PT Bank Jago Tbk

IDX:ARTO Stock Report

Market Cap: Rp29.1t

Bank Jago Past Earnings Performance

Past criteria checks 5/6

Bank Jago has been growing earnings at an average annual rate of 57.3%, while the Banks industry saw earnings growing at 24% annually. Revenues have been growing at an average rate of 37.8% per year. Bank Jago's return on equity is 2.8%, and it has net margins of 12.7%.

Key information

57.30%

Earnings growth rate

81.34%

EPS growth rate

Banks Industry Growth13.19%
Revenue growth rate37.76%
Return on equity2.77%
Net Margin12.74%
Last Earnings Update30 Sep 2025

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 251,898,240241,8151,557,3830
30 Jun 251,775,200205,6211,478,4210
31 Mar 251,653,376167,0831,404,3520
31 Dec 241,540,573128,5181,342,1240
30 Sep 241,483,317107,9041,331,1290
30 Jun 241,423,89281,8121,304,8220
31 Mar 241,395,24176,5651,285,2130
31 Dec 231,360,78972,3621,262,6010
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

Quality Earnings: ARTO has high quality earnings.

Growing Profit Margin: ARTO's current net profit margins (12.7%) are higher than last year (7.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: ARTO has become profitable over the past 5 years, growing earnings by 57.3% per year.

Accelerating Growth: ARTO's earnings growth over the past year (124.1%) exceeds its 5-year average (57.3% per year).

Earnings vs Industry: ARTO earnings growth over the past year (124.1%) exceeded the Banks industry 7.2%.

Return on Equity

High ROE: ARTO's Return on Equity (2.8%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/12/08 18:50
End of Day Share Price 2025/12/08 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

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.

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 Github.

Analyst Sources

PT Bank Jago Tbk is covered by 24 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