PT Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU) E10: Rp-8,375.47 (As of Mar. 2026)

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ISX:TUGU PT Asuransi Tugu Pratama Indonesia Tbk ISX:TUGU
83 GF Score
Price Rp1,240.00
GF Value Rp1,025.73
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is PT Asuransi Tugu Pratama Indonesia Tbk E10?

PT Asuransi Tugu Pratama Indonesia Tbk ISX:TUGU -0.40% 83 E10 is Rp-8,375.47 as of Mar. 2026. GuruFocus rates ISX:TUGU with a GF Score™ of 83/100 and a GF Value™ of Rp1,025.73 (Modestly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

PT Asuransi Tugu Pratama Indonesia Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was Rp75.000. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp-8,375.47 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-17), PT Asuransi Tugu Pratama Indonesia Tbk's current stock price is Rp1240.00. PT Asuransi Tugu Pratama Indonesia Tbk's E10 for the quarter that ended in Mar. 2026 was Rp-8,375.47. PT Asuransi Tugu Pratama Indonesia Tbk's Shiller PE Ratio of today is .


PT Asuransi Tugu Pratama Indonesia Tbk  (ISX:TUGU) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


PT Asuransi Tugu Pratama Indonesia Tbk E10 Related Terms


PT Asuransi Tugu Pratama Indonesia Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Asuransi Tugu Pratama Indonesia Tbk's E10 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 E10 Chart

PT Asuransi Tugu Pratama Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 -8,550.51

PT Asuransi Tugu Pratama Indonesia Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.00 -8,718.96 -8,550.51 -8,375.47

ISX:TUGU vs BRK.A, AIG, HIG: E10 Comparison

For the Insurance - Diversified subindustry, PT Asuransi Tugu Pratama Indonesia Tbk's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where PT Asuransi Tugu Pratama Indonesia Tbk's Shiller PE Ratio falls into.


ISX:TUGU
83GF Score
PT Asuransi Tugu Pratama Indonesia Tbk ISX:TUGU
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Asuransi Tugu Pratama Indonesia Tbk E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

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

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=75/136.5387*136.5387
=75.000

Current CPI (Mar. 2026) = 136.5387.

PT Asuransi Tugu Pratama Indonesia Tbk Quarterly Data

per share eps CPI Adj_EPS
201212 0.000 84.658 0.000
201312 0.000 91.196 0.000
201412 0.000 98.819 0.000
201512 0.000 102.133 0.000
201612 0.000 105.222 0.000
201709 -59,751.242 108.020 -75,526.076
201712 57.207 109.017 71.649
201803 46.768 110.097 58.000
201806 -41.468 111.085 -50.970
201809 24.000 111.135 29.486
201812 40.774 112.430 49.517
201903 33.000 112.829 39.935
201906 27.750 114.730 33.025
201909 19.660 114.905 23.362
201912 48.590 115.486 57.448
202003 44.920 116.252 52.759
202006 -17.760 116.630 -20.792
202009 37.295 116.397 43.749
202012 10.045 117.318 11.691
202103 37.000 117.840 42.871
202106 3.405 118.184 3.934
202109 21.840 118.262 25.215
202112 26.755 119.516 30.566
202203 18.000 120.948 20.320
202206 36.000 123.322 39.858
202209 12.000 125.298 13.076
202212 31.500 126.098 34.108
202303 1,038.000 126.953 1,116.380
202306 31.107 127.663 33.270
202309 25.000 128.151 26.636
202312 55.574 129.395 58.642
202403 99.601 130.607 104.125
202406 72.922 130.792 76.126
202409 63.000 130.361 65.986
202412 -123.433 131.432 -128.229
202503 102.000 131.948 105.548
202506 -1.881 133.241 -1.928
202509 66.000 133.819 67.341
202512 32.692 135.271 32.998
202603 75.000 136.539 75.000

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of Rp-8,375.47 mean?
PT Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU) has a E10 of Rp-8,375.47 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Asuransi Tugu Pratama Indonesia Tbk and its competitors.
Is PT Asuransi Tugu Pratama Indonesia Tbk's E10 too high?
PT Asuransi Tugu Pratama Indonesia Tbk's current E10 is Rp-8,375.47. Overall, PT Asuransi Tugu Pratama Indonesia Tbk has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Tugu Pratama Indonesia Tbk's E10 compare to BRK.A and AIG?
PT Asuransi Tugu Pratama Indonesia Tbk's E10 of Rp-8,375.47 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PT Asuransi Tugu Pratama Indonesia Tbk and its competitors. PT Asuransi Tugu Pratama Indonesia Tbk's current E10 is Rp-8,375.47. 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?
Based on GuruFocus' analysis, PT Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp1,025.73, compared to a current price of Rp1,240.00 — trading 20.9% above its estimated fair value. The current E10 is Rp-8,375.47. PT Asuransi Tugu Pratama Indonesia Tbk's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For PT Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU), the current E10 is Rp-8,375.47 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 Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU) Overvalued in 2026?

Based on GuruFocus' analysis, PT Asuransi Tugu Pratama Indonesia Tbk stock appears to be overvalued. The current stock price of Rp1,240.00 is trading 20.9% above its estimated GF Value™ of Rp1,025.73. GuruFocus considers PT Asuransi Tugu Pratama Indonesia Tbk to be Modestly Overvalued.

Key valuation signals for ISX:TUGU:

  • E10: Rp-8,375.47
  • GF Value™: Rp1,025.73 vs. price of Rp1,240.00 (20.9% above fair value)
  • GF Score™: 83/100 with 3 warning signs

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


PT Asuransi Tugu Pratama Indonesia Tbk Business Description

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.
83GF Score

Get the complete analysis for ISX:TUGU

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp1,240.00
Price
Rp1,025.73
GF Value