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PT Sinar Mas Multiartha TbkISX:SMMA 61 Debt-to-EBITDA is 2.76 as of Mar. 2026, which is 16% above its 10-year median of 2.38. GuruFocus rates ISX:SMMA with a GF Score™ of 61/100 and a GF Value™ of Rp15,956.58 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 319 Insurance companies, PT Sinar Mas Multiartha Tbk ranks worse than 69.91% 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 Sinar Mas Multiartha Tbk's Debt-to-EBITDA or its related term are showing as below:
ISX:SMMA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.86 Med: 2.38 Max: 3.63
Current: 2.09
During the past 13 years, the highest Debt-to-EBITDA Ratio of PT Sinar Mas Multiartha Tbk was 3.63. The lowest was 0.86. And the median was 2.38.
ISX:SMMA's Debt-to-EBITDA is ranked worse than 69.91% of 319
companies
in the Insurance industry
Industry Median: 1.26
vs ISX:SMMA: 2.09
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 Sinar Mas Multiartha Tbk Debt-to-EBITDA Related Terms
PT Sinar Mas Multiartha 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:SMMA vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, PT Sinar Mas Multiartha 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 Sinar Mas Multiartha Tbk Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Sinar Mas Multiartha Tbk's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PT Sinar Mas Multiartha 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 (Mar. 2026) EBITDA data.
PT Sinar Mas Multiartha Tbk (ISX:SMMA) has a Debt-to-EBITDA of 2.76 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PT Sinar Mas Multiartha Tbk. This is 16% above median its historical median of 2.38. Over the past decade, PT Sinar Mas Multiartha Tbk's Debt-to-EBITDA has ranged from 0.86 to 3.63. According to the industry distribution chart, PT Sinar Mas Multiartha Tbk ranks #223 out of 319 companies in the Insurance industry, placing it in the top 69.9%.
Is PT Sinar Mas Multiartha Tbk's Debt-to-EBITDA too high?
PT Sinar Mas Multiartha Tbk's current Debt-to-EBITDA of 2.76 is 16% above median its 10-year median of 2.38. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 3.63. The Insurance industry median Debt-to-EBITDA is 1.26. PT Sinar Mas Multiartha Tbk's value of 2.76 is 119% above this industry median. Based on the distribution chart, PT Sinar Mas Multiartha Tbk ranks #223 out of 319 companies in the Insurance industry, which is below the industry midpoint. 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 Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, PT Sinar Mas Multiartha Tbk ranks #223 out of 319 companies for Debt-to-EBITDA. This places PT Sinar Mas Multiartha Tbk in the lower half of its industry. The industry median Debt-to-EBITDA is 1.26. PT Sinar Mas Multiartha Tbk's value of 2.76 is 119% above this benchmark. Historically, PT Sinar Mas Multiartha Tbk's own Debt-to-EBITDA has ranged from 0.86 to 3.63 over the past decade. While the company's 10-year median is 2.38 vs. the industry median of 1.26, PT Sinar Mas Multiartha 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 1.26, based on 319 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 Sinar Mas Multiartha Tbk's current Debt-to-EBITDA of 2.76 is 119% 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 Sinar Mas Multiartha Tbk. For the Insurance industry, the median Debt-to-EBITDA is 1.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Sinar Mas Multiartha Tbk's current Debt-to-EBITDA is 2.76, which is 16% above median its own 10-year median of 2.38. 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 Rp15,956.58, compared to a current price of Rp20,175.00 — trading 26.4% above its estimated fair value. The current Debt-to-EBITDA is 2.76, which is 16% above median its 10-year median of 2.38 and 119% above the Insurance industry median of 1.26. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For PT Sinar Mas Multiartha Tbk (ISX:SMMA), the current Debt-to-EBITDA is 2.76 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 26.4% above its estimated GF Value™ of Rp15,956.58.
GuruFocus considers PT Sinar Mas Multiartha Tbk to be Modestly Overvalued.
Key valuation signals for ISX:SMMA:
Debt-to-EBITDA: 2.76 (16% above median its 10-year median of 2.38)
GF Value™: Rp15,956.58 vs. price of Rp20,175.00 (26.4% above fair value)
Industry Position: 119% above the Insurance median (#223 of 319)
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
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