PBNNF's ROA % is ranked better than 79.97% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs PBNNF: 1.59
PT Bank Negara Indonesia (Persero) Tbk (OTCPK:PBNNF) 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 Negara Indonesia (Persero) Tbk ROA % Related Terms
PT Bank Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk ROA % Chart
PT Bank Negara Indonesia (Persero) Tbk Annual Data
PT Bank Negara Indonesia (Persero) Tbk ROA % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk ROA % vs Banks Industry
* 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 Negara Indonesia (Persero) Tbk (PBNNF) has a ROA % of 1.61% 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 Negara Indonesia (Persero) Tbk and its competitors. This is 15% below median its historical median of 1.90. Over the past decade, PT Bank Negara Indonesia (Persero) Tbk's ROA % has ranged from 0.38 to 2.08. According to the industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #306 out of 1528 companies in the Banks industry, placing it in the top 20%.
Is PT Bank Negara Indonesia (Persero) Tbk's ROA % too high?
PT Bank Negara Indonesia (Persero) Tbk's current ROA % of 1.61% is 15% below median its 10-year median of 1.90. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 2.08. The Banks industry median ROA % is 0.98. PT Bank Negara Indonesia (Persero) Tbk's value of 1.61% is 64.3% above this industry median. Based on the distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #306 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Negara Indonesia (Persero) Tbk has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Negara Indonesia (Persero) Tbk's ROA % compare to competitors?
According to the Banks industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #306 out of 1528 companies for ROA %. This places PT Bank Negara Indonesia (Persero) Tbk in the top 20% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. PT Bank Negara Indonesia (Persero) Tbk's value of 1.61% is 64.3% above this benchmark. Historically, PT Bank Negara Indonesia (Persero) Tbk's own ROA % has ranged from 0.38 to 2.08 over the past decade. While the company's 10-year median is 1.90 vs. the industry median of 0.98, PT Bank Negara Indonesia (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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 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 Negara Indonesia (Persero) Tbk's current ROA % of 1.61% is 64.3% 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 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 Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk's current ROA % is 1.61%, which is 15% below median its own 10-year median of 1.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Negara Indonesia (Persero) Tbk stock overvalued right now?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a current ROA % of 1.61%. The stock's GF Value™ is $0.28, compared to a current price of $0.20 — trading 27.8% below its estimated fair value. The current ROA % is 1.61%, which is 15% below median its 10-year median of 1.90 and 64.3% above the Banks industry median of 0.98. PT Bank Negara Indonesia (Persero) Tbk's overall GF Score™ is 80/100 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 Negara Indonesia (Persero) Tbk (PBNNF), the current ROA % is 1.61% 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 Negara Indonesia (Persero) Tbk (PBNNF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk stock appears to be undervalued.
The current stock price of $0.20 is trading 27.8% below its estimated GF Value™ of $0.28.
Key valuation signals for PBNNF:
ROA %: 1.61% (15% below median its 10-year median of 1.90)
GF Value™: $0.28 vs. price of $0.20 (27.8% below fair value)
Industry Position: 64.3% above the Banks median (#306 of 1528)
No single metric tells the full story. See the PBNNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Negara Indonesia (Persero) Tbk Business Description
PT Bank Negara Indonesia (Persero) Tbk is an Indonesian state-owned bank, with the government holding just over half of the bank's outstanding shares. Its main banking activities include deposit-taking, providing credit, issuing debt instruments, money transfer services, secondary market services, wholesale banking, custody banking, capital investment, and other services. Its segments include Wholesale & International Banking, Institutional Banking, Enterprises & Commercial Banking, Retail Banking and Treasury. The company generates the majority of its revenue from the Wholesale & International Banking segment which includes loans, customer deposits, and other transactions belonging to corporate customers, both BUMN and private business entities.
80GF Score
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