PT Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M) Cyclically Adjusted PS Ratio: 1.03 (As of Sep. 01, 2026) — 14% Above Median

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FRA:H1M PT Asuransi Tugu Pratama Indonesia Tbk FRA:H1M
86 GF Score
Price €0.05
GF Value €0.05
! 5 Warning Signs
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What is PT Asuransi Tugu Pratama Indonesia Tbk Cyclically Adjusted PS Ratio?

PT Asuransi Tugu Pratama Indonesia Tbk FRA:H1M +0.39% 86 Cyclically Adjusted PS Ratio is 1.03 as of Sep. 01, 2026, which is 14% above its 10-year median of 0.90. GuruFocus rates FRA:H1M with a GF Score™ of 86/100 and a GF Value™ of €0.05. The stock has 5 warning signs investors should review. Among 402 Insurance companies, PT Asuransi Tugu Pratama Indonesia Tbk ranks better than 59.2% on this metric.

As of today (2026-09-01), PT Asuransi Tugu Pratama Indonesia Tbk's current share price is €0.0517. PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was €0.05. PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio for today is 1.03.

The historical rank and industry rank for PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio or its related term are showing as below:

FRA:H1M' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.73   Med: 0.9   Max: 1.09
Current: 1.01

During the past years, PT Asuransi Tugu Pratama Indonesia Tbk's highest Cyclically Adjusted PS Ratio was 1.09. The lowest was 0.73. And the median was 0.90.

FRA:H1M's Cyclically Adjusted PS Ratio is ranked better than
59.2% of 402 companies
in the Insurance industry
Industry Median: 1.275 vs FRA:H1M: 1.01

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

PT Asuransi Tugu Pratama Indonesia Tbk's adjusted revenue per share data for the three months ended in Jun. 2026 was €-0.011. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is €0.05 for the trailing ten years ended in Jun. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


PT Asuransi Tugu Pratama Indonesia Tbk  (FRA:H1M) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


PT Asuransi Tugu Pratama Indonesia Tbk Cyclically Adjusted PS Ratio Related Terms


PT Asuransi Tugu Pratama Indonesia Tbk Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio can be seen below:

* 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.

PT Asuransi Tugu Pratama Indonesia Tbk Cyclically Adjusted PS Ratio Chart

PT Asuransi Tugu Pratama Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.88

PT Asuransi Tugu Pratama Indonesia Tbk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.74 0.88 0.90 0.86

FRA:H1M vs BRK.A, AIG, HIG: Cyclically Adjusted PS Ratio Comparison

For the Insurance - Diversified subindustry, PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PT Asuransi Tugu Pratama Indonesia Tbk Cyclically Adjusted PS Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio falls into.


FRA:H1M
86GF Score
PT Asuransi Tugu Pratama Indonesia Tbk FRA:H1M
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Asuransi Tugu Pratama Indonesia Tbk Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=0.0517/0.05
=1.03

* 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.

PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, PT Asuransi Tugu Pratama Indonesia Tbk's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-0.011/333.9520*333.9520
=-0.011

Current CPI (Jun. 2026) = 333.9520.

PT Asuransi Tugu Pratama Indonesia Tbk Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201312 0.000 233.049 0.000
201412 0.000 234.812 0.000
201512 0.000 236.525 0.000
201612 0.000 241.432 0.000
201709 0.015 246.819 0.020
201712 0.020 246.524 0.027
201803 0.012 249.554 0.016
201806 0.010 251.989 0.013
201809 0.007 252.439 0.009
201812 0.025 251.233 0.033
201903 0.013 254.202 0.017
201906 0.014 256.143 0.018
201909 0.019 256.759 0.025
201912 0.020 256.974 0.026
202003 0.016 258.115 0.021
202006 0.011 257.797 0.014
202009 0.013 260.280 0.017
202012 0.014 260.474 0.018
202103 0.015 264.877 0.019
202106 0.014 271.696 0.017
202109 0.015 274.310 0.018
202112 0.018 278.802 0.022
202203 0.014 287.504 0.016
202206 0.020 296.311 0.023
202209 0.020 296.808 0.023
202212 0.019 296.797 0.021
202303 0.017 301.836 0.019
202306 0.020 305.109 0.022
202309 0.021 307.789 0.023
202312 0.019 306.746 0.021
202403 0.030 312.332 0.032
202406 0.091 314.175 0.097
202409 -0.006 315.301 -0.006
202412 -0.034 315.605 -0.036
202503 0.070 319.799 0.073
202506 -0.033 322.561 -0.034
202509 0.072 324.800 0.074
202512 -0.009 324.054 -0.009
202603 0.044 330.213 0.044
202606 -0.011 333.952 -0.011

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

What does a Cyclically Adjusted PS Ratio of 1.03 mean?
PT Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M) has a Cyclically Adjusted PS Ratio of 1.03 as of Sep. 01, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on PT Asuransi Tugu Pratama Indonesia Tbk and its competitors. This is 14% above median its historical median of 0.90. Over the past decade, PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio has ranged from 0.73 to 1.09. According to the industry distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #164 out of 402 companies in the Insurance industry, placing it in the top 40.8%.
Is PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio too high?
PT Asuransi Tugu Pratama Indonesia Tbk's current Cyclically Adjusted PS Ratio of 1.03 is 14% above median its 10-year median of 0.90. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.09. The Insurance industry median Cyclically Adjusted PS Ratio is 1.28. PT Asuransi Tugu Pratama Indonesia Tbk's value of 1.03 is 19.2% below this industry median. Based on the distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #164 out of 402 companies in the Insurance industry, which is above the industry midpoint. Overall, PT Asuransi Tugu Pratama Indonesia Tbk has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Tugu Pratama Indonesia Tbk's Cyclically Adjusted PS Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #164 out of 402 companies for Cyclically Adjusted PS Ratio. This puts PT Asuransi Tugu Pratama Indonesia Tbk in the upper half of its industry. The industry median Cyclically Adjusted PS Ratio is 1.28. PT Asuransi Tugu Pratama Indonesia Tbk's value of 1.03 is 19.2% below this benchmark. Historically, PT Asuransi Tugu Pratama Indonesia Tbk's own Cyclically Adjusted PS Ratio has ranged from 0.73 to 1.09 over the past decade. While the company's 10-year median is 0.90 vs. the industry median of 1.28, PT Asuransi Tugu Pratama Indonesia Tbk has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for an Insurance company?
The median Cyclically Adjusted PS Ratio among Insurance companies is 1.28, based on 402 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Asuransi Tugu Pratama Indonesia Tbk's current Cyclically Adjusted PS Ratio of 1.03 is 19.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on PT Asuransi Tugu Pratama Indonesia Tbk and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Tugu Pratama Indonesia Tbk's current Cyclically Adjusted PS Ratio is 1.03, which is 14% above median its own 10-year median of 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Tugu Pratama Indonesia Tbk stock overvalued right now?
PT Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M) has a current Cyclically Adjusted PS Ratio of 1.03. The stock's GF Value™ is €0.05, compared to a current price of €0.05 — trading 3.4% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 1.03, which is 14% above median its 10-year median of 0.90 and 19.2% below the Insurance industry median of 1.28. PT Asuransi Tugu Pratama Indonesia Tbk's overall GF Score™ is 86/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For PT Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M), the current Cyclically Adjusted PS Ratio is 1.03 as of Sep. 01, 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 Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M) Overvalued in 2026?

Based on GuruFocus' analysis, PT Asuransi Tugu Pratama Indonesia Tbk stock appears to be overvalued. The current stock price of €0.05 is trading 3.4% above its estimated GF Value™ of €0.05.

Key valuation signals for FRA:H1M:

  • Cyclically Adjusted PS Ratio: 1.03 (14% above median its 10-year median of 0.90)
  • GF Value™: €0.05 vs. price of €0.05 (3.4% above fair value)
  • GF Score™: 86/100 with 5 warning signs
  • Industry Position: 19.2% below the Insurance median (#164 of 402)

No single metric tells the full story. See the FRA:H1M stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Asuransi Tugu Pratama Indonesia Tbk Business Description

Other Exchanges TUGU:Indonesia
Address Jalan H.R. Rasuna Said Kav C 8-9, Gedung Wisma Tugu I, South Jakarta, Jakarta, IDN, 12920
PT Asuransi Tugu Pratama Indonesia Tbk is an insurance company. It has four business segments namely General insurance; Reinsurance; Rental and related business; and Others. Geographically, it derives the majority of its revenue from Indonesia. Its products include Fire and Property, Health, Personal, Aviation, Marine Hull, Cargo and Protection and Indemnity, Engineering, and other Miscellaneous insurance.
86GF Score

Get the complete analysis for FRA:H1M

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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