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.
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.
Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. PT Bank Tabungan Negara (Persero) Tbk's selling, general, & admin. expense for the
three
months ended in Jun. 2026 was €47 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Jun. 2026 was €207 Mil.
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) 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 Tabungan Negara (Persero) Tbk Selling, General, & Admin. Expense Related Terms
PT Bank Tabungan Negara (Persero) Tbk Selling, General, & Admin. Expense 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 Tabungan Negara (Persero) Tbk Selling, General, & Admin. Expense Chart
PT Bank Tabungan Negara (Persero) Tbk Selling, General, & Admin. Expense Competitor Comparison
For the Banks - Regional subindustry, PT Bank Tabungan Negara (Persero) 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 Tabungan Negara (Persero) Tbk Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Tabungan Negara (Persero) Tbk's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where PT Bank Tabungan Negara (Persero) Tbk's Selling, General, & Admin. Expense falls into.
PT Bank Tabungan Negara (Persero) 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 €207 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 €207 Mil mean?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a Selling, General, & Admin. Expense of €207 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 Tabungan Negara (Persero) Tbk and its competitors.
Is PT Bank Tabungan Negara (Persero) Tbk's Selling, General, & Admin. Expense too high?
PT Bank Tabungan Negara (Persero) Tbk's current Selling, General, & Admin. Expense is €207 Mil. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's Selling, General, & Admin. Expense compare to competitors?
PT Bank Tabungan Negara (Persero) Tbk's Selling, General, & Admin. Expense of €207 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 Tabungan Negara (Persero) Tbk and its competitors. PT Bank Tabungan Negara (Persero) Tbk's current Selling, General, & Admin. Expense is €207 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 Tabungan Negara (Persero) Tbk stock overvalued right now?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a current Selling, General, & Admin. Expense of €207 Mil. The stock's GF Value™ is €0.06, compared to a current price of €0.05 — trading 23.3% below its estimated fair value. The current Selling, General, & Admin. Expense is €207 Mil. PT Bank Tabungan Negara (Persero) Tbk's overall GF Score™ is 81/100 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 Tabungan Negara (Persero) Tbk (STU:TA2), the current Selling, General, & Admin. Expense is €207 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 Tabungan Negara (Persero) Tbk (STU:TA2) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk stock appears to be undervalued.
The current stock price of €0.05 is trading 23.3% below its estimated GF Value™ of €0.06.
Key valuation signals for STU:TA2:
Selling, General, & Admin. Expense: €207 Mil
GF Value™: €0.06 vs. price of €0.05 (23.3% below fair value)
No single metric tells the full story. See the STU:TA2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Tabungan Negara (Persero) Tbk conducts business in the banking sector. Its activities include Collecting funds from the public in the form of savings, current accounts, time deposits, certificates of deposit, distributing funds in the form of credit or financing, issuing and/or carrying out securities transactions. Its products and services are divided into two segments, namely conventional and sharia. Conventional banking consist of Consumer products and Commercial products; and Sharia consist of Sharia Products. Its services include consumer loan products, consumer savings products, and wealth management products.
81GF Score
Get the complete analysis for STU:TA2
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:TA2 has been successfully added to your 
