PT Bank Multiarta Sentosa Tbk (ISX:MASB) 3-Year RORE % : -2.48% (As of Mar. 2026)


ISX:MASB PT Bank Multiarta Sentosa Tbk ISX:MASB
64 GF Score
Price Rp3,380.00
GF Value Rp4,057.40
Valuation Modestly Undervalued
! 1 Warning Sign
View Full Analysis

What is PT Bank Multiarta Sentosa Tbk 3-Year RORE %?

PT Bank Multiarta Sentosa Tbk ISX:MASB -0.29% 64 3-Year RORE % is -2.48 as of Mar. 2026. GuruFocus rates ISX:MASB with a GF Score™ of 64/100 and a GF Value™ of Rp4,057.40 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,472 Banks companies, PT Bank Multiarta Sentosa Tbk ranks worse than 76.49% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. PT Bank Multiarta Sentosa Tbk's 3-Year RORE % for the quarter that ended in Mar. 2026 was -2.48%.

The industry rank for PT Bank Multiarta Sentosa Tbk's 3-Year RORE % or its related term are showing as below:

ISX:MASB's 3-Year RORE % is ranked worse than
76.49% of 1472 companies
in the Banks industry
Industry Median: 9.93 vs ISX:MASB: -2.48

PT Bank Multiarta Sentosa Tbk  (ISX:MASB) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


PT Bank Multiarta Sentosa Tbk 3-Year RORE % Related Terms


PT Bank Multiarta Sentosa Tbk 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for PT Bank Multiarta Sentosa Tbk's 3-Year RORE % 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 Multiarta Sentosa Tbk 3-Year RORE % Chart

PT Bank Multiarta Sentosa Tbk Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial 0.00 41.11 -0.68 -14.98 -6.13

PT Bank Multiarta Sentosa Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % 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 -14.72 -12.50 -6.09 -6.13 -2.48

PT Bank Multiarta Sentosa Tbk 3-Year RORE % Competitor Comparison

For the Banks - Regional subindustry, PT Bank Multiarta Sentosa Tbk's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 Multiarta Sentosa Tbk 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Multiarta Sentosa Tbk's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where PT Bank Multiarta Sentosa Tbk's 3-Year RORE % falls into.


ISX:MASB
64GF Score
PT Bank Multiarta Sentosa Tbk ISX:MASB
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Multiarta Sentosa Tbk 3-Year RORE % Calculation

PT Bank Multiarta Sentosa Tbk's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 148.817-159.767 )/( 464.329-23 )
=-10.95/441.329
=-2.48 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -2.48 mean?
PT Bank Multiarta Sentosa Tbk (ISX:MASB) has a 3-Year RORE % of -2.48 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on PT Bank Multiarta Sentosa Tbk and its competitors. According to the industry distribution chart, PT Bank Multiarta Sentosa Tbk ranks #1126 out of 1472 companies in the Banks industry, placing it in the top 76.5%.
Is PT Bank Multiarta Sentosa Tbk's 3-Year RORE % too high?
PT Bank Multiarta Sentosa Tbk's current 3-Year RORE % is -2.48. Based on the distribution chart, PT Bank Multiarta Sentosa Tbk ranks #1126 out of 1472 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Multiarta Sentosa Tbk has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Multiarta Sentosa Tbk's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, PT Bank Multiarta Sentosa Tbk ranks #1126 out of 1472 companies for 3-Year RORE %. This places PT Bank Multiarta Sentosa Tbk in the lower half of its industry. The industry median 3-Year RORE % is 9.93. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.93, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on PT Bank Multiarta Sentosa Tbk and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Multiarta Sentosa Tbk's current 3-Year RORE % is -2.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Multiarta Sentosa Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Multiarta Sentosa Tbk (ISX:MASB) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp4,057.40, compared to a current price of Rp3,380.00 — trading 16.7% below its estimated fair value. The current 3-Year RORE % is -2.48. PT Bank Multiarta Sentosa Tbk's overall GF Score™ is 64/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For PT Bank Multiarta Sentosa Tbk (ISX:MASB), the current 3-Year RORE % is -2.48 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 Multiarta Sentosa Tbk (ISX:MASB) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Multiarta Sentosa Tbk stock appears to be undervalued. The current stock price of Rp3,380.00 is trading 16.7% below its estimated GF Value™ of Rp4,057.40. GuruFocus considers PT Bank Multiarta Sentosa Tbk to be Modestly Undervalued.

Key valuation signals for ISX:MASB:

  • 3-Year RORE %: -2.48
  • GF Value™: Rp4,057.40 vs. price of Rp3,380.00 (16.7% below fair value)
  • GF Score™: 64/100 with 1 warning sign

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


PT Bank Multiarta Sentosa Tbk Business Description

Address Jalan Setiabudi Selatan Kav. 7-8, Grha Bank MAS, Kuningan, Jakarta Selatan, IDN, 12920
PT Bank Multiarta Sentosa Tbk provides banking services. The company offers loans, savings, e-banking, and other financial services. The products and services are offered to small and medium businesses and the commercial sector, and to meet the personal banking needs of business owners, families, and employees. The Bank's operations are organized into four segments: loans, Treasury, Trade Finance, and others. The company earns the majority of its revenue from the Treasury segment.
64GF Score

Get the complete analysis for ISX:MASB

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp3,380.00
Price
Rp4,057.40
GF Value