PT Bank Jago Tbk

IDX:ARTO Stock Report

Market Cap: Rp30.9t

Bank Jago Past Earnings Performance

Past criteria checks 5/6

Bank Jago has been growing earnings at an average annual rate of 52.4%, while the Banks industry saw earnings growing at 21.5% annually. Revenues have been growing at an average rate of 54.3% per year. Bank Jago's return on equity is 1.3%, and it has net margins of 7.3%.

Key information

52.4%

Earnings growth rate

72.8%

EPS growth rate

Banks Industry Growth13.2%
Revenue growth rate54.3%
Return on equity1.3%
Net Margin7.3%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank Jago makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

IDX:ARTO Revenue, expenses and earnings (IDR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,483,319107,9041,333,8510
30 Jun 241,423,89281,8121,304,6010
31 Mar 241,395,24176,5651,287,0690
31 Dec 231,360,78972,3621,264,0710
30 Sep 231,260,69025,6341,227,2090
30 Jun 231,209,65427,5111,178,5340
31 Mar 231,091,88614,4821,077,2200
31 Dec 221,038,38215,9131,016,2840
30 Sep 221,024,284159,202921,8390
30 Jun 22905,974161,718802,4380
31 Mar 22778,733143,090695,9370
31 Dec 21553,77386,024533,8280
30 Sep 21315,896-116,459420,6780
30 Jun 21162,361-185,430334,0830
31 Mar 2179,735-202,536273,0290
31 Dec 2050,068-189,567231,5670
30 Sep 20-19,671-208,594149,0020
30 Jun 20-29,545-158,71896,1420
31 Mar 20-42,910-141,10165,5870
31 Dec 19-48,665-121,96640,1410
30 Sep 1910,163-32,19239,2890
30 Jun 1917,517-30,70541,5340
31 Mar 1922,576-25,56440,0720
31 Dec 1825,945-23,28840,9880
30 Sep 1831,281-10,07041,4580
30 Jun 1830,115-10,47341,6450
31 Mar 1827,149-12,62941,7180
31 Dec 1730,922-8,73741,6420
30 Sep 174,785-4,76241,3990
30 Jun 1713,947-25,42841,2750
31 Mar 1717,019-22,67341,4530
31 Dec 166,025-33,33141,0480
30 Sep 1634,071-38,01340,2520
30 Jun 1627,864-13,77337,7260
31 Mar 1629,322-10,89735,3810
31 Dec 1538,605-31033,8740
30 Sep 1546,8056,85440,0850
30 Jun 1539,18689138,0460
31 Mar 1536,68571434,7380
31 Dec 1435,1531,13231,9330
30 Sep 1427,667-3,54229,1450
30 Jun 1432,6572,71727,8830
31 Mar 1431,7272,45718,9720

Quality Earnings: ARTO has high quality earnings.

Growing Profit Margin: ARTO's current net profit margins (7.3%) are higher than last year (2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: ARTO has become profitable over the past 5 years, growing earnings by 52.4% per year.

Accelerating Growth: ARTO's earnings growth over the past year (320.9%) exceeds its 5-year average (52.4% per year).

Earnings vs Industry: ARTO earnings growth over the past year (320.9%) exceeded the Banks industry 4.4%.

Return on Equity

High ROE: ARTO's Return on Equity (1.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/31 07:43
End of Day Share Price 2025/01/31 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

PT Bank Jago Tbk is covered by 23 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Yulinda HartantoCGS International
Handy NoverdaniusCGS International
Ferry WongCitigroup Inc