Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. PT Pacific Strategic Financial Tbk's
Operating Income
for the
three
months ended in Mar. 2026 was Rp122,675 Mil. PT Pacific Strategic Financial Tbk's Interest Expense for the
three
months ended in Mar. 2026 was Rp-79,013 Mil.
PT Pacific Strategic Financial Tbk's interest coverage for the quarter that ended in Mar. 2026 was 1.55.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for PT Pacific Strategic Financial Tbk's Interest Coverage or its related term are showing as below:
ISX:APIC'
s Interest Coverage Range Over the Past 10 Years
Min: 0.55 Med: 1.39 Max: 5.57
Current: 0.95
ISX:APIC's Interest Coverage is ranked worse than 97.72% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs ISX:APIC: 0.95
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
PT Pacific Strategic Financial Tbk Interest Coverage Related Terms
PT Pacific Strategic Financial Tbk Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ISX:APIC vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, PT Pacific Strategic Financial Tbk's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Pacific Strategic Financial Tbk's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PT Pacific Strategic Financial Tbk's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 1.55 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Pacific Strategic Financial Tbk and its competitors. This is 12% above median its historical median of 1.39. Over the past decade, PT Pacific Strategic Financial Tbk's Interest Coverage has ranged from 0.55 to 5.57. According to the industry distribution chart, PT Pacific Strategic Financial Tbk ranks #343 out of 351 companies in the Insurance industry, placing it in the top 97.7%.
Is PT Pacific Strategic Financial Tbk's Interest Coverage too high?
PT Pacific Strategic Financial Tbk's current Interest Coverage of 1.55 is 12% above median its 10-year median of 1.39. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 5.57. The Insurance industry median Interest Coverage is 16.23. PT Pacific Strategic Financial Tbk's value of 1.55 is 90.4% below this industry median. Based on the distribution chart, PT Pacific Strategic Financial Tbk ranks #343 out of 351 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 Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, PT Pacific Strategic Financial Tbk ranks #343 out of 351 companies for Interest Coverage. This places PT Pacific Strategic Financial Tbk in the lower half of its industry. The industry median Interest Coverage is 16.23. PT Pacific Strategic Financial Tbk's value of 1.55 is 90.4% below this benchmark. Historically, PT Pacific Strategic Financial Tbk's own Interest Coverage has ranged from 0.55 to 5.57 over the past decade. While the company's 10-year median is 1.39 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Pacific Strategic Financial Tbk's current Interest Coverage of 1.55 is 90.4% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Pacific Strategic Financial Tbk and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Pacific Strategic Financial Tbk's current Interest Coverage is 1.55, which is 12% above median its own 10-year median of 1.39. 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 Interest Coverage is 1.55, which is 12% above median its 10-year median of 1.39 and 90.4% below the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For PT Pacific Strategic Financial Tbk (ISX:APIC), the current Interest Coverage is 1.55 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:
Interest Coverage: 1.55 (12% above median its 10-year median of 1.39)
GF Value™: Rp1,070.85 vs. price of Rp640.00 (40.2% below fair value)
Industry Position: 90.4% below the Insurance median (#343 of 351)
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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