ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PT Bank Amar Indonesia Tbk's annualizedNet Income for the quarter that ended in Mar. 2026 was Rp284,464 Mil.
PT Bank Amar Indonesia Tbk's average Total Assets over the quarter that ended in Mar. 2026 was Rp6,848,955 Mil. Therefore, PT Bank Amar Indonesia Tbk's annualized ROA % for the quarter that ended in Mar. 2026 was 4.15%.
The historical rank and industry rank for PT Bank Amar Indonesia Tbk's ROA % or its related term are showing as below:
ISX:AMAR'
s ROA % Range Over the Past 10 Years
Min: -5.05 Med: 0.88 Max: 4.65
Current: 4.24
During the past 10 years, PT Bank Amar Indonesia Tbk's highest ROA % was 4.65%. The lowest was -5.05%. And the median was 0.88%.
ISX:AMAR's ROA % is ranked better than 97.25% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs ISX:AMAR: 4.24
PT Bank Amar Indonesia Tbk (ISX:AMAR) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 Amar Indonesia Tbk ROA % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Amar Indonesia Tbk's ROA %, along with its competitors' market caps and ROA % 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 Amar Indonesia Tbk ROA % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Amar Indonesia Tbk's ROA % distribution charts can be found below:
* The bar in red indicates where PT Bank Amar Indonesia Tbk's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
PT Bank Amar Indonesia Tbk (ISX:AMAR) has a ROA % of 4.15% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Bank Amar Indonesia Tbk and its competitors. This is 372% above median its historical median of 0.88. According to the industry distribution chart, PT Bank Amar Indonesia Tbk ranks #42 out of 1529 companies in the Banks industry, placing it in the top 2.7%.
Is PT Bank Amar Indonesia Tbk's ROA % too high?
PT Bank Amar Indonesia Tbk's current ROA % of 4.15% is 372% above median its 10-year median of 0.88. The Banks industry median ROA % is 0.98. PT Bank Amar Indonesia Tbk's value of 4.15% is 323.5% above this industry median. Based on the distribution chart, PT Bank Amar Indonesia Tbk ranks #42 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Amar Indonesia Tbk has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Amar Indonesia Tbk's ROA % compare to competitors?
According to the Banks industry distribution chart, PT Bank Amar Indonesia Tbk ranks #42 out of 1529 companies for ROA %. This places PT Bank Amar Indonesia Tbk in the top 3% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. PT Bank Amar Indonesia Tbk's value of 4.15% is 323.5% above this benchmark. While the company's 10-year median is 0.88 vs. the industry median of 0.98, PT Bank Amar Indonesia 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Amar Indonesia Tbk's current ROA % of 4.15% is 323.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Bank Amar Indonesia Tbk and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Amar Indonesia Tbk's current ROA % is 4.15%, which is 372% above median its own 10-year median of 0.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Amar Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Amar Indonesia Tbk (ISX:AMAR) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp309.19, compared to a current price of Rp200.00 — trading 35.3% below its estimated fair value. The current ROA % is 4.15%, which is 372% above median its 10-year median of 0.88 and 323.5% above the Banks industry median of 0.98. PT Bank Amar Indonesia Tbk's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For PT Bank Amar Indonesia Tbk (ISX:AMAR), the current ROA % is 4.15% 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 Amar Indonesia Tbk (ISX:AMAR) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Amar Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp200.00 is trading 35.3% below its estimated GF Value™ of Rp309.19.
GuruFocus considers PT Bank Amar Indonesia Tbk to be Significantly Undervalued.
Key valuation signals for ISX:AMAR:
ROA %: 4.15% (372% above median its 10-year median of 0.88)
GF Value™: Rp309.19 vs. price of Rp200.00 (35.3% below fair value)
Industry Position: 323.5% above the Banks median (#42 of 1529)
No single metric tells the full story. See the ISX:AMAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Amar Indonesia Tbk is engaged in providing banking activities. The company's operating segments include Online, Brick and Mortar, and Head Office. It generates maximum revenue from the Online segment. The Online segment comprises activities related to digital products and services. Its brick-and-mortar segment comprises activities related to conventional banking products and services. The Head Office segment comprises treasury and other activities. Some of its products include Aster Savings, Amar Dana Savings, Amar Cemerlang Savings, Amar Term Savings, Employee Savings, Term Deposit, On-Call Deposit, and Amar Current Account.
77GF Score
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