ISX:SDRA's ROE % is ranked worse than 97.84% of 1528
companies
in the Banks industry
Industry Median: 10.225
vs ISX:SDRA: -8.54
PT Bank Wooriudara Indonesia 1906 Tbk (ISX:SDRA) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
PT Bank Wooriudara Indonesia 1906 Tbk ROE % Related Terms
PT Bank Wooriudara Indonesia 1906 Tbk ROE % 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 Wooriudara Indonesia 1906 Tbk ROE % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Wooriudara Indonesia 1906 Tbk's ROE %, along with its competitors' market caps and ROE % 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 Wooriudara Indonesia 1906 Tbk ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
PT Bank Wooriudara Indonesia 1906 Tbk (ISX:SDRA) has a ROE % of 3.63% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT Bank Wooriudara Indonesia 1906 Tbk and its competitors. This is 51% below median its historical median of 7.48. According to the industry distribution chart, PT Bank Wooriudara Indonesia 1906 Tbk ranks #1495 out of 1528 companies in the Banks industry, placing it in the top 97.8%.
Is PT Bank Wooriudara Indonesia 1906 Tbk's ROE % too high?
PT Bank Wooriudara Indonesia 1906 Tbk's current ROE % of 3.63% is 51% below median its 10-year median of 7.48. The Banks industry median ROE % is 10.23. PT Bank Wooriudara Indonesia 1906 Tbk's value of 3.63% is 64.5% below this industry median. Based on the distribution chart, PT Bank Wooriudara Indonesia 1906 Tbk ranks #1495 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Wooriudara Indonesia 1906 Tbk has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Wooriudara Indonesia 1906 Tbk's ROE % compare to competitors?
According to the Banks industry distribution chart, PT Bank Wooriudara Indonesia 1906 Tbk ranks #1495 out of 1528 companies for ROE %. This places PT Bank Wooriudara Indonesia 1906 Tbk in the lower half of its industry. The industry median ROE % is 10.23. PT Bank Wooriudara Indonesia 1906 Tbk's value of 3.63% is 64.5% below this benchmark. While the company's 10-year median is 7.48 vs. the industry median of 10.23, PT Bank Wooriudara Indonesia 1906 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Wooriudara Indonesia 1906 Tbk's current ROE % of 3.63% is 64.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT Bank Wooriudara Indonesia 1906 Tbk and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Wooriudara Indonesia 1906 Tbk's current ROE % is 3.63%, which is 51% below median its own 10-year median of 7.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Wooriudara Indonesia 1906 Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Wooriudara Indonesia 1906 Tbk (ISX:SDRA) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp263.23, compared to a current price of Rp206.00 — trading 21.7% below its estimated fair value. The current ROE % is 3.63%, which is 51% below median its 10-year median of 7.48 and 64.5% below the Banks industry median of 10.23. PT Bank Wooriudara Indonesia 1906 Tbk's overall GF Score™ is 47/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For PT Bank Wooriudara Indonesia 1906 Tbk (ISX:SDRA), the current ROE % is 3.63% 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 Wooriudara Indonesia 1906 Tbk (ISX:SDRA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Wooriudara Indonesia 1906 Tbk stock appears to be undervalued.
The current stock price of Rp206.00 is trading 21.7% below its estimated GF Value™ of Rp263.23.
GuruFocus considers PT Bank Wooriudara Indonesia 1906 Tbk to be Modestly Undervalued.
Key valuation signals for ISX:SDRA:
ROE %: 3.63% (51% below median its 10-year median of 7.48)
GF Value™: Rp263.23 vs. price of Rp206.00 (21.7% below fair value)
Industry Position: 64.5% below the Banks median (#1495 of 1528)
No single metric tells the full story. See the ISX:SDRA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Wooriudara Indonesia 1906 Tbk Business Description
PT Bank Woori Saudara Indonesia 1906 Tbk is a financial institution engaged in providing commercial banking products and services. The bank has six reportable segments which are; Pensioner includes loans disbursed to pensioner's debtor; Employee which includes loans disbursed to government and private employees; Commercial includes loans disbursed to commercial debtors such as cooperation, multi finance and others; Treasury undertakes the treasury activities which include money market and investment in placements and securities; Funding undertakes the bank's funding activities which include third party fund, bonds and others; Other segment includes activities such as back-office processes, etc. The company generates the majority of its revenue from commercial segment.
47GF Score
Get the complete analysis for ISX:SDRA
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:SDRA has been successfully added to your 
