PT Bank JTrust Indonesia Tbk (ISX:BCIC) Selling, General, & Admin. Expense: Rp247,054 Mil (TTM As of Jun. 2026)

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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ISX:BCIC PT Bank JTrust Indonesia Tbk ISX:BCIC
45 GF Score
Price Rp126.00
GF Value Rp116.75
Valuation Fairly Valued
! 2 Warning Signs
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What is PT Bank JTrust Indonesia Tbk Selling, General, & Admin. Expense?

PT Bank JTrust Indonesia Tbk ISX:BCIC +0.80% 45 Selling, General, & Admin. Expense is Rp247,054 Mil as of Jun. 2026. GuruFocus rates ISX:BCIC with a GF Score™ of 45/100 and a GF Value™ of Rp116.75 (Fairly Valued). The stock has 2 warning signs investors should review.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. PT Bank JTrust Indonesia Tbk's selling, general, & admin. expense for the three months ended in Jun. 2026 was Rp60,864 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Jun. 2026 was Rp247,054 Mil.


PT Bank JTrust Indonesia Tbk  (ISX:BCIC) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


PT Bank JTrust Indonesia Tbk Selling, General, & Admin. Expense Related Terms


PT Bank JTrust Indonesia Tbk Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for PT Bank JTrust Indonesia Tbk's Selling, General, & Admin. Expense 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 JTrust Indonesia Tbk Selling, General, & Admin. Expense Chart

PT Bank JTrust Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 185,155.00 177,160.00 224,074.00 219,606.00 242,428.00

PT Bank JTrust Indonesia Tbk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Selling, General, & Admin. Expense 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 64,227.00 60,375.00 69,144.00 56,671.00 60,864.00

PT Bank JTrust Indonesia Tbk Selling, General, & Admin. Expense Competitor Comparison

For the Banks - Regional subindustry, PT Bank JTrust Indonesia Tbk's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 JTrust Indonesia Tbk Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank JTrust Indonesia Tbk's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where PT Bank JTrust Indonesia Tbk's Selling, General, & Admin. Expense falls into.


ISX:BCIC
45GF Score
PT Bank JTrust Indonesia Tbk ISX:BCIC
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank JTrust Indonesia Tbk Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp247,054 Mil.

* 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 Selling, General, & Admin. Expense of Rp247,054 Mil mean?
PT Bank JTrust Indonesia Tbk (ISX:BCIC) has a Selling, General, & Admin. Expense of Rp247,054 Mil as of Jun. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on PT Bank JTrust Indonesia Tbk and its competitors.
Is PT Bank JTrust Indonesia Tbk's Selling, General, & Admin. Expense too high?
PT Bank JTrust Indonesia Tbk's current Selling, General, & Admin. Expense is Rp247,054 Mil. Overall, PT Bank JTrust Indonesia Tbk has a GF Score™ of 45/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank JTrust Indonesia Tbk's Selling, General, & Admin. Expense compare to competitors?
PT Bank JTrust Indonesia Tbk's Selling, General, & Admin. Expense of Rp247,054 Mil 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 Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on PT Bank JTrust Indonesia Tbk and its competitors. PT Bank JTrust Indonesia Tbk's current Selling, General, & Admin. Expense is Rp247,054 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank JTrust Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk (ISX:BCIC) is currently considered Fairly Valued. The stock's GF Value™ is Rp116.75, compared to a current price of Rp126.00 — trading 7.9% above its estimated fair value. The current Selling, General, & Admin. Expense is Rp247,054 Mil. PT Bank JTrust Indonesia Tbk's overall GF Score™ is 45/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For PT Bank JTrust Indonesia Tbk (ISX:BCIC), the current Selling, General, & Admin. Expense is Rp247,054 Mil as of Jun. 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 JTrust Indonesia Tbk (ISX:BCIC) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk stock appears to be overvalued. The current stock price of Rp126.00 is trading 7.9% above its estimated GF Value™ of Rp116.75. GuruFocus considers PT Bank JTrust Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:BCIC:

  • Selling, General, & Admin. Expense: Rp247,054 Mil
  • GF Value™: Rp116.75 vs. price of Rp126.00 (7.9% above fair value)
  • GF Score™: 45/100 with 2 warning signs

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


PT Bank JTrust Indonesia Tbk Business Description

Address Jalan Jenderal Sudirman No. 86, Sahid Sudirman Center, 33rd Floor, Jakarta, IDN, 10220
PT Bank JTrust Indonesia Tbk is an Indonesia-based financial institution. It is engaged in providing financial services. The company's business activities include Corporate Banking, Commercial & SME services, Business Linkage & Consumer operations, a dedicated Japan/Korean Desk, and Funding activities. The company's business divisions are Retail funding, Loan and export/import and Treasury. Its products and services include public deposit taking in the form of demand deposits, and time deposits, providing credit/loans, either for the long term, medium-term, or short-term loan, fund transfer, and foreign exchange activities in accordance with regulations from Bank Indonesia. The company derives maximum revenue from the Loan and export/import segment.
45GF Score

Get the complete analysis for ISX:BCIC

Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp126.00
Price
Rp116.75
GF Value