ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PT Bank MNC Internasional Tbk's annualizedNet Income for the quarter that ended in Mar. 2026 was Rp73,316 Mil.
PT Bank MNC Internasional Tbk's average Total Assets over the quarter that ended in Mar. 2026 was Rp20,828,432 Mil. Therefore, PT Bank MNC Internasional Tbk's annualized ROA % for the quarter that ended in Mar. 2026 was 0.35%.
The historical rank and industry rank for PT Bank MNC Internasional Tbk's ROA % or its related term are showing as below:
ISX:BABP'
s ROA % Range Over the Past 10 Years
Min: -5.77 Med: 0.27 Max: 0.53
Current: 0.39
During the past 13 years, PT Bank MNC Internasional Tbk's highest ROA % was 0.53%. The lowest was -5.77%. And the median was 0.27%.
ISX:BABP's ROA % is ranked worse than 82.73% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs ISX:BABP: 0.39
PT Bank MNC Internasional Tbk (ISX:BABP) 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.
PT Bank MNC Internasional Tbk ROA % Related Terms
PT Bank MNC Internasional Tbk ROA % 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 MNC Internasional Tbk ROA % Competitor Comparison
For the Banks - Regional subindustry, PT Bank MNC Internasional 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 MNC Internasional Tbk ROA % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank MNC Internasional Tbk's ROA % distribution charts can be found below:
* The bar in red indicates where PT Bank MNC Internasional 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 MNC Internasional Tbk (ISX:BABP) has a ROA % of 0.35% 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 MNC Internasional Tbk and its competitors. This is 30% above median its historical median of 0.27. According to the industry distribution chart, PT Bank MNC Internasional Tbk ranks #1265 out of 1529 companies in the Banks industry, placing it in the top 82.7%.
Is PT Bank MNC Internasional Tbk's ROA % too high?
PT Bank MNC Internasional Tbk's current ROA % of 0.35% is 30% above median its 10-year median of 0.27. The Banks industry median ROA % is 0.98. PT Bank MNC Internasional Tbk's value of 0.35% is 64.3% below this industry median. Based on the distribution chart, PT Bank MNC Internasional Tbk ranks #1265 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank MNC Internasional Tbk has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank MNC Internasional Tbk's ROA % compare to competitors?
According to the Banks industry distribution chart, PT Bank MNC Internasional Tbk ranks #1265 out of 1529 companies for ROA %. This places PT Bank MNC Internasional Tbk in the lower half of its industry. The industry median ROA % is 0.98. PT Bank MNC Internasional Tbk's value of 0.35% is 64.3% below this benchmark. While the company's 10-year median is 0.27 vs. the industry median of 0.98, PT Bank MNC Internasional Tbk has consistently been below 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 MNC Internasional Tbk's current ROA % of 0.35% is 64.3% below 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 MNC Internasional 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 MNC Internasional Tbk's current ROA % is 0.35%, which is 30% above median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank MNC Internasional Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank MNC Internasional Tbk (ISX:BABP) is currently considered Fairly Valued. The stock's GF Value™ is Rp49.89, compared to a current price of Rp50.00 — trading 0.2% above its estimated fair value. The current ROA % is 0.35%, which is 30% above median its 10-year median of 0.27 and 64.3% below the Banks industry median of 0.98. PT Bank MNC Internasional Tbk's overall GF Score™ is 59/100 with 2 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 MNC Internasional Tbk (ISX:BABP), the current ROA % is 0.35% 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 MNC Internasional Tbk (ISX:BABP) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank MNC Internasional Tbk stock appears to be overvalued.
The current stock price of Rp50.00 is trading 0.2% above its estimated GF Value™ of Rp49.89.
GuruFocus considers PT Bank MNC Internasional Tbk to be Fairly Valued.
Key valuation signals for ISX:BABP:
ROA %: 0.35% (30% above median its 10-year median of 0.27)
GF Value™: Rp49.89 vs. price of Rp50.00 (0.2% above fair value)
Industry Position: 64.3% below the Banks median (#1265 of 1529)
No single metric tells the full story. See the ISX:BABP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank MNC Internasional Tbk Business Description
PT Bank MNC Internasional Tbk provides banking services in Indonesia. The company's products consist of deposit products which include savings, current accounts, and deposits; loan products which include working capital loans, property ownership loans, and credit cards; and other services including treasury, trade finance, mobile banking, and bancassurance, among others. The segments of the company include: Business which serves corporate customers and debtors; Consumer which serves individual customers and debtors; Treasury which provides money market, trading and treasury services; and Others. The majority of the revenue is derived from the Business segment. All of the company's operations are conducted in Indonesia.
59GF Score
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