PT Bank Jago Tbk (ISX:ARTO) Scaled Net Operating Assets: 0.13 (As of Mar. 2026)


ISX:ARTO PT Bank Jago Tbk ISX:ARTO
68 GF Score
Price Rp905.00
GF Value Rp4,278.90
Valuation Significantly Undervalued
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What is PT Bank Jago Tbk Scaled Net Operating Assets?

PT Bank Jago Tbk ISX:ARTO 68 Scaled Net Operating Assets is 0.13 as of Mar. 2026. GuruFocus rates ISX:ARTO with a GF Score™ of 68/100 and a GF Value™ of Rp4,278.90 (Significantly Undervalued).

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PT Bank Jago Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp33,740,970 Mil. PT Bank Jago Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp28,874,900 Mil. PT Bank Jago Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp36,507,347 Mil. Therefore, PT Bank Jago Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.13.

ISX:ARTO
68GF Score
PT Bank Jago Tbk ISX:ARTO
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Jago Tbk Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PT Bank Jago Tbk's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(31057420-27630444)/28542712
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=36507347 - 5449927
=31057420

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=27681417 - 50973 - 0
=27630444

PT Bank Jago Tbk's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(33740970-28874900)/36507347
=0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=39534279 - 5793309
=33740970

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=30616315 - 1741415 - 0
=28874900

* 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 Scaled Net Operating Assets of 0.13 mean?
PT Bank Jago Tbk (ISX:ARTO) has a Scaled Net Operating Assets of 0.13 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PT Bank Jago Tbk and its competitors.
Is PT Bank Jago Tbk's Scaled Net Operating Assets too high?
PT Bank Jago Tbk's current Scaled Net Operating Assets is 0.13. Overall, PT Bank Jago Tbk has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Jago Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Jago Tbk's Scaled Net Operating Assets of 0.13 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PT Bank Jago Tbk and its competitors. PT Bank Jago Tbk's current Scaled Net Operating Assets is 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Jago Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Jago Tbk (ISX:ARTO) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp4,278.90, compared to a current price of Rp905.00 — trading 78.8% below its estimated fair value. The current Scaled Net Operating Assets is 0.13. PT Bank Jago Tbk's overall GF Score™ is 68/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For PT Bank Jago Tbk (ISX:ARTO), the current Scaled Net Operating Assets is 0.13 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 Jago Tbk (ISX:ARTO) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Jago Tbk stock appears to be undervalued. The current stock price of Rp905.00 is trading 78.8% below its estimated GF Value™ of Rp4,278.90. GuruFocus considers PT Bank Jago Tbk to be Significantly Undervalued.

Key valuation signals for ISX:ARTO:

  • Scaled Net Operating Assets: 0.13
  • GF Value™: Rp4,278.90 vs. price of Rp905.00 (78.8% below fair value)
  • GF Score™: 68/100

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

PT Bank Jago Tbk Business Description

Address Jalan Dr. Ide Anak Agung Gde Agung Kav 5.5 - 5.6, Menara SMBC, 46th Floor, Jakarta Selatan, Jakarta, IDN, 12950
PT Bank Jago Tbk is an Indonesian-based banking company. It offers various banking products and services that are categorized into funding and lending activities, along with other supporting banking services. Its funding activities are Saving & Spending Pockets, Locked Pockets, Shared Pockets, Giveaway Pockets, and others. Its Lending activities are a technology-based bank that serves the small and medium enterprises segment, the retail segment, and the mass market segment. Its operating segments are Outside Jakarta and DKI Jakarta.
68GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp905.00
Price
Rp4,278.90
GF Value