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Degree of Operating Leverage (DOL) measures the percentage change in EBIT for a unit change in Revenue.
Indara Insurance PCL's Degree of Operating Leverage for the quarter that ended in Jun. 2026 was 120.05. The higher Degree of Operating Leverage, the higher operating risk the company will take.
The industry rank for Indara Insurance PCL's Degree of Operating Leverage or its related term are showing as below:
BKK:INSURE-R's Degree of Operating Leverage is ranked worse than 98.88% of 357
companies
in the Insurance industry
Industry Median: 1.07
vs BKK:INSURE-R: 120.05
Indara Insurance PCL (BKK:INSURE-R) Degree of Operating Leverage Explanation
Degree of Operating Leverage (DOL) is a leverage ratio that measures the sensitivity of a company’s operting income, also referred to as Earnings Before Interest and Taxes (EBIT), to fluctuations in its Revenue. DOL is a method used to quantify a company’s operating risk. This risk is related to the company's structure of variable costs and fixed costs. Since the fixed costs do not allow the company to adjust the operating costs, the operating risk rises with a higher fixed-to-variable costs proportion.
A high Degree of Operating Leverage indicates that the company’s fixed costs exceed its variable costs. By increasing the sales, the company can earn more profits. In addition, the company must be able to maintain relatively high sales to cover all fixed costs.
Be Aware
The use of operating leverage varies across different industries and business sectors, and the application of Degree of Operating Leverage (DOL) should be adjusted accordingly.
Indara Insurance PCL Degree of Operating Leverage Related Terms
Indara Insurance PCL Degree of Operating Leverage Historical Data
* Premium members only.
The historical data trend for Indara Insurance PCL's Degree of Operating Leverage 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.
Indara Insurance PCL Degree of Operating Leverage Chart
BKK:INSURE-R vs CB, PGR, TRV: Degree of Operating Leverage Comparison
For the Insurance - Property & Casualty subindustry, Indara Insurance PCL's Degree of Operating Leverage, along with its competitors' market caps and Degree of Operating Leverage 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.
Indara Insurance PCL Degree of Operating Leverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Indara Insurance PCL's Degree of Operating Leverage distribution charts can be found below:
* The bar in red indicates where Indara Insurance PCL's Degree of Operating Leverage 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.
** TTM data of EBIT and Revenue was used to calculate Degree of Operating Leverage.
*** Please be aware that the Degree of Operating Leverage calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
What does a Degree of Operating Leverage of 120.05 mean?
Indara Insurance PCL (BKK:INSURE-R) has a Degree of Operating Leverage of 120.05 as of Jun. 2026. Degree of Operating Leverage (DOL) measures the percentage change in EBIT for a unit change in Revenue. View historical data for Indara Insurance PCL and its competitors. According to the industry distribution chart, Indara Insurance PCL ranks #353 out of 357 companies in the Insurance industry, placing it in the top 98.9%.
Is Indara Insurance PCL's Degree of Operating Leverage too high?
Indara Insurance PCL's current Degree of Operating Leverage is 120.05. The Insurance industry median Degree of Operating Leverage is 1.07. Indara Insurance PCL's value of 120.05 is 11119.6% above this industry median. Based on the distribution chart, Indara Insurance PCL ranks #353 out of 357 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Indara Insurance PCL has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Indara Insurance PCL's Degree of Operating Leverage compare to CB and PGR?
According to the Insurance industry distribution chart, Indara Insurance PCL ranks #353 out of 357 companies for Degree of Operating Leverage. This places Indara Insurance PCL in the lower half of its industry. The industry median Degree of Operating Leverage is 1.07. Indara Insurance PCL's value of 120.05 is 11119.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Degree of Operating Leverage for an Insurance company?
The median Degree of Operating Leverage among Insurance companies is 1.07, based on 357 companies in the industry. Companies in the top quartile (top 25%) have a Degree of Operating Leverage significantly above this median, while those in the bottom quartile fall well below. However, Degree of Operating Leverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Indara Insurance PCL's current Degree of Operating Leverage of 120.05 is 11119.6% 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 Degree of Operating Leverage mean?
A high Degree of Operating Leverage can signal that a stock is expensive relative to its fundamentals. Degree of Operating Leverage (DOL) measures the percentage change in EBIT for a unit change in Revenue. View historical data for Indara Insurance PCL and its competitors. For the Insurance industry, the median Degree of Operating Leverage is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indara Insurance PCL's current Degree of Operating Leverage is 120.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indara Insurance PCL stock overvalued right now?
Indara Insurance PCL (BKK:INSURE-R) has a current Degree of Operating Leverage of 120.05. The stock's GF Value™ is ฿126.46, compared to a current price of ฿48.25 — trading 61.8% below its estimated fair value. The current Degree of Operating Leverage is 120.05 and 11119.6% above the Insurance industry median of 1.07. Indara Insurance PCL's overall GF Score™ is 53/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Degree of Operating Leverage calculated?
Degree of Operating Leverage is calculated from a company's financial statements. For Indara Insurance PCL (BKK:INSURE-R), the current Degree of Operating Leverage is 120.05 as of Jun. 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 Indara Insurance PCL (BKK:INSURE-R) Overvalued in 2026?
Based on GuruFocus' analysis, Indara Insurance PCL stock appears to be undervalued.
The current stock price of ฿48.25 is trading 61.8% below its estimated GF Value™ of ฿126.46.
Key valuation signals for BKK:INSURE-R:
Degree of Operating Leverage: 120.05
GF Value™: ฿126.46 vs. price of ฿48.25 (61.8% below fair value)
Industry Position: 11119.6% above the Insurance median (#353 of 357)
No single metric tells the full story. See the BKK:INSURE-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Indara Insurance PCL is a Thailand-based company engaged in the provision of non-life insurance. The company operates in business segments: Motor and Others such as Property, Marine and transportation, Accident and health and Miscellaneous insurance. Majority of revenue is from Motor. The company operates mainly in Thailand. Its Individual Insurance involves Car insurance, Accident and health insurance, Travel insurance, and Home insurance. Its Business Insurance includes: Engineering Insurance, Cargo and hull insurance, Property insurance, and Other insurance.
53GF Score
Get the complete analysis for BKK:INSURE-R
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