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PT Bank Jago Tbk (ARTO.JK)
Jakarta, ID
PT Bank Jago Tbk is an Indonesian financial institution primarily serving small and medium-sized enterprises (SMEs) with a wide array of banking solutions. Its deposit products include conventional checking and savings accounts, time deposits, and Sharia-compliant Mudharabah deposits. The bank provides various credit facilities such as working capital, investment, consumer, and multipurpose loans. It also offers working capital financing structured under a murabahah bil wakalah contract and issues bank guarantees. Additional services provided by the company encompass bill payment, remittance options (RTGS/SKN), inter-city and in-city clearing for warkat invoices, ATM access, customer fund account management, and debit card issuance. As of December 31, 2021, PT Bank Jago Tbk maintained an operational network comprising two main branch offices, two sub-branch offices, one Sharia branch, and four automated teller machines (ATMs). The company, originally founded in 1992 as PT Bank Artos Indonesia Tbk, underwent a name change to PT Bank Jago Tbk in June 2020. Its corporate headquarters are located in Jakarta, Indonesia.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +3.06% | +2.61% | -9.58% | -25.79% | -41.87% | -40.10% | -35.69% | -51.24% | -90.29% | +5,421.76% | +4,433.23% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | -1 |
| Buy | 7 | -1 |
| Hold | 3 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+88.2% Q1'26: +39.5% (vs Q1'25)
-
EPS growth+112.5% Q1'26: +40.8% (vs Q1'25)
-
FCF margin— Q1'26: +27.8% (vs Q1'25)
-
EBIT margin— Q1'26: +9.9% (vs Q1'25)
-
ROIC— Q1'26: +5.0% (vs Q1'25)
-
Share dilution+1.1% Q1'26: +1.1% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 6.80× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 8 Rev. Ana. 8 EPS Ana. |
Dec 2027 12 Rev. Ana. 11 EPS Ana. |
Dec 2028 10 Rev. Ana. 8 EPS Ana. |
Dec 2029 5 Rev. Ana. 6 EPS Ana. |
Dec 2030 5 Rev. Ana. 6 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
91.48B
est: 76.17B (+20.1%)
|
662.54B
est: 554.14B (+19.6%)
|
1.50T
est: 1.47T (+2.2%)
|
1.86T
est: 1.42T (+30.9%)
|
2.05T
est: 1.86T (+10.2%)
|
3.85T
est: 2.84T (+35.5%)
|
3.79T
3.69T – 3.91T
+33.3% YoY
|
4.86T
3.68T – 5.41T
+28.4% YoY
|
6.18T
6.11T – 6.25T
+27.1% YoY
|
22.54T
19.23T – 24.26T
+264.5% YoY
|
35.05T
29.90T – 37.74T
+55.5% YoY
|
| EBITDA |
-181.22B
est: -7.31B (-2,379.3%)
|
58.14B
est: -53.17B (+209.3%)
|
120.07B
est: -140.86B (+185.2%)
|
269.86B
est: 176.67B (+52.7%)
|
424.93B
est: 230.29B (+84.5%)
|
385.65B
est: 352.48B (+9.4%)
|
469.93B
458.44B – 484.74B
+33.3% YoY
|
603.37B
456.40B – 671.10B
+28.4% YoY
|
767.15B
758.31B – 775.98B
+27.1% YoY
|
2.80T
2.39T – 3.01T
+264.5% YoY
|
4.35T
3.71T – 4.68T
+55.5% YoY
|
| EBIT |
-189.57B
est: -12.72B (-1,390.7%)
|
9.13B
est: -92.51B (+109.9%)
|
20.43B
est: -245.06B (+108.3%)
|
93.56B
est: 73.03B (+28.1%)
|
179.36B
est: 95.19B (+88.4%)
|
351.11B
est: 145.71B (+141.0%)
|
194.26B
189.51B – 200.38B
+33.3% YoY
|
249.42B
188.66B – 277.41B
+28.4% YoY
|
317.12B
313.47B – 320.77B
+27.1% YoY
|
1.16T
986.11B – 1.24T
+264.5% YoY
|
1.80T
1.53T – 1.94T
+55.5% YoY
|
| Net Income |
-189.57B
est: -186.35B (-1.7%)
|
86.02B
est: 35.47B (+142.6%)
|
15.91B
est: 46.66B (-65.9%)
|
72.36B
est: 81.81B (-11.6%)
|
128.52B
est: 133.64B (-3.8%)
|
276.23B
est: 301.74B (-8.5%)
|
409.43B
362.58B – 481.44B
+35.7% YoY
|
777.58B
555.02B – 1.01T
+89.9% YoY
|
1.17T
731.51B – 1.54T
+50.7% YoY
|
1.45T
1.18T – 1.60T
+23.9% YoY
|
2.14T
1.73T – 2.35T
+47.1% YoY
|
| SGA |
64.12B
est: 32.43B (+97.7%)
|
293.01B
est: 235.92B (+24.2%)
|
570.25B
est: 624.96B (-8.8%)
|
618.67B
est: 447.22B (+38.3%)
|
560.07B
est: 582.96B (-3.9%)
|
549.02B
est: 892.28B (-38.5%)
|
1.19T
1.16T – 1.23T
+33.3% YoY
|
1.53T
1.16T – 1.70T
+28.4% YoY
|
1.94T
1.92T – 1.96T
+27.1% YoY
|
7.08T
6.04T – 7.62T
+264.5% YoY
|
11.01T
9.39T – 11.85T
+55.5% YoY
|
| EPS |
-18.65
est: -13.32 (-40.0%)
|
6.48
est: 2.53 (+155.6%)
|
1.15
est: 3.33 (-65.5%)
|
5.22
est: 5.90 (-11.6%)
|
9.27
est: 9.90 (-6.4%)
|
19.93
est: 19.65 (+1.4%)
|
29.97
25.64 – 34.05
+52.5% YoY
|
50.71
39.25 – 71.10
+69.2% YoY
|
79.46
51.73 – 108.73
+56.7% YoY
|
102.70
83.10 – 112.93
+29.3% YoY
|
151.10
122.26 – 166.15
+47.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-26 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-25 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-22 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-21 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-20 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-19 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-18 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-13 | B | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-12 | B | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 | 1/5 | 2/5 |
| 2026-05-11 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-08 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-07 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-06 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-05 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-04 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-30 | C+ | 2/5 | 4/5 | 2/5 | 3/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-29 | C+ | 2/5 | 5/5 | 2/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-28 | C+ | 2/5 | 5/5 | 2/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-27 | C+ | 2/5 | 5/5 | 2/5 | 1/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 5/5 | 2/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-23 | B- | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-22 | B- | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-21 | B- | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-20 | B- | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-17 | B- | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-16 | B- | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 1/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Indonesia ETF EIDO | 0.50% | 2.26M | 0.59% |
| 2 | VanEck Indonesia Index ETF IDX | 0.23% | 66.7K | 0.57% |
| 3 | iShares MSCI Emerging Markets Small-Cap ETF EEMS | 0.02% | 89.1K | 0.72% |
| 4 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.02% | 163.8K | 0.65% |
| 5 | iShares MSCI AC Far East ex-Japan Small Cap UCITS ETF ISFE.L | 0.02% | 13.4K | 0.74% |
| 6 | State Street SPDR MSCI Emerging Markets Small Cap UCITS ETF EMSD.L | 0.01% | 72.3K | 0.55% |
| 7 | iShares MSCI EM Small Cap UCITS ETF IEMS.L | 0.01% | 41.5K | 0.74% |
| 8 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.01% | 1.18M | 0.06% |
| 9 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.00% | 38.1K | 0.48% |
| 10 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.00% | 86.0K | 0.26% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Arief Harris Tandjung | Sharia Business Unit Director & President Director | — | male |
| Bambang Setiawan | Head of Remedial & Asset Management Unit | — | male |
| Deisy Christina | Head of Corporate Legal & Litigation | — | female |
| Eny Yuliati | Head of Corporate Communication | — | female |
| Pratomo Soedarsono | Head of People & Culture | — | male |
| Ruth Akimi Kilapong | Head of Compliance | — | — |
| Tanpanjana | Head of Finance | — | male |
| Thane Jerrold T. Go | Head of Operations | — | male |
| Vincentius Ivan | Head of Information & Technology | — | — |
| Yovita Fifiningsih Ario | Head of Service & Distribution | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ARTO.JK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
