. The lowest was 0.88%. And the median was 11.91%.
STU:TA2's Return-on-Tangible-Equity is ranked worse than 52.49% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs STU:TA2: 10.84
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) 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 Tabungan Negara (Persero) Tbk Return-on-Tangible-Equity Related Terms
PT Bank Tabungan Negara (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 Tabungan Negara (Persero) Tbk Return-on-Tangible-Equity Chart
PT Bank Tabungan Negara (Persero) Tbk Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, PT Bank Tabungan Negara (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 Tabungan Negara (Persero) Tbk Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Tabungan Negara (Persero) Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Bank Tabungan Negara (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 12.58% mean?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a Return-on-Tangible-Equity of 12.58% 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 Tabungan Negara (Persero) Tbk and its competitors. This is near median its historical median of 11.91. Over the past decade, PT Bank Tabungan Negara (Persero) Tbk's Return-on-Tangible-Equity has ranged from 0.88 to 15.88. According to the industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #801 out of 1526 companies in the Banks industry, placing it in the top 52.5%.
Is PT Bank Tabungan Negara (Persero) Tbk's Return-on-Tangible-Equity too high?
PT Bank Tabungan Negara (Persero) Tbk's current Return-on-Tangible-Equity of 12.58% is near median its 10-year median of 11.91. Over the past 10 years, this metric has ranged from a low of 0.88 to a high of 15.88. The Banks industry median Return-on-Tangible-Equity is 11.20. PT Bank Tabungan Negara (Persero) Tbk's value of 12.58% is 12.4% above this industry median. Based on the distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #801 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #801 out of 1526 companies for Return-on-Tangible-Equity. This places PT Bank Tabungan Negara (Persero) Tbk in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. PT Bank Tabungan Negara (Persero) Tbk's value of 12.58% is 12.4% above this benchmark. Historically, PT Bank Tabungan Negara (Persero) Tbk's own Return-on-Tangible-Equity has ranged from 0.88 to 15.88 over the past decade. While the company's 10-year median is 11.91 vs. the industry median of 11.20, PT Bank Tabungan Negara (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 11.20, based on 1,526 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 Tabungan Negara (Persero) Tbk's current Return-on-Tangible-Equity of 12.58% is 12.4% 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 Tabungan Negara (Persero) 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 Tabungan Negara (Persero) Tbk's current Return-on-Tangible-Equity is 12.58%, which is near median its own 10-year median of 11.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Tabungan Negara (Persero) Tbk stock overvalued right now?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a current Return-on-Tangible-Equity of 12.58%. The stock's GF Value™ is €0.06, compared to a current price of €0.04 — trading 26.7% below its estimated fair value. The current Return-on-Tangible-Equity is 12.58%, which is near median its 10-year median of 11.91 and 12.4% above the Banks industry median of 11.20. PT Bank Tabungan Negara (Persero) Tbk's overall GF Score™ is 81/100 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 Tabungan Negara (Persero) Tbk (STU:TA2), the current Return-on-Tangible-Equity is 12.58% 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 Tabungan Negara (Persero) Tbk (STU:TA2) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk stock appears to be undervalued.
The current stock price of €0.04 is trading 26.7% below its estimated GF Value™ of €0.06.
Key valuation signals for STU:TA2:
Return-on-Tangible-Equity: 12.58% (near median its 10-year median of 11.91)
GF Value™: €0.06 vs. price of €0.04 (26.7% below fair value)
Industry Position: 12.4% above the Banks median (#801 of 1526)
No single metric tells the full story. See the STU:TA2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Tabungan Negara (Persero) Tbk Business Description
PT Bank Tabungan Negara (Persero) Tbk conducts business in the banking sector. Its activities include Collecting funds from the public in the form of savings, current accounts, time deposits, certificates of deposit, distributing funds in the form of credit or financing, issuing and/or carrying out securities transactions. Its products and services are divided into two segments, namely conventional and sharia. Conventional banking consist of Consumer products and Commercial products; and Sharia consist of Sharia Products. Its services include consumer loan products, consumer savings products, and wealth management products.
81GF Score
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