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Bank Jago Tbk PT ARTO.JK · IDR

Financials · IDX · 🇮🇩 Indonesia

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510

-0.97%

Close of 9 Nov 2026, in IDR

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At a glance

Figures in IDR, from our data supplier.

FY2025

Net income

IDR 276.23bn

FY2016FY2025

Total assets

IDR 36.51trn

FY2016FY2025

Shareholders' equity

IDR 8.83trn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating incomeIDR 351.11bnIDR 179.36bnIDR 93.56bnIDR 20.43bnIDR 9.13bn−IDR 189.57bn−IDR 118.80bn−IDR 18.35bn−IDR 12.43bn−IDR 37.88bn
Net incomeIDR 276.23bnIDR 128.52bnIDR 72.36bnIDR 15.91bnIDR 86.02bn−IDR 189.57bn−IDR 121.97bn−IDR 23.29bn−IDR 8.74bn−IDR 33.33bn
Diluted earnings per share19.549.195.221.156.20-6.30-101.05-19.31-7.24-27.63

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assetsIDR 36.51trnIDR 28.54trnIDR 21.30trnIDR 16.97trnIDR 12.31trnIDR 2.18trnIDR 1.32trnIDR 664.67bnIDR 837.23bnIDR 774.78bn
Cash and short-term investmentsIDR 5.09trnIDR 4.26trnIDR 2.98trnIDR 1.48trnIDR 1.43trnIDR 450.57bnIDR 63.52bnIDR 125.89bnIDR 70.31bnIDR 53.24bn
Total liabilitiesIDR 27.68trnIDR 20.02trnIDR 12.94trnIDR 8.70trnIDR 4.06trnIDR 947.54bnIDR 639.88bnIDR 549.11bnIDR 698.18bnIDR 627.51bn
DebtIDR 647.85bnIDR 442.13bnIDR 203.92bnIDR 59.54bnIDR 174.00bnIDR 71.10bn————
Shareholders' equityIDR 8.83trnIDR 8.52trnIDR 8.36trnIDR 8.26trnIDR 8.25trnIDR 1.23trnIDR 681.18bnIDR 115.56bnIDR 139.05bnIDR 147.27bn
Shares outstanding14,136m13,988m13,856m13,856m13,871m30,104m1,207m1,206m1,206m1,206m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Operating incomeIDR 132.45bnIDR 110.02bnIDR 95.66bnIDR 92.47bnIDR 85.73bnIDR 77.28bnIDR 69.30bnIDR 45.99bn
Net incomeIDR 103.29bnIDR 85.78bnIDR 77.10bnIDR 72.06bnIDR 66.80bnIDR 60.27bnIDR 42.68bnIDR 35.87bn
Diluted earnings per share7.276.045.455.104.734.263.052.56
Total assetsIDR 41.42trnIDR 39.53trnIDR 36.51trnIDR 34.50trnIDR 32.43trnIDR 32.46trnIDR 28.54trnIDR 26.85trn
Cash and short-term investmentsIDR 4.20trnIDR 5.22trnIDR 5.08trnIDR 3.54trnIDR 3.95trnIDR 5.15trnIDR 4.26trnIDR 3.91trn
DebtIDR 3.64trnIDR 3.18trnIDR 662.86bnIDR 808.48bnIDR 356.87bnIDR 1.42trnIDR 455.97bnIDR 562.17bn
Shareholders' equityIDR 9.03trnIDR 8.92trnIDR 8.83trnIDR 8.74trnIDR 8.66trnIDR 8.59trnIDR 8.52trnIDR 8.47trn

Financial ratios

Data as of 26 Aug 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin9.1%8.8%5.0%1.4%1.4%-207.2%
Net margin7.2%6.3%3.9%1.1%13.0%-207.2%
Return on equity3.1%1.5%0.9%0.2%1.0%-15.4%
Return on assets0.8%0.5%0.3%0.1%0.7%-8.7%
Revenue growth88.2%9.7%24.2%126.5%624.2%70.4%
Earnings growth114.9%77.6%354.7%-81.5%-145.4%55.4%
Current ratio8.85x0.46x0.85x245.22x358.27x221.41x
Debt to equity0.07x0.05x0.02x0.00x0.00x0.01x
Equity ratio24.2%29.8%39.2%48.7%67.0%56.5%
Interest coverage0.37x0.37x0.32x0.15x0.15x-7.46x
Buybacks as a share of market value-1.1%-0.9%0.0%0.1%53.9%-2394.2%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue36.9%111.3%58.6%
Operating income158.1%—19.3%
Net income158.9%——

Average margins

Over each period

1 year3 years5 years10 years
Operating margin9.0%7.0%4.6%3.3%
Net margin6.9%5.3%3.9%2.0%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings101.1264.5———-566.3-3.8-1.2-2.9-0.7
Price to sales7.316.621.634.3335.0—8.70.40.30.3

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

Nothing here is investment advice. Prices can be delayed or wrong, so check with the exchange before relying on them. Data for this page. How we cover markets.