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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
ISX:APIC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.52 Max: 0.72
Current: 0.53
During the past 13 years, the highest Debt-to-Equity Ratio of PT Pacific Strategic Financial Tbk was 0.72. The lowest was 0.12. And the median was 0.52.
ISX:APIC's Debt-to-Equity is ranked worse than 79.9% of 403
companies
in the Insurance industry
Industry Median: 0.21
vs ISX:APIC: 0.53
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
PT Pacific Strategic Financial Tbk Debt-to-Equity Related Terms
PT Pacific Strategic Financial Tbk Debt-to-Equity 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:APIC vs AFL, MET, PRU: Debt-to-Equity Comparison
For the Insurance - Life subindustry, PT Pacific Strategic Financial Tbk's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Pacific Strategic Financial Tbk Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Pacific Strategic Financial Tbk's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PT Pacific Strategic Financial Tbk's Debt-to-Equity 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.
PT Pacific Strategic Financial Tbk (ISX:APIC) has a Debt-to-Equity of 0.53 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Pacific Strategic Financial Tbk and its competitors. This is near median its historical median of 0.52. Over the past decade, PT Pacific Strategic Financial Tbk's Debt-to-Equity has ranged from 0.12 to 0.72. According to the industry distribution chart, PT Pacific Strategic Financial Tbk ranks #322 out of 403 companies in the Insurance industry, placing it in the top 79.9%.
Is PT Pacific Strategic Financial Tbk's Debt-to-Equity too high?
PT Pacific Strategic Financial Tbk's current Debt-to-Equity of 0.53 is near median its 10-year median of 0.52. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.72. The Insurance industry median Debt-to-Equity is 0.21. PT Pacific Strategic Financial Tbk's value of 0.53 is 152.4% above this industry median. Based on the distribution chart, PT Pacific Strategic Financial Tbk ranks #322 out of 403 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PT Pacific Strategic Financial Tbk has a GF Score™ of 54/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Pacific Strategic Financial Tbk's Debt-to-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, PT Pacific Strategic Financial Tbk ranks #322 out of 403 companies for Debt-to-Equity. This places PT Pacific Strategic Financial Tbk in the lower half of its industry. The industry median Debt-to-Equity is 0.21. PT Pacific Strategic Financial Tbk's value of 0.53 is 152.4% above this benchmark. Historically, PT Pacific Strategic Financial Tbk's own Debt-to-Equity has ranged from 0.12 to 0.72 over the past decade. While the company's 10-year median is 0.52 vs. the industry median of 0.21, PT Pacific Strategic Financial 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Pacific Strategic Financial Tbk's current Debt-to-Equity of 0.53 is 152.4% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PT Pacific Strategic Financial Tbk and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Pacific Strategic Financial Tbk's current Debt-to-Equity is 0.53, which is near median its own 10-year median of 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Pacific Strategic Financial Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Pacific Strategic Financial Tbk (ISX:APIC) is currently considered Possible Value Trap. The stock's GF Value™ is Rp1,065.59, compared to a current price of Rp560.00 — trading 47.4% below its estimated fair value. The current Debt-to-Equity is 0.53, which is near median its 10-year median of 0.52 and 152.4% above the Insurance industry median of 0.21. PT Pacific Strategic Financial Tbk's overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For PT Pacific Strategic Financial Tbk (ISX:APIC), the current Debt-to-Equity is 0.53 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 Pacific Strategic Financial Tbk (ISX:APIC) Overvalued in 2026?
Based on GuruFocus' analysis, PT Pacific Strategic Financial Tbk stock appears to be undervalued.
The current stock price of Rp560.00 is trading 47.4% below its estimated GF Value™ of Rp1,065.59.
GuruFocus considers PT Pacific Strategic Financial Tbk to be Possible Value Trap.
Key valuation signals for ISX:APIC:
Debt-to-Equity: 0.53 (near median its 10-year median of 0.52)
GF Value™: Rp1,065.59 vs. price of Rp560.00 (47.4% below fair value)
Industry Position: 152.4% above the Insurance median (#322 of 403)
No single metric tells the full story. See the ISX:APIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Pacific Strategic Financial Tbk is an Indonesian company that carries out activities as an investment company and engages in capital investment through its subsidiaries. It runs its business in the field of investment on securities trading, investment managers, and financial management, as well as other financing institutions. The services provided by the company through its subsidiaries include investment management services for mutual funds and other investments; financial management services, as well as venture capital and consumer financing, and conventional and sharia life insurance services.
54GF Score
Get the complete analysis for ISX:APIC
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