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PT Sinar Mas Multiartha Tbk's quarterly net loan
increased
from Sep. 2025 (Rp10,451,556 Mil) to Dec. 2025 (Rp12,119,725 Mil) but then
declined
from Dec. 2025 (Rp12,119,725 Mil) to Mar. 2026 (Rp12,070,042 Mil).
PT Sinar Mas Multiartha Tbk's annual net loan
declined
from Dec. 2023 (Rp16,522,319 Mil) to Dec. 2024 (Rp12,119,725 Mil) and
declined
from Dec. 2024 (Rp12,119,725 Mil) to Dec. 2025 (Rp12,070,042 Mil).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.
Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved
PT Sinar Mas Multiartha Tbk (ISX:SMMA) has a Net Loan of Rp12,070,042 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on PT Sinar Mas Multiartha Tbk and its competitors.
Is PT Sinar Mas Multiartha Tbk's Net Loan too high?
PT Sinar Mas Multiartha Tbk's current Net Loan is Rp12,070,042 Mil. Overall, PT Sinar Mas Multiartha Tbk has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Sinar Mas Multiartha Tbk's Net Loan compare to BRK.A and AIG?
PT Sinar Mas Multiartha Tbk's Net Loan of Rp12,070,042 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on PT Sinar Mas Multiartha Tbk and its competitors. PT Sinar Mas Multiartha Tbk's current Net Loan is Rp12,070,042 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Sinar Mas Multiartha Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Sinar Mas Multiartha Tbk (ISX:SMMA) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp15,953.57, compared to a current price of Rp20,175.00 — trading 26.5% above its estimated fair value. The current Net Loan is Rp12,070,042 Mil. PT Sinar Mas Multiartha Tbk's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For PT Sinar Mas Multiartha Tbk (ISX:SMMA), the current Net Loan is Rp12,070,042 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PT Sinar Mas Multiartha Tbk (ISX:SMMA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Sinar Mas Multiartha Tbk stock appears to be overvalued.
The current stock price of Rp20,175.00 is trading 26.5% above its estimated GF Value™ of Rp15,953.57.
GuruFocus considers PT Sinar Mas Multiartha Tbk to be Modestly Overvalued.
Key valuation signals for ISX:SMMA:
Net Loan: Rp12,070,042 Mil
GF Value™: Rp15,953.57 vs. price of Rp20,175.00 (26.5% above fair value)
No single metric tells the full story. See the ISX:SMMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Sinar Mas Multiartha Tbk provides an integrated and comprehensive range of financial services in Indonesia. The company is engaged in insurance underwriting, consumer financing, factoring of accounts, securities administration, securities brokerage, investment management, banking, development, Information technology, trading, and other related services. It is also involved in the auction house, property, health clinic, and workshop activities.
61GF Score
Get the complete analysis for ISX:SMMA
Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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