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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
EBIT
by its Interest Expense. PT Asuransi Ramayana Tbk's
EBIT
for the
three
months ended in Mar. 2026 was Rp11,923 Mil. PT Asuransi Ramayana Tbk's Interest Expense for the
three
months ended in Mar. 2026 was Rp-137 Mil.
PT Asuransi Ramayana Tbk's interest coverage for the quarter that ended in Mar. 2026 was 87.09.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for PT Asuransi Ramayana Tbk's Interest Coverage or its related term are showing as below:
ISX:ASRM'
s Interest Coverage Range Over the Past 10 Years
Min: 3.35 Med: 42.19 Max: 87.09
Current: 87.09
ISX:ASRM's Interest Coverage is ranked better than 78.69% of 352
companies
in the Insurance industry
Industry Median: 16.145
vs ISX:ASRM: 87.09
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 Asuransi Ramayana Tbk Interest Coverage Related Terms
PT Asuransi Ramayana 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:ASRM vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, PT Asuransi Ramayana 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 Asuransi Ramayana Tbk Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Ramayana Tbk's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PT Asuransi Ramayana 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 Asuransi Ramayana Tbk (ISX:ASRM) has a Interest Coverage of 87.09 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Asuransi Ramayana Tbk and its competitors. This is 106% above median its historical median of 42.19. Over the past decade, PT Asuransi Ramayana Tbk's Interest Coverage has ranged from 3.35 to 87.09. According to the industry distribution chart, PT Asuransi Ramayana Tbk ranks #75 out of 352 companies in the Insurance industry, placing it in the top 21.3%.
Is PT Asuransi Ramayana Tbk's Interest Coverage too high?
PT Asuransi Ramayana Tbk's current Interest Coverage of 87.09 is 106% above median its 10-year median of 42.19. Over the past 10 years, this metric has ranged from a low of 3.35 to a high of 87.09. The Insurance industry median Interest Coverage is 16.15. PT Asuransi Ramayana Tbk's value of 87.09 is 439.4% above this industry median. Based on the distribution chart, PT Asuransi Ramayana Tbk ranks #75 out of 352 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, PT Asuransi Ramayana Tbk has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Ramayana Tbk's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, PT Asuransi Ramayana Tbk ranks #75 out of 352 companies for Interest Coverage. This places PT Asuransi Ramayana Tbk in the top 21% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.15. PT Asuransi Ramayana Tbk's value of 87.09 is 439.4% above this benchmark. Historically, PT Asuransi Ramayana Tbk's own Interest Coverage has ranged from 3.35 to 87.09 over the past decade. While the company's 10-year median is 42.19 vs. the industry median of 16.15, PT Asuransi Ramayana Tbk has consistently been above 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 16.15, based on 352 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 Asuransi Ramayana Tbk's current Interest Coverage of 87.09 is 439.4% 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 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 Asuransi Ramayana Tbk and its competitors. For the Insurance industry, the median Interest Coverage is 16.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Ramayana Tbk's current Interest Coverage is 87.09, which is 106% above median its own 10-year median of 42.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Ramayana Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Ramayana Tbk (ISX:ASRM) is currently considered Fairly Valued. The stock's GF Value™ is Rp254.21, compared to a current price of Rp250.00 — trading 1.7% below its estimated fair value. The current Interest Coverage is 87.09, which is 106% above median its 10-year median of 42.19 and 439.4% above the Insurance industry median of 16.15. PT Asuransi Ramayana Tbk's overall GF Score™ is 55/100 with 3 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 Asuransi Ramayana Tbk (ISX:ASRM), the current Interest Coverage is 87.09 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 Ramayana Tbk (ISX:ASRM) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Ramayana Tbk stock appears to be undervalued.
The current stock price of Rp250.00 is trading 1.7% below its estimated GF Value™ of Rp254.21.
GuruFocus considers PT Asuransi Ramayana Tbk to be Fairly Valued.
Key valuation signals for ISX:ASRM:
Interest Coverage: 87.09 (106% above median its 10-year median of 42.19)
GF Value™: Rp254.21 vs. price of Rp250.00 (1.7% below fair value)
Industry Position: 439.4% above the Insurance median (#75 of 352)
No single metric tells the full story. See the ISX:ASRM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Ramayana Tbk is an Indonesia-based company engaged in the general insurance business. The products of the company include property insurance, motor vehicle insurance, engineering insurance, marine insurance, health insurance, aviation insurance, electronic equipment insurance, machinery breakdown insurance, personal accident insurance, money insurance, surety bonds, and others. The firm operates through the General Insurance and Office Building Rental segments.
55GF Score
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