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PT Bank Jago Tbk (ARTO) Fair Value & Analysis

Financial Services · ID · Market cap 12.9T IDR

Price930.00 IDR
Fair Value259.07 IDR
Upside-72.1%
Quality95/100
Evidence: High Range 194.30 IDR – 323.84 IDR

Analysis

PT Bank Jago Tbk (ARTO) currently trades at 930.00 IDR, while our model-based Fair Value estimate is 259.07 IDR — implying the stock looks roughly 72.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

PT Bank Jago Tbk provides banking products and services in Indonesia. The company offers current accounts; savings accounts, including saving and spending pockets, locked pockets, shared pockets, giveaway pockets, and sharia savings products; time and term deposits; and Mudharabah deposits. It also provides working capital, investment, consumer, and multipurpose credit products; ultramicro financing with murabahah bil wakalah contracts; and financing with musyarakah and mudharabah contracts. In addition, the company offers debit cards, digital pro cards, ATMs and ALTO networks, QRIS, plan ahead services, remittances, recurring bill payments, request money services, spend analysis services, customer fund accounts, and FX pockets; and other supporting banking services. It serves retail consumers; mass markets; ultramicro businesses; and micro, small, and medium enterprises. The company was formerly known as PT Bank Artos Indonesia Tbk and changed its name to PT Bank Jago Tbk in June 2…

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How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.