ISX:APIC's PB Ratio is ranked worse than 75.6% of 500
companies
in the Insurance industry
Industry Median: 1.405
vs ISX:APIC: 2.31
During the past 12 months, PT Pacific Strategic Financial Tbk's average Book Value Per Share Growth Rate was 22.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Pacific Strategic Financial Tbk was 30.10% per year. The lowest was -43.00% per year. And the median was 5.60% per year.
Back to Basics: PB Ratio
PT Pacific Strategic Financial Tbk (ISX:APIC) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PT Pacific Strategic Financial Tbk PB Ratio Related Terms
PT Pacific Strategic Financial Tbk PB Ratio 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 - Life subindustry, PT Pacific Strategic Financial Tbk's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Pacific Strategic Financial Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Pacific Strategic Financial Tbk's PB Ratio falls into.
PT Pacific Strategic Financial Tbk PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PT Pacific Strategic Financial Tbk (ISX:APIC) has a PB Ratio of 2.32 as of Jul. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Pacific Strategic Financial Tbk and its competitors. This is 54% below median its historical median of 5.01. Over the past decade, PT Pacific Strategic Financial Tbk's PB Ratio has ranged from 1.87 to 8.41. According to the industry distribution chart, PT Pacific Strategic Financial Tbk ranks #378 out of 500 companies in the Insurance industry, placing it in the top 75.6%.
Is PT Pacific Strategic Financial Tbk's PB Ratio too high?
PT Pacific Strategic Financial Tbk's current PB Ratio of 2.32 is 54% below median its 10-year median of 5.01. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 8.41. The Insurance industry median PB Ratio is 1.41. PT Pacific Strategic Financial Tbk's value of 2.32 is 65.1% above this industry median. Based on the distribution chart, PT Pacific Strategic Financial Tbk ranks #378 out of 500 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 PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, PT Pacific Strategic Financial Tbk ranks #378 out of 500 companies for PB Ratio. This places PT Pacific Strategic Financial Tbk in the lower half of its industry. The industry median PB Ratio is 1.41. PT Pacific Strategic Financial Tbk's value of 2.32 is 65.1% above this benchmark. Historically, PT Pacific Strategic Financial Tbk's own PB Ratio has ranged from 1.87 to 8.41 over the past decade. While the company's 10-year median is 5.01 vs. the industry median of 1.41, PT Pacific Strategic Financial 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.41, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Pacific Strategic Financial Tbk's current PB Ratio of 2.32 is 65.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Pacific Strategic Financial Tbk and its competitors. For the Insurance industry, the median PB Ratio is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Pacific Strategic Financial Tbk's current PB Ratio is 2.32, which is 54% below median its own 10-year median of 5.01. 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 PB Ratio is 2.32, which is 54% below median its 10-year median of 5.01 and 65.1% above the Insurance industry median of 1.41. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PT Pacific Strategic Financial Tbk (ISX:APIC), the current PB Ratio is 2.32 as of Jul. 03, 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:
PB Ratio: 2.32 (54% below median its 10-year median of 5.01)
GF Value™: Rp1,070.85 vs. price of Rp640.00 (40.2% below fair value)
Industry Position: 65.1% above the Insurance median (#378 of 500)
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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