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How does ARTO.JK make money? Does ARTO.JK have pricing power? What's the Earnings Whisper? Will ARTO.JK profit more as the business scales? What is ARTO.JK's management track record? Is ARTO.JK's current price justified?

PT Bank Jago Tbk

IDR 935 -$1035.00 (-52.54%)

JKT · 16 Sep 2026 04:18 UTC

Previous Close

IDR 950

Day Range

IDR 930IDR 950

Year Range

IDR 740IDR 2390

Market Cap

12.96T

AVG Volume

12.6M

Trailing/Forward PE

38.32/18.11

PEG ratio

0.58

Dividend Yield

Next Earnings Date

2026-10-16

Primary Exchange

Indonesia Stock Exchange

Revenue (IDR)

ARTO.JK Revenue (IDR) by year
Period	Revenue (IDR)
2025	3.69T
2024	1.85T
2023	1.79T
2022	1.5T
2021	650.94B
2020	91.93B
2019	57.27B
2018	71.23B
2017	78.65B
2016	62.13B

Net Income (IDR)

ARTO.JK Net Income (IDR) by year
Period	Net Income (IDR)
2025	276.23B
2024	128.52B
2023	72.36B
2022	15.91B
2021	86.02B
2020	-189.57B
2019	-121.97B
2018	-23.29B
2017	-8.74B
2016	-33.33B

Operating Income (IDR)

ARTO.JK Operating Income (IDR) by year
Period	Operating Income (IDR)
2025	351.14B
2024	291.46B
2023	144.85B
2022	20.43B
2021	9.13B
2020	-189.57B
2019	-118.79B
2018	-18.35B
2017	-12.62B
2016	-35.03B

EBITDA (IDR)

ARTO.JK EBITDA (IDR) by year
Period	EBITDA (IDR)
2025	583.49B
2024	341.9B
2023	269.86B
2022	120.07B
2021	58.14B
2020	-181.22B
2019	-117.11B
2018	-16.07B
2017	-10.56B
2016	-33.62B

Cash Flows (IDR)

ARTO.JK Cash Flows (IDR) by year
Period	Cash Flows (IDR)
2025	3.53T
2024	2.5T
2023	20.92B
2022	1.02T
2021	-4.19T
2020	-527.2B
2019	132.78B
2018	-87.33B
2017	40.06B
2016	-78.88B

EPS (IDR)

ARTO.JK EPS (IDR) by year
Period	EPS (IDR)
2025	19.54
2024	9.18
2023	5.22
2022	1.15
2021	7.93
2020	-18.04
2019	-12.61
2018	-2.42
2017	-0.9
2016	-3.46

Expenses (IDR)

ARTO.JK Expenses (IDR) by year
Period	Expenses (IDR)
2025	910.99B
2024	1.29T
2023	1.27T
2022	1.06T
2021	686.76B
2020	262.78B
2019	10.73B
2018	11.48B
2017	9.15B
2016	11.6B

Cash & Debt (IDR)

ARTO.JK Cash & Debt (IDR) by year
Period	Cash & Debt (IDR)
2025	5.08T
2024	4.26T
2023	2.98T
2022	1.48T
2021	1.43T
2020	450.57B
2019	63.52B
2018	125.89B
2017	70.31B
2016	53.24B

Debt ratios

ARTO.JK Debt ratios by year
Period	Debt ratios
2025	-3.37
2024	-4.83
2023	-10.41
2022	11.82
2021	5.32
2020	1.17
2019	0.36
2018	2.35

Margins

ARTO.JK Margins by year
Period	Margins
2025	62.24%
2024	84.24%
2023	88.19%
2022	90.75%
2021	90.4%
2020	72.34%
2019	28.22%
2018	43.91%
2017	53.2%
2016	63.36%

Return on Capital

ARTO.JK Return on Capital by year
Period	Return on Capital
2025	3.13%
2024	1.51%
2023	0.87%
2022	0.19%
2021	1.04%
2020	-15.38%
2019	-17.91%
2018	-20.15%
2017	-6.28%
2016	-22.63%

Shares Outstanding

ARTO.JK Shares Outstanding by year
Period	Shares Outstanding
2025	13.86B
2024	13.86B
2023	13.86B
2022	13.86B
2021	13.87B
2020	30.1B
2019	1.21B
2018	1.21B
2017	1.21B
2016	1.21B

Book Value Per Share (IDR)

ARTO.JK Book Value Per Share (IDR) by year
Period	Book Value Per Share (IDR)
2025	636.73
2024	614.81
2023	603.11
2022	596.39
2021	594.72
2020	40.94
2019	564.36
2018	95.81
2017	115.27
2016	122.09

Total Assets (IDR)

ARTO.JK Total Assets (IDR) by year
Period	Total Assets (IDR)
2025	36.51T
2024	28.54T
2023	21.3T
2022	16.97T
2021	12.31T
2020	2.18T
2019	1.32T
2018	664.67B
2017	837.23B
2016	774.78B

PE Ratio

ARTO.JK PE Ratio by year
Period	PE Ratio
Sep 26	43.64
Sep 26	46.63
Sep 26	48.24
Aug 26	45.94
Aug 26	48.69
Aug 26	54.44
Aug 26	59.95
Jul 26	56.04
Jul 26	57.42
Jul 26	64.54
Jul 26	52.14
Jul 26	42.26
Jun 26	45.41
Jun 26	48.67
Jun 26	50.68
Jun 26	46.67
May 26	59.21
May 26	56.7
May 26	60.72
May 26	62.47
Apr 26	65.48
Apr 26	65.23
Apr 26	71.26
Apr 26	71.51
Apr 26	64.98
Mar 26	78.82
Mar 26	79.39
Mar 26	82.26
Mar 26	79.1
Feb 26	91.14
Feb 26	93.72
Feb 26	95.73
Feb 26	98.02
Jan 26	97.45
Jan 26	109.49
Jan 26	109.2
Jan 26	113.21
Jan 26	112.92
Dec 25	133.48
Dec 25	132.13
Dec 25	134.82
Dec 25	139.54
Nov 25	136.85
Nov 25	131.45
Nov 25	136.17
Nov 25	144.94
Oct 25	147.63
Oct 25	138.87
Oct 25	131.45
Oct 25	141.57
Oct 25	146.96
Sep 25	178.36
Sep 25	185.83
Sep 25	175.87
Sep 25	180.02
Aug 25	188.32
Aug 25	183.34
Aug 25	180.85
Aug 25	154.3
Aug 25	153.47
Jul 25	155.13
Jul 25	143.1
Jul 25	150.16
Jul 25	142.69
Jun 25	182.21
Jun 25	181.67
Jun 25	187.6
Jun 25	179.51
May 25	197.3
May 25	217.79
May 25	210.24
May 25	205.39
May 25	204.31
Apr 25	207.01
Apr 25	168.73
Apr 25	157.41
Mar 25	188.12
Mar 25	186.2
Mar 25	209.95
Mar 25	246.55
Feb 25	225.36
Feb 25	259.39
Feb 25	246.55
Feb 25	272.24
Jan 25	288.93
Jan 25	301.77
Jan 25	327.45
Jan 25	327.45
Jan 25	321.03
Dec 24	407.76
Dec 24	387.03
Dec 24	454.42
Dec 24	466.51
Nov 24	456.14
Nov 24	471.69
Nov 24	430.23
Nov 24	449.23
Nov 24	483.79
Oct 24	494.15
Oct 24	494.15

Free Cash Flow Yield

ARTO.JK Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	19.47%
Sep 26	18.22%
Sep 26	17.61%
Aug 26	18.49%
Aug 26	17.45%
Aug 26	15.61%
Aug 26	14.17%
Jul 26	15.16%
Jul 26	14.8%
Jul 26	13.16%
Jul 26	16.29%
Jul 26	20.1%
Jun 26	28.11%
Jun 26	26.22%
Jun 26	25.18%
Jun 26	27.35%
May 26	21.56%
May 26	22.51%
May 26	21.02%
May 26	20.43%
Apr 26	19.49%
Apr 26	19.57%
Apr 26	17.91%
Apr 26	17.85%
Apr 26	19.64%
Mar 26	22.46%
Mar 26	22.3%
Mar 26	21.52%
Mar 26	22.38%
Feb 26	19.42%
Feb 26	18.89%
Feb 26	18.49%
Feb 26	18.06%
Jan 26	18.17%
Jan 26	16.17%
Jan 26	16.21%
Jan 26	15.64%
Jan 26	15.68%
Dec 25	18.03%
Dec 25	18.22%
Dec 25	17.85%
Dec 25	17.25%
Nov 25	17.59%
Nov 25	18.31%
Nov 25	17.68%
Nov 25	16.61%
Oct 25	16.31%
Oct 25	17.33%
Oct 25	18.31%
Oct 25	17%
Oct 25	16.38%
Sep 25	13.13%
Sep 25	12.6%
Sep 25	13.31%
Sep 25	13.01%
Aug 25	12.43%
Aug 25	12.77%
Aug 25	12.95%
Aug 25	15.17%
Aug 25	15.26%
Jul 25	15.09%
Jul 25	16.36%
Jul 25	15.59%
Jul 25	16.41%
Jun 25	10.66%
Jun 25	10.69%
Jun 25	10.35%
Jun 25	10.82%
May 25	9.85%
May 25	8.92%
May 25	9.24%
May 25	9.46%
May 25	9.51%
Apr 25	9.38%
Apr 25	11.51%
Apr 25	12.34%
Mar 25	7.23%
Mar 25	7.31%
Mar 25	6.48%
Mar 25	5.52%
Feb 25	6.04%
Feb 25	5.25%
Feb 25	5.52%
Feb 25	5%
Jan 25	4.71%
Jan 25	4.51%
Jan 25	4.16%
Jan 25	4.16%
Jan 25	4.24%
Dec 24	1.1%
Dec 24	1.16%
Dec 24	0.99%
Dec 24	0.96%
Nov 24	0.99%
Nov 24	0.95%
Nov 24	1.05%
Nov 24	1%
Nov 24	0.93%
Oct 24	0.91%
Oct 24	0.91%

Price to Sales

ARTO.JK Price to Sales by year
Period	Price to Sales
Sep 26	3.29
Sep 26	3.51
Sep 26	3.63
Aug 26	3.46
Aug 26	3.67
Aug 26	4.1
Aug 26	4.52
Jul 26	4.22
Jul 26	4.33
Jul 26	4.86
Jul 26	3.93
Jul 26	3.18
Jun 26	3.4
Jun 26	3.64
Jun 26	3.79
Jun 26	3.49
May 26	4.43
May 26	4.24
May 26	4.55
May 26	4.68
Apr 26	4.9
Apr 26	4.88
Apr 26	5.33
Apr 26	5.35
Apr 26	4.86
Mar 26	5.86
Mar 26	5.91
Mar 26	6.12
Mar 26	5.88
Feb 26	6.78
Feb 26	6.97
Feb 26	7.12
Feb 26	7.29
Jan 26	7.25
Jan 26	8.14
Jan 26	8.12
Jan 26	8.42
Jan 26	8.4
Dec 25	9.92
Dec 25	9.82
Dec 25	10.02
Dec 25	10.37
Nov 25	10.17
Nov 25	9.77
Nov 25	10.12
Nov 25	10.77
Oct 25	10.98
Oct 25	10.32
Oct 25	9.77
Oct 25	10.52
Oct 25	10.93
Sep 25	12.97
Sep 25	13.51
Sep 25	12.79
Sep 25	13.09
Aug 25	13.69
Aug 25	13.33
Aug 25	13.15
Aug 25	11.22
Aug 25	11.16
Jul 25	11.28
Jul 25	10.4
Jul 25	10.92
Jul 25	10.37
Jun 25	12.68
Jun 25	12.64
Jun 25	13.06
Jun 25	12.49
May 25	13.73
May 25	15.16
May 25	14.63
May 25	14.29
May 25	14.22
Apr 25	14.41
Apr 25	11.74
Apr 25	10.96
Mar 25	12.98
Mar 25	12.85
Mar 25	14.49
Mar 25	17.01
Feb 25	15.55
Feb 25	17.9
Feb 25	17.01
Feb 25	18.78
Jan 25	19.94
Jan 25	20.82
Jan 25	22.59
Jan 25	22.59
Jan 25	22.15
Dec 24	22.05
Dec 24	20.93
Dec 24	24.57
Dec 24	25.23
Nov 24	24.67
Nov 24	25.51
Nov 24	23.27
Nov 24	24.29
Nov 24	26.16
Oct 24	26.72
Oct 24	26.72

EV/EBITDA

ARTO.JK EV/EBITDA by year
Period	EV/EBITDA
Sep 26	20.22
Sep 26	21.86
Sep 26	22.74
Aug 26	21.48
Aug 26	22.99
Aug 26	26.13
Aug 26	29.14
Jul 26	27.01
Jul 26	27.76
Jul 26	31.65
Jul 26	24.87
Jul 26	19.47
Jun 26	13.91
Jun 26	15.45
Jun 26	16.4
Jun 26	14.5
May 26	20.44
May 26	19.25
May 26	21.15
May 26	21.98
Apr 26	23.41
Apr 26	23.29
Apr 26	26.14
Apr 26	26.26
Apr 26	23.17
Mar 26	30.17
Mar 26	30.43
Mar 26	31.71
Mar 26	30.3
Feb 26	35.69
Feb 26	36.84
Feb 26	37.74
Feb 26	38.76
Jan 26	38.51
Jan 26	43.89
Jan 26	43.76
Jan 26	45.56
Jan 26	45.43
Dec 25	42.26
Dec 25	41.76
Dec 25	42.75
Dec 25	44.5
Nov 25	43.5
Nov 25	41.51
Nov 25	43.25
Nov 25	46.49
Oct 25	47.48
Oct 25	44.25
Oct 25	41.51
Oct 25	45.24
Oct 25	47.23
Sep 25	53
Sep 25	55.54
Sep 25	52.15
Sep 25	53.56
Aug 25	56.38
Aug 25	54.69
Aug 25	53.84
Aug 25	44.82
Aug 25	44.54
Jul 25	45.1
Jul 25	41.01
Jul 25	43.41
Jul 25	40.87
Jun 25	57.33
Jun 25	57.13
Jun 25	59.35
Jun 25	56.31
May 25	63
May 25	70.7
May 25	67.86
May 25	66.04
May 25	65.64
Apr 25	66.65
Apr 25	52.26
Apr 25	48.01
Mar 25	60.75
Mar 25	60
Mar 25	69.19
Mar 25	83.35
Feb 25	75.16
Feb 25	88.32
Feb 25	83.35
Feb 25	93.29
Jan 25	99.75
Jan 25	104.72
Jan 25	114.66
Jan 25	114.66
Jan 25	112.17
Dec 24	127.76
Dec 24	120.5
Dec 24	144.1
Dec 24	148.33
Nov 24	144.7
Nov 24	150.15
Nov 24	135.63
Nov 24	142.28
Nov 24	154.38
Oct 24	158.02
Oct 24	158.02

Price/Operating Cashflow

ARTO.JK Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	5.11
Sep 26	5.46
Sep 26	5.65
Aug 26	5.38
Aug 26	5.7
Aug 26	6.37
Aug 26	7.02
Jul 26	6.56
Jul 26	6.72
Jul 26	7.56
Jul 26	6.1
Jul 26	4.95
Jun 26	3.29
Jun 26	3.53
Jun 26	3.67
Jun 26	3.38
May 26	4.29
May 26	4.11
May 26	4.4
May 26	4.53
Apr 26	4.74
Apr 26	4.73
Apr 26	5.16
Apr 26	5.18
Apr 26	4.71
Mar 26	4.04
Mar 26	4.06
Mar 26	4.21
Mar 26	4.05
Feb 26	4.67
Feb 26	4.8
Feb 26	4.9
Feb 26	5.02
Jan 26	4.99
Jan 26	5.6
Jan 26	5.59
Jan 26	5.8
Jan 26	5.78
Dec 25	4.93
Dec 25	4.88
Dec 25	4.98
Dec 25	5.16
Nov 25	5.06
Nov 25	4.86
Nov 25	5.03
Nov 25	5.35
Oct 25	5.45
Oct 25	5.13
Oct 25	4.86
Oct 25	5.23
Oct 25	5.43
Sep 25	6.34
Sep 25	6.61
Sep 25	6.25
Sep 25	6.4
Aug 25	6.69
Aug 25	6.52
Aug 25	6.43
Aug 25	5.49
Aug 25	5.46
Jul 25	5.52
Jul 25	5.09
Jul 25	5.34
Jul 25	5.07
Jun 25	7.26
Jun 25	7.23
Jun 25	7.47
Jun 25	7.15
May 25	7.86
May 25	8.67
May 25	8.37
May 25	8.18
May 25	8.14
Apr 25	8.24
Apr 25	6.72
Apr 25	6.27
Mar 25	9.22
Mar 25	9.12
Mar 25	10.29
Mar 25	12.08
Feb 25	11.04
Feb 25	12.71
Feb 25	12.08
Feb 25	13.34
Jan 25	14.16
Jan 25	14.78
Jan 25	16.04
Jan 25	16.04
Jan 25	15.73
Dec 24	30.9
Dec 24	29.33
Dec 24	34.44
Dec 24	35.36
Nov 24	34.57
Nov 24	35.75
Nov 24	32.61
Nov 24	34.05
Nov 24	36.67
Oct 24	37.45
Oct 24	37.45

Price to Book

ARTO.JK Price to Book by year
Period	Price to Book
Sep 26	1.48
Sep 26	1.58
Sep 26	1.63
Aug 26	1.55
Aug 26	1.65
Aug 26	1.84
Aug 26	2.03
Jul 26	1.9
Jul 26	1.94
Jul 26	2.18
Jul 26	1.76
Jul 26	1.43
Jun 26	1.42
Jun 26	1.52
Jun 26	1.59
Jun 26	1.46
May 26	1.85
May 26	1.77
May 26	1.9
May 26	1.96
Apr 26	2.05
Apr 26	2.04
Apr 26	2.23
Apr 26	2.24
Apr 26	2.03
Mar 26	2.18
Mar 26	2.2
Mar 26	2.28
Mar 26	2.19
Feb 26	2.52
Feb 26	2.59
Feb 26	2.65
Feb 26	2.71
Jan 26	2.7
Jan 26	3.03
Jan 26	3.02
Jan 26	3.13
Jan 26	3.12
Dec 25	3.17
Dec 25	3.14
Dec 25	3.2
Dec 25	3.31
Nov 25	3.25
Nov 25	3.12
Nov 25	3.23
Nov 25	3.44
Oct 25	3.5
Oct 25	3.3
Oct 25	3.12
Oct 25	3.36
Oct 25	3.49
Sep 25	3.47
Sep 25	3.61
Sep 25	3.42
Sep 25	3.5
Aug 25	3.66
Aug 25	3.57
Aug 25	3.52
Aug 25	3
Aug 25	2.98
Jul 25	3.02
Jul 25	2.78
Jul 25	2.92
Jul 25	2.78
Jun 25	2.75
Jun 25	2.74
Jun 25	2.83
Jun 25	2.71
May 25	2.98
May 25	3.29
May 25	3.17
May 25	3.1
May 25	3.08
Apr 25	3.12
Apr 25	2.55
Apr 25	2.37
Mar 25	2.4
Mar 25	2.37
Mar 25	2.68
Mar 25	3.14
Feb 25	2.87
Feb 25	3.31
Feb 25	3.14
Feb 25	3.47
Jan 25	3.68
Jan 25	3.85
Jan 25	4.17
Jan 25	4.17
Jan 25	4.09
Dec 24	3.96
Dec 24	3.76
Dec 24	4.41
Dec 24	4.53
Nov 24	4.43
Nov 24	4.58
Nov 24	4.18
Nov 24	4.36
Nov 24	4.7
Oct 24	4.8
Oct 24	4.8

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PT Bank Jago Tbk

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