PT Sinar Mas Multiartha TbkISX:SMMA 56 Interest Coverage is 3.87 as of Sep. 2025, which is 120% above its 10-year median of 1.76. GuruFocus rates ISX:SMMA with a GF Score™ of 56/100 and a GF Value™ of Rp17,068.05 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 352 Insurance companies, PT Sinar Mas Multiartha Tbk ranks worse than 88.35% on this metric.
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 Sinar Mas Multiartha Tbk's
EBIT
for the
three
months ended in Sep. 2025 was Rp1,995,710 Mil. PT Sinar Mas Multiartha Tbk's Interest Expense for the
three
months ended in Sep. 2025 was Rp-516,205 Mil.
PT Sinar Mas Multiartha Tbk's interest coverage for the quarter that ended in Sep. 2025 was 3.87.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for PT Sinar Mas Multiartha Tbk's Interest Coverage or its related term are showing as below:
ISX:SMMA'
s Interest Coverage Range Over the Past 10 Years
Min: 0.31 Med: 1.76 Max: 3.86
Current: 2.7
ISX:SMMA's Interest Coverage is ranked worse than 88.35% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs ISX:SMMA: 2.70
PT Sinar Mas Multiartha Tbk (ISX:SMMA) Interest Coverage Explanation
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 Sinar Mas Multiartha Tbk Interest Coverage Related Terms
PT Sinar Mas Multiartha 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.
PT Sinar Mas Multiartha Tbk Interest Coverage Chart
ISX:SMMA vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, PT Sinar Mas Multiartha 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 Sinar Mas Multiartha Tbk Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Sinar Mas Multiartha Tbk's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PT Sinar Mas Multiartha Tbk's Interest Coverage falls into.
PT Sinar Mas Multiartha Tbk Interest Coverage Calculation
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 Sinar Mas Multiartha Tbk (ISX:SMMA) has a Interest Coverage of 3.87 as of Sep. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Sinar Mas Multiartha Tbk and its competitors. This is 120% above median its historical median of 1.76. Over the past decade, PT Sinar Mas Multiartha Tbk's Interest Coverage has ranged from 0.31 to 3.86. According to the industry distribution chart, PT Sinar Mas Multiartha Tbk ranks #311 out of 352 companies in the Insurance industry, placing it in the top 88.4%.
Is PT Sinar Mas Multiartha Tbk's Interest Coverage too high?
PT Sinar Mas Multiartha Tbk's current Interest Coverage of 3.87 is 120% above median its 10-year median of 1.76. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 3.86. The Insurance industry median Interest Coverage is 16.25. PT Sinar Mas Multiartha Tbk's value of 3.87 is 76.2% below this industry median. Based on the distribution chart, PT Sinar Mas Multiartha Tbk ranks #311 out of 352 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PT Sinar Mas Multiartha Tbk has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Sinar Mas Multiartha Tbk's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, PT Sinar Mas Multiartha Tbk ranks #311 out of 352 companies for Interest Coverage. This places PT Sinar Mas Multiartha Tbk in the lower half of its industry. The industry median Interest Coverage is 16.25. PT Sinar Mas Multiartha Tbk's value of 3.87 is 76.2% below this benchmark. Historically, PT Sinar Mas Multiartha Tbk's own Interest Coverage has ranged from 0.31 to 3.86 over the past decade. While the company's 10-year median is 1.76 vs. the industry median of 16.25, PT Sinar Mas Multiartha 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 16.25, 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 Sinar Mas Multiartha Tbk's current Interest Coverage of 3.87 is 76.2% 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 Sinar Mas Multiartha Tbk and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Sinar Mas Multiartha Tbk's current Interest Coverage is 3.87, which is 120% above median its own 10-year median of 1.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Sinar Mas Multiartha Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Sinar Mas Multiartha Tbk (ISX:SMMA) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp17,068.05, compared to a current price of Rp21,875.00 — trading 28.2% above its estimated fair value. The current Interest Coverage is 3.87, which is 120% above median its 10-year median of 1.76 and 76.2% below the Insurance industry median of 16.25. PT Sinar Mas Multiartha Tbk's overall GF Score™ is 56/100 with 6 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 Sinar Mas Multiartha Tbk (ISX:SMMA), the current Interest Coverage is 3.87 as of Sep. 2025. 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 Sinar Mas Multiartha Tbk (ISX:SMMA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Sinar Mas Multiartha Tbk stock appears to be overvalued.
The current stock price of Rp21,875.00 is trading 28.2% above its estimated GF Value™ of Rp17,068.05.
GuruFocus considers PT Sinar Mas Multiartha Tbk to be Modestly Overvalued.
Key valuation signals for ISX:SMMA:
Interest Coverage: 3.87 (120% above median its 10-year median of 1.76)
GF Value™: Rp17,068.05 vs. price of Rp21,875.00 (28.2% above fair value)
Industry Position: 76.2% below the Insurance median (#311 of 352)
No single metric tells the full story. See the ISX:SMMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Sinar Mas Multiartha Tbk provides an integrated and comprehensive range of financial services in Indonesia. The company is engaged in insurance underwriting, consumer financing, factoring of accounts, securities administration, securities brokerage, investment management, banking, development, Information technology, trading, and other related services. It is also involved in the auction house, property, health clinic, and workshop activities.
56GF Score
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