PT Asuransi Dayin Mitra Tbk (ISX:ASDM) Effective Interest Rate on Debt %: 9.19% (As of Mar. 2026)


ISX:ASDM PT Asuransi Dayin Mitra Tbk ISX:ASDM
59 GF Score
Price Rp515.00
GF Value Rp621.83
Valuation Modestly Undervalued
! 3 Warning Signs
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What is PT Asuransi Dayin Mitra Tbk Effective Interest Rate on Debt %?

PT Asuransi Dayin Mitra Tbk ISX:ASDM -0.96% 59 Effective Interest Rate on Debt % is 9.19% as of Mar. 2026. GuruFocus rates ISX:ASDM with a GF Score™ of 59/100 and a GF Value™ of Rp621.83 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. PT Asuransi Dayin Mitra Tbk's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was Rp511 Mil. PT Asuransi Dayin Mitra Tbk's average total debt for the quarter that ended in Mar. 2026 was Rp5,563 Mil. Therefore, PT Asuransi Dayin Mitra Tbk's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 9.19%.


PT Asuransi Dayin Mitra Tbk  (ISX:ASDM) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


PT Asuransi Dayin Mitra Tbk Effective Interest Rate on Debt % Related Terms


PT Asuransi Dayin Mitra Tbk Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for PT Asuransi Dayin Mitra Tbk's Effective Interest Rate on Debt % 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 Dayin Mitra Tbk Effective Interest Rate on Debt % Chart

PT Asuransi Dayin Mitra Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 248.93 160.59 174.25 0.00 0.00

PT Asuransi Dayin Mitra Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % 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 0.33 223.83 220.88 0.00 9.19

ISX:ASDM vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, PT Asuransi Dayin Mitra Tbk's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Dayin Mitra Tbk Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, PT Asuransi Dayin Mitra Tbk's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where PT Asuransi Dayin Mitra Tbk's Effective Interest Rate on Debt % falls into.


ISX:ASDM
59GF Score
PT Asuransi Dayin Mitra Tbk ISX:ASDM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Asuransi Dayin Mitra Tbk Effective Interest Rate on Debt % Calculation

PT Asuransi Dayin Mitra Tbk's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  0/( (8871.694+5920.918)/ 2 )
=-1  *  0/7396.306
=0.00 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8871.694 + 0
=8871.694

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5920.918 + 0
=5920.918

PT Asuransi Dayin Mitra Tbk's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -511.384/( (5920.918+5204.839)/ 2 )
=-1  *  -511.384/5562.8785
=9.19 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5920.918 + 0
=5920.918

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5204.839 + 0
=5204.839

* 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 9.19% mean?
PT Asuransi Dayin Mitra Tbk (ISX:ASDM) has a Effective Interest Rate on Debt % of 9.19% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT Asuransi Dayin Mitra Tbk and its competitors.
Is PT Asuransi Dayin Mitra Tbk's Effective Interest Rate on Debt % too high?
PT Asuransi Dayin Mitra Tbk's current Effective Interest Rate on Debt % is 9.19%. Overall, PT Asuransi Dayin Mitra Tbk has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Dayin Mitra Tbk's Effective Interest Rate on Debt % compare to BRK.A and AIG?
PT Asuransi Dayin Mitra Tbk's Effective Interest Rate on Debt % of 9.19% 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 Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT Asuransi Dayin Mitra Tbk and its competitors. PT Asuransi Dayin Mitra Tbk's current Effective Interest Rate on Debt % is 9.19%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Dayin Mitra Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Dayin Mitra Tbk (ISX:ASDM) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp621.83, compared to a current price of Rp515.00 — trading 17.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 9.19%. PT Asuransi Dayin Mitra Tbk's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For PT Asuransi Dayin Mitra Tbk (ISX:ASDM), the current Effective Interest Rate on Debt % is 9.19% 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 Dayin Mitra Tbk (ISX:ASDM) Overvalued in 2026?

Based on GuruFocus' analysis, PT Asuransi Dayin Mitra Tbk stock appears to be undervalued. The current stock price of Rp515.00 is trading 17.2% below its estimated GF Value™ of Rp621.83. GuruFocus considers PT Asuransi Dayin Mitra Tbk to be Modestly Undervalued.

Key valuation signals for ISX:ASDM:

  • Effective Interest Rate on Debt %: 9.19%
  • GF Value™: Rp621.83 vs. price of Rp515.00 (17.2% below fair value)
  • GF Score™: 59/100 with 3 warning signs

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


PT Asuransi Dayin Mitra Tbk Business Description

Address Jalan Hayam Wuruk No. 8, RT.6/RW.2, Wisma Hayam Wuruk, 7th Floor, Kebon Kelapa, Gambir, Kb. Klp., Kecamatan Gambir, Central Jakarta City, DKI Jakarta, Jakarta, IDN, 10120
PT Asuransi Dayin Mitra Tbk is a general insurance services provider in Indonesia. The company offers insurance coverage for fire, motor vehicles, money, cargo, engineering, personal accident insurance, and various other products. Its operating segments are: Fire, Marine hull, Motor Vehicle, Accident, and others. Maximum revenue for the company comes from the Fire insurance segment. Geographically, the company derives maximum revenue from its business in the Java Island region, and the rest from outside Java Island.
59GF Score

Get the complete analysis for ISX:ASDM

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp515.00
Price
Rp621.83
GF Value