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The historical rank and industry rank for PT Asuransi Ramayana Tbk's Net Margin % or its related term are showing as below:
ISX:ASRM'
s Net Margin % Range Over the Past 10 Years
Min: 1.35 Med: 4.5 Max: 7.87
Current: 1.35
ISX:ASRM's Net Margin % is ranked worse than 85.09% of 503
companies
in the Insurance industry
Industry Median: 9.2
vs ISX:ASRM: 1.35
PT Asuransi Ramayana Tbk (ISX:ASRM) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PT Asuransi Ramayana Tbk Net Margin % Related Terms
PT Asuransi Ramayana Tbk Net 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.
For the Insurance - Property & Casualty subindustry, PT Asuransi Ramayana Tbk's Net Margin %, along with its competitors' market caps and Net 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 Asuransi Ramayana Tbk Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Ramayana Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Asuransi Ramayana Tbk's Net 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.
PT Asuransi Ramayana Tbk (ISX:ASRM) has a Net Margin % of 2.41% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Asuransi Ramayana Tbk and its competitors. This is 46% below median its historical median of 4.50. Over the past decade, PT Asuransi Ramayana Tbk's Net Margin % has ranged from 1.35 to 7.87. According to the industry distribution chart, PT Asuransi Ramayana Tbk ranks #428 out of 503 companies in the Insurance industry, placing it in the top 85.1%.
Is PT Asuransi Ramayana Tbk's Net Margin % too high?
PT Asuransi Ramayana Tbk's current Net Margin % of 2.41% is 46% below median its 10-year median of 4.50. Over the past 10 years, this metric has ranged from a low of 1.35 to a high of 7.87. The Insurance industry median Net Margin % is 9.20. PT Asuransi Ramayana Tbk's value of 2.41% is 73.8% below this industry median. Based on the distribution chart, PT Asuransi Ramayana Tbk ranks #428 out of 503 companies in the Insurance industry, which is in the bottom quartile 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 Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, PT Asuransi Ramayana Tbk ranks #428 out of 503 companies for Net Margin %. This places PT Asuransi Ramayana Tbk in the lower half of its industry. The industry median Net Margin % is 9.20. PT Asuransi Ramayana Tbk's value of 2.41% is 73.8% below this benchmark. Historically, PT Asuransi Ramayana Tbk's own Net Margin % has ranged from 1.35 to 7.87 over the past decade. While the company's 10-year median is 4.50 vs. the industry median of 9.20, PT Asuransi Ramayana 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.20, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Asuransi Ramayana Tbk's current Net Margin % of 2.41% is 73.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PT Asuransi Ramayana Tbk and its competitors. For the Insurance industry, the median Net Margin % is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Ramayana Tbk's current Net Margin % is 2.41%, which is 46% below median its own 10-year median of 4.50. 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 Net Margin % is 2.41%, which is 46% below median its 10-year median of 4.50 and 73.8% below the Insurance industry median of 9.20. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PT Asuransi Ramayana Tbk (ISX:ASRM), the current Net Margin % is 2.41% 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:
Net Margin %: 2.41% (46% below median its 10-year median of 4.50)
GF Value™: Rp254.21 vs. price of Rp250.00 (1.7% below fair value)
Industry Position: 73.8% below the Insurance median (#428 of 503)
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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