PT Bank Jago Tbk(ID:ARTO)
Rp500.00-5.00 (-0.99%)
ID:ARTO
PT Bank Jago Tbk financials statements
Rp500.00
At close:-5.00 (-0.99%)
PT Bank Jago Tbk (ARTO) Ratios
PT Bank Jago Tbk Ratios
ID:ARTO's free cash flow for Q3 2026 was Rp484.45B. For the 2026 fiscal year, ID:ARTO's free cash flow was decreased by Rp-45.00M and operating cash flow was Rp484.50B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Mar 24 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 8.85 | 0.46 | 0.85 | 0.29 | 0.88 |
| Quick Ratio | 8.85 | 0.91 | 0.85 | 0.29 | 0.88 |
| Cash Ratio | 8.30 | 0.40 | 0.37 | 0.26 | 0.80 |
| Solvency Ratio | 0.01 | 0.02 | 0.02 | 0.01 | 0.03 |
| Operating Cash Flow Ratio | 2.92 | 0.31 | 0.28 | 0.26 | -2.13 |
| Short-Term Operating Cash Flow Coverage | 2.92 | 8.04 | 13.99 | 0.00 | 0.00 |
| Net Current Asset Value | Rp -22.26T | Rp -15.14T | Rp -6.05T | Rp -7.02T | Rp -2.50T |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.02 | 0.01 | 0.00 | 0.01 |
| Debt-to-Equity Ratio | 0.07 | 0.05 | 0.02 | 0.01 | 0.01 |
| Debt-to-Capital Ratio | 0.07 | 0.05 | 0.02 | 0.01 | 0.01 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 4.14 | 3.35 | 2.55 | 2.05 | 1.49 |
| Debt Service Coverage Ratio | 0.20 | 0.42 | 0.55 | 0.83 | 2.16 |
| Interest Coverage Ratio | 0.37 | 0.37 | 0.32 | 0.15 | 0.15 |
| Debt to Market Cap | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 115.10 | 67.29 | 35.64 | 14.32 | 9.50 |
| Net Debt to EBITDA | -11.49 | -8.98 | -10.29 | -11.82 | -23.47 |
| Profitability Margins | |||||
| Gross Profit Margin | 53.27% | 76.04% | 84.45% | 90.75% | 90.57% |
| EBIT Margin | 9.12% | 8.77% | 5.02% | 1.36% | 1.38% |
| EBITDA Margin | 10.02% | 20.77% | 14.48% | 8.00% | 8.78% |
| Operating Profit Margin | 9.12% | 8.77% | 5.02% | 1.36% | 1.38% |
| Pretax Profit Margin | 9.12% | 8.77% | 5.02% | 1.36% | 1.38% |
| Net Profit Margin | 7.17% | 6.28% | 3.88% | 1.06% | 12.98% |
| Continuous Operations Profit Margin | 7.17% | 6.28% | 3.88% | 1.06% | 12.98% |
| Net Income Per EBT | 78.68% | 71.65% | 77.34% | 77.90% | 941.80% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.76% | 0.45% | 0.34% | 0.09% | 0.70% |
| Return on Equity (ROE) | 3.13% | 1.51% | 0.87% | 0.19% | 1.04% |
| Return on Capital Employed (ROCE) | 0.98% | 1.00% | 0.71% | 0.18% | 0.09% |
| Return on Invested Capital (ROIC) | 0.76% | 0.69% | 0.44% | 0.17% | 0.08% |
| Return on Tangible Assets | 0.81% | 0.48% | 0.36% | 0.10% | 0.73% |
| Earnings Yield | 1.01% | 0.38% | 0.18% | 0.03% | 0.04% |
| Efficiency Ratios | |||||
| Receivables Turnover | 11.82 | 6.39 | 7.75 | 7.34 | 5.06 |
| Payables Turnover | 34.26 | 13.01 | 21.47 | 20.22 | 14.36 |
| Inventory Turnover | 0.00 | -0.10 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 61.53 | 17.70 | 15.65 | 10.45 | 4.60 |
| Asset Turnover | 0.11 | 0.07 | 0.09 | 0.09 | 0.05 |
| Working Capital Turnover Ratio | -8.75 | -0.59 | -0.70 | -0.70 | -81.04 |
| Cash Conversion Cycle | 20.22 | -3462.69 | 30.07 | 31.66 | 46.65 |
| Days of Sales Outstanding | 30.88 | 57.11 | 47.07 | 49.71 | 72.07 |
| Days of Inventory Outstanding | 0.00 | -3491.74 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 10.65 | 28.06 | 17.00 | 18.05 | 25.42 |
| Operating Cycle | 30.88 | -3434.64 | 47.07 | 49.71 | 72.07 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 128.94 | 232.91 | 162.39 | 108.60 | -285.19 |
| Free Cash Flow Per Share | 127.53 | 180.16 | 115.37 | 73.35 | -315.71 |
| Dividend Paid and CapEx Coverage Ratio | 91.11 | 4.42 | 3.45 | 3.08 | -9.34 |
| Capital Expenditure Coverage Ratio | 91.11 | 4.42 | 3.45 | 3.08 | -9.34 |
| Operating Cash Flow Coverage Ratio | 2.76 | 7.30 | 11.03 | 25.27 | -59.50 |
| Operating Cash Flow to Sales Ratio | 0.46 | 1.58 | 1.21 | 1.00 | -5.72 |
| Free Cash Flow Yield | 6.46% | 7.41% | 3.94% | 1.97% | -1.97% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 99.10 | 262.14 | 561.30 | 3234.78 | 2469.14 |
| Price-to-Sales (P/S) Ratio | 7.11 | 16.46 | 21.78 | 34.34 | 320.64 |
| Price-to-Book (P/B) Ratio | 3.10 | 3.95 | 4.86 | 6.24 | 25.75 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 15.49 | 13.49 | 25.40 | 50.71 | -50.68 |
| Price-to-Operating Cash Flow Ratio | 15.32 | 10.43 | 18.04 | 34.26 | -56.10 |
| Price-to-Earnings Growth (PEG) Ratio | 0.86 | 3.38 | 1.59 | -39.33 | -18.32 |
| Enterprise Value Multiple | 59.50 | 70.26 | 140.15 | 417.48 | 3630.45 |
| Enterprise Value | 22.95T | 29.86T | 37.82T | 50.13T | 211.07T |
| EV to EBITDA | 59.50 | 70.26 | 140.15 | 417.48 | 3630.45 |
| EV to Sales | 5.96 | 14.59 | 20.29 | 33.40 | 318.59 |
| EV to Free Cash Flow | 12.98 | 11.96 | 23.66 | 49.32 | -50.35 |
| EV to Operating Cash Flow | 12.84 | 9.25 | 16.81 | 33.31 | -55.74 |
| Tangible Book Value Per Share | 469.36 | 478.22 | 502.54 | 532.34 | 583.94 |
| Shareholders’ Equity Per Share | 636.73 | 614.78 | 603.11 | 596.39 | 621.32 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.28 | 0.23 | 0.22 | -8.42 |
| Revenue Per Share | 277.78 | 147.64 | 134.54 | 108.32 | 49.90 |
| Net Income Per Share | 19.93 | 9.27 | 5.22 | 1.15 | 6.48 |
| Tax Burden | 0.79 | 0.72 | 0.77 | 0.78 | 9.42 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.14 | 0.27 | 0.33 | 0.38 | 0.44 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 6.47 | 0.00 | 0.00 | 0.00 | 0.00 |
Currency in IDR
