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Bank Artos Indonesia Tbk PT

Bank Artos Indonesia Tbk PT

ARTO · JK · Financial Services / Banks - Regional

545.00IDR+20.00 (+3.81%)

Price History

Full chart

Market Stats

Previous Close525.00
Open530.00
Day Range520.00 – 545.00
52-Week Range725.00 – 2,390.00
Volume9.46M
Market Cap10.47T
P/E (TTM)31.64
Forward P/E16.56
EPS23.86
Dividend Yield0.00%
Beta0.82
50-Day Avg1,053.70
200-Day Avg1,334.68

About

PT Bank Jago Tbk provides banking products and services in Indonesia. The company offers current accounts; savings accounts, including saving and spending pockets, locked pockets, shared pockets, giveaway pockets, and sharia savings products; time and term deposits; and Mudharabah deposits. It also provides working capital, investment, consumer, and multipurpose credit products; ultramicro financing with murabahah bil wakalah contracts; and financing with musyarakah and mudharabah contracts. In addition, the company offers debit cards, digital pro cards, ATMs and ALTO networks, QRIS, plan ahead services, remittances, recurring bill payments, request money services, spend analysis services, customer fund accounts, and FX pockets; and other supporting banking services. It serves retail consumers; mass markets; ultramicro businesses; and micro, small, and medium enterprises. The company was formerly known as PT Bank Artos Indonesia Tbk and changed its name to PT Bank Jago Tbk in June 2020. PT Bank Jago Tbk was founded in 1992 and is headquartered in Jakarta Selatan, Indonesia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Arief Harris Tandjung
  • Employees631
  • HeadquartersMenara SMBC, Jakarta Selatan, Indonesia, 12950, Indonesia
  • Websitehttps://www.jago.com

Leadership

  • Mr. Arief Harris TandjungSharia Business Unit Director & President Director · b. 1969
  • Mr. . TanpanjanaHead of Finance
  • Mr. Thane Jerrold T. GoHead of Operations · b. 1981
  • Vincentius IvanHead of Information & Technology · b. 1976
  • Ms. Deisy ChristinaHead of Corporate Legal & Litigation
  • Ruth Akimi KilapongHead of Compliance
  • Ms. Eny YuliatiHead of Corporate Communication
  • Mr. Pratomo SoedarsonoHead of People & Culture · b. 1977
  • Mr. Bambang Setiawan S.E.Head of Remedial & Asset Management Unit · b. 1960
  • Ms. Yovita Fifiningsih ArioHead of Service & Distribution

Financials

Income Statement

Currency: IDR2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue39.82B44.69B50.18B24.20B30.20B35.15B38.21B83.26B89.68B71.31B53.67B91.48B662.54B1.50T1.86T2.05T3.85T
Growth (%)-+12.22%+12.29%-51.78%+24.79%+16.41%+8.71%+117.89%+7.71%-20.49%-24.73%+70.43%+624.24%+126.53%+24.21%+9.74%+88.21%
Cost of Revenue------1.42B43.90B47.84B40.22B41.11B25.43B62.48B138.84B289.92B490.25B1.80T
Gross Profit---24.20B30.20B35.15B38.21B39.36B41.84B31.08B12.57B66.05B600.06B1.36T1.57T1.56T2.05T
Gross Margin---100.00%100.00%100.00%100.00%47.28%46.66%43.59%23.41%72.20%90.57%90.75%84.45%76.04%53.27%
Operating Expense---23.94B26.17B31.93B-22.15B77.24B54.28B49.44B131.36B255.62B590.93B1.34T1.48T1.38T1.70T
Operating Income20.22B20.28B27.26B258.87M4.03B3.22B60.36B-37.88B-12.43B-18.35B-118.80B-189.57B9.13B20.43B93.56B179.36B351.11B
Operating Margin50.77%45.38%54.33%1.07%13.34%9.16%157.96%-45.49%-13.86%-25.74%-221.32%-207.22%1.38%1.36%5.02%8.77%9.12%
EBITDA---2.70B9.98B8.65B62.78B-35.03B-9.71B-16.07B-117.13B-181.22B58.14B120.07B269.86B424.93B385.65B
EBITDA Margin---11.16%33.04%24.61%164.28%-42.07%-10.82%-22.54%-218.23%-198.10%8.78%8.00%14.48%20.77%10.02%
Net Income---424.77M2.32B1.13B-309.70M-33.33B-8.74B-23.29B-121.97B-189.57B86.02B15.91B72.36B128.52B276.23B
Net Income Margin---1.76%7.68%3.22%-0.81%-40.03%-9.74%-32.66%-227.23%-207.22%12.98%1.06%3.88%6.28%7.17%
Interest Expense00000060.28B43.90B47.84B40.22B41.11B25.43B62.48B138.84B289.92B490.25B947.54B
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%157.76%52.72%53.34%56.41%76.59%27.80%9.43%9.25%15.55%23.96%24.61%

Balance Sheet

Currency: IDR2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets347.51B404.42B455.76B511.10B657.01B840.78B745.65B774.78B837.23B664.67B1.32T2.18T12.31T16.97T21.30T28.54T36.51T
Total Liabilities263.45B301.42B350.67B1.46B1.66B2.83B638.43B627.51B698.18B549.11B639.88B947.54B4.06T8.70T12.94T20.02T27.68T
Total Equity84.06B103.01B105.09B105.52B107.84B104.83B107.21B147.27B139.05B115.56B681.18B1.23T8.25T8.26T8.36T8.52T8.83T
Cash9.20B9.93B11.87B13.25B17.54B15.52B62.83B53.24B70.31B60.70B303.60B450.57B1.43T1.48T2.98T4.26T5.08T
Total Debt-------18.77B14.29B24.18B27.93B84.15B74.17B70.86B203.94B442.15B647.85B
Net Debt----13.25B-17.54B-15.52B-62.83B-53.24B-70.31B-60.70B-303.60B-379.47B-1.36T-1.42T-2.78T-4.26T-4.43T

Cash Flow

Currency: IDR2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-58.53B-117.53B-123.64B-10.60B-56.59B40.87B-86.02B-503.28B-327.18B-3.79T1.50T2.25T3.23T1.79T
Investing Cash Flow9.19B-17.56B-40.34B10.03B18.74B-23.80B76.41B-1.98B-264.95B-2.17T-1.45T-744.46B-1.94T-7.80T
Financing Cash Flow54.30B142.70B180.65B-93.59B28.78B76.25B-149.29B682.86B736.15B6.92T-10.62B-11.56B-10.51B7.20T
Capital Expenditure3.45B1.44B2.71B3.41B3.01B785.21M1.31B1.53B201.45B405.25B488.35B651.48B730.91B19.62B
Free Cash Flow-61.98B-118.97B-126.35B-14.01B-59.60B40.09B-87.33B-504.81B-528.63B-4.19T1.02T1.60T2.50T1.77T
FCF to OCF105.90%101.22%102.20%132.20%105.31%98.08%101.52%100.30%161.57%110.70%67.55%71.05%77.35%98.90%

Earnings

Report DateMar 31, 2016Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Apr 29, 2020Jul 27, 2020Nov 25, 2020Mar 12, 2021Apr 20, 2021Jul 25, 2021Oct 21, 2021Mar 10, 2022Apr 30, 2022Jul 20, 2022Oct 21, 2022Mar 17, 2023Apr 28, 2023Jul 30, 2023Oct 26, 2023Mar 21, 2024Apr 25, 2024Jul 26, 2024Oct 26, 2024Dec 31, 2024Apr 23, 2025Jul 23, 2025Oct 27, 2025Mar 11, 2026Apr 23, 2026Jul 22, 2026
EPS Estimate----------------3.04-3.32-0.349.991.371.520.500.88-1.881.732.122.964.811.513.904.267.294.875.286.328.00
EPS Actual-1.09-0.400.01-0.39-0.31-0.36-1.36-0.62-0.84-0.51-10.64-17.45-1.95-4.19-6.41-3.51-0.181.208.971.370.720.84-1.781.261.660.711.591.581.992.563.084.314.675.105.456.077.26
Surprise----------------15.46%94.58%452.94%-10.21%0.00%-52.63%68.00%-302.27%--11.70%-58.96%-25.00%-46.62%-58.63%69.54%-21.08%1.17%-35.94%4.72%3.22%-3.94%-9.25%
Timing-----------Pre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-market-After-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours

Key Statistics & Ratios

Market Cap10.47T
Enterprise Value10.72T
Trailing P/E31.64
Forward P/E16.56
PEG Ratio0.38
Price / Sales4.52
Price / Book1.37
EPS23.86
Book Value651.20
Revenue (TTM)2.31T
Gross Profit (TTM)2.31T
Profit Margin14.62%
Operating Margin20.92%
Return on Equity3.82%
Return on Assets0.92%
Shares Outstanding13.86B
Shares Float3.85B
Beta0.82
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%