Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
PT Pacific Strategic Financial Tbk had a gross margin of 16.66% for the quarter that ended in Mar. 2026 => No sustainable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
PT Pacific Strategic Financial Tbk Gross Margin % Related Terms
PT Pacific Strategic Financial Tbk Gross Margin % 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: Gross Margin % Comparison
For the Insurance - Life subindustry, PT Pacific Strategic Financial Tbk's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Pacific Strategic Financial Tbk's Gross Margin % distribution charts can be found below:
* The bar in red indicates where PT Pacific Strategic Financial Tbk's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
PT Pacific Strategic Financial Tbk (ISX:APIC) has a Gross Margin % of 16.66% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on PT Pacific Strategic Financial Tbk and its competitors. This is 38% above median its historical median of 12.05. Over the past decade, PT Pacific Strategic Financial Tbk's Gross Margin % has ranged from 6.84 to 85.46. According to the industry distribution chart, PT Pacific Strategic Financial Tbk ranks #52 out of 60 companies in the Insurance industry, placing it in the top 86.7%.
Is PT Pacific Strategic Financial Tbk's Gross Margin % too high?
PT Pacific Strategic Financial Tbk's current Gross Margin % of 16.66% is 38% above median its 10-year median of 12.05. Over the past 10 years, this metric has ranged from a low of 6.84 to a high of 85.46. The Insurance industry median Gross Margin % is 42.38. PT Pacific Strategic Financial Tbk's value of 16.66% is 60.7% below this industry median. Based on the distribution chart, PT Pacific Strategic Financial Tbk ranks #52 out of 60 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 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Pacific Strategic Financial Tbk's Gross Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, PT Pacific Strategic Financial Tbk ranks #52 out of 60 companies for Gross Margin %. This places PT Pacific Strategic Financial Tbk in the lower half of its industry. The industry median Gross Margin % is 42.38. PT Pacific Strategic Financial Tbk's value of 16.66% is 60.7% below this benchmark. Historically, PT Pacific Strategic Financial Tbk's own Gross Margin % has ranged from 6.84 to 85.46 over the past decade. While the company's 10-year median is 12.05 vs. the industry median of 42.38, PT Pacific Strategic Financial Tbk has consistently been below 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 Gross Margin % for an Insurance company?
The median Gross Margin % among Insurance companies is 42.38, based on 60 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Pacific Strategic Financial Tbk's current Gross Margin % of 16.66% is 60.7% below 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on PT Pacific Strategic Financial Tbk and its competitors. For the Insurance industry, the median Gross Margin % is 42.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Pacific Strategic Financial Tbk's current Gross Margin % is 16.66%, which is 38% above median its own 10-year median of 12.05. 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 Rp1,070.85, compared to a current price of Rp640.00 — trading 40.2% below its estimated fair value. The current Gross Margin % is 16.66%, which is 38% above median its 10-year median of 12.05 and 60.7% below the Insurance industry median of 42.38. PT Pacific Strategic Financial Tbk's overall GF Score™ is 53/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For PT Pacific Strategic Financial Tbk (ISX:APIC), the current Gross Margin % is 16.66% 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 Rp640.00 is trading 40.2% below its estimated GF Value™ of Rp1,070.85.
GuruFocus considers PT Pacific Strategic Financial Tbk to be Possible Value Trap.
Key valuation signals for ISX:APIC:
Gross Margin %: 16.66% (38% above median its 10-year median of 12.05)
GF Value™: Rp1,070.85 vs. price of Rp640.00 (40.2% below fair value)
Industry Position: 60.7% below the Insurance median (#52 of 60)
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 Business Description
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.
53GF Score
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