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PT Bhakti Multi Artha TbkISX:BHAT 63 Debt-to-EBITDA is 8.17 as of Sep. 2025, which is 22% below its 10-year median of 10.53. GuruFocus rates ISX:BHAT with a GF Score™ of 63/100 and a GF Value™ of Rp303.21 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 320 Insurance companies, PT Bhakti Multi Artha Tbk ranks worse than 97.5% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for PT Bhakti Multi Artha Tbk's Debt-to-EBITDA or its related term are showing as below:
ISX:BHAT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.11 Med: 10.53 Max: 14.15
Current: 11.55
During the past 6 years, the highest Debt-to-EBITDA Ratio of PT Bhakti Multi Artha Tbk was 14.15. The lowest was 0.11. And the median was 10.53.
ISX:BHAT's Debt-to-EBITDA is ranked worse than 97.5% of 320
companies
in the Insurance industry
Industry Median: 1.235
vs ISX:BHAT: 11.55
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
PT Bhakti Multi Artha Tbk Debt-to-EBITDA Related Terms
PT Bhakti Multi Artha Tbk Debt-to-EBITDA Historical Data
* 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.
ISX:BHAT vs AFL, MET, PRU: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, PT Bhakti Multi Artha Tbk's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Bhakti Multi Artha Tbk Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Bhakti Multi Artha Tbk's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PT Bhakti Multi Artha Tbk's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Sep. 2025) EBITDA data.
PT Bhakti Multi Artha Tbk (ISX:BHAT) has a Debt-to-EBITDA of 8.17 as of Sep. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PT Bhakti Multi Artha Tbk. This is 22% below median its historical median of 10.53. Over the past decade, PT Bhakti Multi Artha Tbk's Debt-to-EBITDA has ranged from 0.11 to 14.15. According to the industry distribution chart, PT Bhakti Multi Artha Tbk ranks #312 out of 320 companies in the Insurance industry, placing it in the top 97.5%.
Is PT Bhakti Multi Artha Tbk's Debt-to-EBITDA too high?
PT Bhakti Multi Artha Tbk's current Debt-to-EBITDA of 8.17 is 22% below median its 10-year median of 10.53. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 14.15. The Insurance industry median Debt-to-EBITDA is 1.24. PT Bhakti Multi Artha Tbk's value of 8.17 is 561.5% above this industry median. Based on the distribution chart, PT Bhakti Multi Artha Tbk ranks #312 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PT Bhakti Multi Artha Tbk has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bhakti Multi Artha Tbk's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, PT Bhakti Multi Artha Tbk ranks #312 out of 320 companies for Debt-to-EBITDA. This places PT Bhakti Multi Artha Tbk in the lower half of its industry. The industry median Debt-to-EBITDA is 1.24. PT Bhakti Multi Artha Tbk's value of 8.17 is 561.5% above this benchmark. Historically, PT Bhakti Multi Artha Tbk's own Debt-to-EBITDA has ranged from 0.11 to 14.15 over the past decade. While the company's 10-year median is 10.53 vs. the industry median of 1.24, PT Bhakti Multi Artha Tbk has consistently been above 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.24, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bhakti Multi Artha Tbk's current Debt-to-EBITDA of 8.17 is 561.5% above 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PT Bhakti Multi Artha Tbk. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bhakti Multi Artha Tbk's current Debt-to-EBITDA is 8.17, which is 22% below median its own 10-year median of 10.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bhakti Multi Artha Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bhakti Multi Artha Tbk (ISX:BHAT) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp303.21, compared to a current price of Rp1,770.00 — trading 483.8% above its estimated fair value. The current Debt-to-EBITDA is 8.17, which is 22% below median its 10-year median of 10.53 and 561.5% above the Insurance industry median of 1.24. PT Bhakti Multi Artha Tbk's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For PT Bhakti Multi Artha Tbk (ISX:BHAT), the current Debt-to-EBITDA is 8.17 as of Sep. 2025. 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 Bhakti Multi Artha Tbk (ISX:BHAT) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bhakti Multi Artha Tbk stock appears to be overvalued.
The current stock price of Rp1,770.00 is trading 483.8% above its estimated GF Value™ of Rp303.21.
GuruFocus considers PT Bhakti Multi Artha Tbk to be Significantly Overvalued.
Key valuation signals for ISX:BHAT:
Debt-to-EBITDA: 8.17 (22% below median its 10-year median of 10.53)
GF Value™: Rp303.21 vs. price of Rp1,770.00 (483.8% above fair value)
Industry Position: 561.5% above the Insurance median (#312 of 320)
No single metric tells the full story. See the ISX:BHAT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bhakti Multi Artha Tbk is an investment holding company. The Company's business sector is in the management consulting services field and holding companies. The company's segment includes Life insurance and Others. It generates maximum revenue from the Life insurance segment.
63GF Score
Get the complete analysis for ISX:BHAT
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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