PT Bank Raya Indonesia Tbk (ISX:AGRO) ROE % Adjusted to Book Value: 0.63% (As of Mar. 2026)


ISX:AGRO PT Bank Raya Indonesia Tbk ISX:AGRO
56 GF Score
Price Rp134.00
GF Value Rp210.11
Valuation Significantly Undervalued
! 1 Warning Sign
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What is PT Bank Raya Indonesia Tbk ROE % Adjusted to Book Value?

PT Bank Raya Indonesia Tbk ISX:AGRO +0.75% 56 ROE % Adjusted to Book Value is 0.63% as of Mar. 2026. GuruFocus rates ISX:AGRO with a GF Score™ of 56/100 and a GF Value™ of Rp210.11 (Significantly Undervalued). The stock has 1 warning sign investors should review.

PT Bank Raya Indonesia Tbk's ROE % for the quarter that ended in Mar. 2026 was 0.91%. PT Bank Raya Indonesia Tbk's PB Ratio for the quarter that ended in Mar. 2026 was 1.44. PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 0.63%.


PT Bank Raya Indonesia Tbk ROE % Adjusted to Book Value Related Terms


PT Bank Raya Indonesia Tbk ROE % Adjusted to Book Value Historical Data

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The historical data trend for PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value can be seen below:

* 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 Raya Indonesia Tbk ROE % Adjusted to Book Value Chart

PT Bank Raya Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -5.39 0.13 0.32 0.89 -8.21

PT Bank Raya Indonesia Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.52 1.30 0.61 -35.14 0.63

PT Bank Raya Indonesia Tbk ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 Raya Indonesia Tbk ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value falls into.


ISX:AGRO
56GF Score
PT Bank Raya Indonesia Tbk ISX:AGRO
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Raya Indonesia Tbk ROE % Adjusted to Book Value Calculation

PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-15.43% / 1.88
=-8.21%

PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=0.91% / 1.44
=0.63%

* 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.

What does a ROE % Adjusted to Book Value of 0.63% mean?
PT Bank Raya Indonesia Tbk (ISX:AGRO) has a ROE % Adjusted to Book Value of 0.63% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PT Bank Raya Indonesia Tbk and its competitors.
Is PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value too high?
PT Bank Raya Indonesia Tbk's current ROE % Adjusted to Book Value is 0.63%. Overall, PT Bank Raya Indonesia Tbk has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value compare to competitors?
PT Bank Raya Indonesia Tbk's ROE % Adjusted to Book Value of 0.63% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PT Bank Raya Indonesia Tbk and its competitors. PT Bank Raya Indonesia Tbk's current ROE % Adjusted to Book Value is 0.63%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Raya Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk (ISX:AGRO) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp210.11, compared to a current price of Rp134.00 — trading 36.2% below its estimated fair value. The current ROE % Adjusted to Book Value is 0.63%. PT Bank Raya Indonesia Tbk's overall GF Score™ is 56/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For PT Bank Raya Indonesia Tbk (ISX:AGRO), the current ROE % Adjusted to Book Value is 0.63% 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 Raya Indonesia Tbk (ISX:AGRO) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk stock appears to be undervalued. The current stock price of Rp134.00 is trading 36.2% below its estimated GF Value™ of Rp210.11. GuruFocus considers PT Bank Raya Indonesia Tbk to be Significantly Undervalued.

Key valuation signals for ISX:AGRO:

  • ROE % Adjusted to Book Value: 0.63%
  • GF Value™: Rp210.11 vs. price of Rp134.00 (36.2% below fair value)
  • GF Score™: 56/100 with 1 warning sign

No single metric tells the full story. See the ISX:AGRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Bank Raya Indonesia Tbk Business Description

Address Jalan Gatot Subroto No. 177A, Kel No. RT 009/01, Menteng Dalam, Tebet, Jakarta, IDN, 12870
PT Bank Raya Indonesia Tbk is an Indonesian banking corporation. The company provides services of savings deposits, demand deposits, time deposits, cash management, lending services, and other credit facilities. Its operating segments are Consumer, Retail, Middle, and Others. The bank generates its revenues in the form of interest income.
56GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp134.00
Price
Rp210.11
GF Value