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ARTO.JK$1175.00-0.42%
Fair $1175.00+0.0%

ARTO.JK

PT Bank Jago Tbk

Financial Services / Banks - RegionalJakarta

$1175.00

-5.00 (-0.42%)

Fairly Valued+0.0%Fair Value $1175.00Fund rank 37/100 · Data gapFallback financials|
SA 36/D
F-Score: 7/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 5.0/100

Data gap 37/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 76/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

36/100

D

Piotroski

7/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is 3.1%, below the 5% threshold
Thesis & Journal · ARTO.JKLocal privado en este navegador · PT Bank Jago Tbk
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$16.29T

P/E

55.3x

↑

EV/EBITDA

N/A

•

ROE

3.1%

↓

Gross Margin

N/A

•

Debt/Equity

0.01

↓
52-Week Range$1175
$1080$2440

TradingView lightweight chart

ARTO.JK price, volumen y niveles de valoración

Último $1,175Periodo +5343.1%
Fair value: $1,175

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+23.5%

FCF CAGR

+2.5%

FCF margin

42.6%

FCF / Net income

3.96x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $2.57T · net income $276.23B · FCF $1.09T

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

10.8%+9.6% pts

FCF margin

42.6%-32.0% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$2565.71B$2565.71B$1555.58B$1574.25B$1362.02B
Net Income$276.23B$276.23B$128.52B$72.36B$15.91B
EPS19.5319.539.195.171.15
Net Margin10.8%10.8%8.3%4.6%1.2%
Balance Sheet
Debt/Equity0.010.010.010.010.01
Cash Flow
Free Cash Flow$1094.13B$1094.13B$2496.46B$1598.59B$1016.38B
Returns
ROE3.1%3.1%1.5%0.9%0.2%
Valuation
P/E55.3255.32272.03597.682660.87
P/B1.881.884.115.175.13
Growth & Yield
Revenue Growth64.9%64.9%-1.2%15.6%—
EPS Growth112.5%112.5%77.8%349.6%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

74.8%

muy exigente

EPS terminal req.

$104.26

Spread vs growth

37.7%

5Y implied EPS CAGR

45.2%

muy exigente

EPS terminal req.

$126.16

Spread vs growth

67.3%

10Y implied EPS CAGR

26.4%

muy exigente

EPS terminal req.

$203.18

Spread vs growth

86.1%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -39.1%

Total return

-39.1%

Start / end P/E

210.0x → 60.2x

EPS bridge

9.19 → 19.53

Residual

-80.3%

EPS growth+112.5%
Multiple rerating-71.4%
Dividend+0.0%
Residual / FX / buybacks / cross-term-80.3%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.