PBNNF's ROE % is ranked better than 65.59% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs PBNNF: 12.26
PT Bank Negara Indonesia (Persero) Tbk (OTCPK:PBNNF) 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 Negara Indonesia (Persero) Tbk ROE % Related Terms
PT Bank Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk ROE % Chart
PT Bank Negara Indonesia (Persero) Tbk Annual Data
PT Bank Negara Indonesia (Persero) Tbk ROE % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Negara Indonesia (Persero) 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 Negara Indonesia (Persero) 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 Negara Indonesia (Persero) Tbk (PBNNF) has a ROE % of 13.50% 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 Negara Indonesia (Persero) Tbk and its competitors. This is near median its historical median of 13.82. Over the past decade, PT Bank Negara Indonesia (Persero) Tbk's ROE % has ranged from 2.82 to 14.66. According to the industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #524 out of 1523 companies in the Banks industry, placing it in the top 34.4%.
Is PT Bank Negara Indonesia (Persero) Tbk's ROE % too high?
PT Bank Negara Indonesia (Persero) Tbk's current ROE % of 13.50% is near median its 10-year median of 13.82. Over the past 10 years, this metric has ranged from a low of 2.82 to a high of 14.66. The Banks industry median ROE % is 10.22. PT Bank Negara Indonesia (Persero) Tbk's value of 13.50% is 32.1% above this industry median. Based on the distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #524 out of 1523 companies in the Banks industry, which is above the industry midpoint. 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 ROE % compare to competitors?
According to the Banks industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #524 out of 1523 companies for ROE %. This puts PT Bank Negara Indonesia (Persero) Tbk in the upper half of its industry. The industry median ROE % is 10.22. PT Bank Negara Indonesia (Persero) Tbk's value of 13.50% is 32.1% above this benchmark. Historically, PT Bank Negara Indonesia (Persero) Tbk's own ROE % has ranged from 2.82 to 14.66 over the past decade. While the company's 10-year median is 13.82 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 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 Negara Indonesia (Persero) Tbk's current ROE % of 13.50% is 32.1% 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 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 Negara Indonesia (Persero) Tbk and its competitors. For the Banks industry, the median ROE % is 10.22 — 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 ROE % is 13.50%, which is near median its own 10-year median of 13.82. 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 ROE % of 13.50%. 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 ROE % is 13.50%, which is near median its 10-year median of 13.82 and 32.1% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For PT Bank Negara Indonesia (Persero) Tbk (PBNNF), the current ROE % is 13.50% 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:
ROE %: 13.50% (near median its 10-year median of 13.82)
GF Value™: $0.28 vs. price of $0.20 (27.8% below fair value)
Industry Position: 32.1% above the Banks median (#524 of 1523)
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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