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PT Lippo General Insurance Tbk (ISX:LPGI) 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 Lippo General Insurance Tbk Net Margin % Related Terms
PT Lippo General Insurance 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.
ISX:LPGI vs BRK.A, AIG, HIG: Net Margin % Comparison
For the Insurance - Diversified subindustry, PT Lippo General Insurance 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 Lippo General Insurance Tbk Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Lippo General Insurance Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Lippo General Insurance 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 Lippo General Insurance Tbk (ISX:LPGI) has a Net Margin % of 5.74% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Lippo General Insurance Tbk and its competitors. This is 14% above median its historical median of 5.02. Over the past decade, PT Lippo General Insurance Tbk's Net Margin % has ranged from 0.79 to 8.38. According to the industry distribution chart, PT Lippo General Insurance Tbk ranks #381 out of 499 companies in the Insurance industry, placing it in the top 76.4%.
Is PT Lippo General Insurance Tbk's Net Margin % too high?
PT Lippo General Insurance Tbk's current Net Margin % of 5.74% is 14% above median its 10-year median of 5.02. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 8.38. The Insurance industry median Net Margin % is 9.22. PT Lippo General Insurance Tbk's value of 5.74% is 37.7% below this industry median. Based on the distribution chart, PT Lippo General Insurance Tbk ranks #381 out of 499 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PT Lippo General Insurance Tbk has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Lippo General Insurance Tbk's Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, PT Lippo General Insurance Tbk ranks #381 out of 499 companies for Net Margin %. This places PT Lippo General Insurance Tbk in the lower half of its industry. The industry median Net Margin % is 9.22. PT Lippo General Insurance Tbk's value of 5.74% is 37.7% below this benchmark. Historically, PT Lippo General Insurance Tbk's own Net Margin % has ranged from 0.79 to 8.38 over the past decade. While the company's 10-year median is 5.02 vs. the industry median of 9.22, PT Lippo General Insurance 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 9.22, based on 499 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 Lippo General Insurance Tbk's current Net Margin % of 5.74% is 37.7% 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 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 Lippo General Insurance Tbk and its competitors. For the Insurance industry, the median Net Margin % is 9.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Lippo General Insurance Tbk's current Net Margin % is 5.74%, which is 14% above median its own 10-year median of 5.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Lippo General Insurance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Lippo General Insurance Tbk (ISX:LPGI) is currently considered Fairly Valued. The stock's GF Value™ is Rp628.70, compared to a current price of Rp645.00 — trading 2.6% above its estimated fair value. The current Net Margin % is 5.74%, which is 14% above median its 10-year median of 5.02 and 37.7% below the Insurance industry median of 9.22. PT Lippo General Insurance Tbk's overall GF Score™ is 74/100. 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 Lippo General Insurance Tbk (ISX:LPGI), the current Net Margin % is 5.74% as of Jun. 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 Lippo General Insurance Tbk (ISX:LPGI) Overvalued in 2026?
Based on GuruFocus' analysis, PT Lippo General Insurance Tbk stock appears to be overvalued.
The current stock price of Rp645.00 is trading 2.6% above its estimated GF Value™ of Rp628.70.
GuruFocus considers PT Lippo General Insurance Tbk to be Fairly Valued.
Key valuation signals for ISX:LPGI:
Net Margin %: 5.74% (14% above median its 10-year median of 5.02)
GF Value™: Rp628.70 vs. price of Rp645.00 (2.6% above fair value)
Industry Position: 37.7% below the Insurance median (#381 of 499)
No single metric tells the full story. See the ISX:LPGI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Lippo General Insurance Tbk is a company that provides general insurance services. Its operating segments are Fire insurance, Motor Vehicle Insurance, Marine Cargo insurance, Health insurance and miscellaneous insurance. Geographically, the group carries operations in Indonesia in the areas of Jabodetabek, Sumatera, Jawa Timur, Jawa Barat, Jawa Tengah, Makassar, Bali, and Balikpapan. It derives key revenue from the Health insurance segment.
74GF Score
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