Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
PT Asuransi Tugu Pratama Indonesia Tbk Pretax Margin % Related Terms
PT Asuransi Tugu Pratama Indonesia Tbk Pretax 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.
PT Asuransi Tugu Pratama Indonesia Tbk Pretax Margin % Chart
PT Asuransi Tugu Pratama Indonesia Tbk Annual Data
ISX:TUGU vs BRK.A, AIG, HIG: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, PT Asuransi Tugu Pratama Indonesia Tbk's Pretax Margin %, along with its competitors' market caps and Pretax 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 Tugu Pratama Indonesia Tbk Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Tugu Pratama Indonesia Tbk's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where PT Asuransi Tugu Pratama Indonesia Tbk's Pretax 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 Tugu Pratama Indonesia Tbk (ISX:TUGU) has a Pretax Margin % of 10.32% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PT Asuransi Tugu Pratama Indonesia Tbk and its competitors. This is 21% below median its historical median of 13.13. Over the past decade, PT Asuransi Tugu Pratama Indonesia Tbk's Pretax Margin % has ranged from 8.75 to 58.22. According to the industry distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #174 out of 500 companies in the Insurance industry, placing it in the top 34.8%.
Is PT Asuransi Tugu Pratama Indonesia Tbk's Pretax Margin % too high?
PT Asuransi Tugu Pratama Indonesia Tbk's current Pretax Margin % of 10.32% is 21% below median its 10-year median of 13.13. Over the past 10 years, this metric has ranged from a low of 8.75 to a high of 58.22. The Insurance industry median Pretax Margin % is 11.88. PT Asuransi Tugu Pratama Indonesia Tbk's value of 10.32% is 13.1% below this industry median. Based on the distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #174 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, PT Asuransi Tugu Pratama Indonesia Tbk has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Tugu Pratama Indonesia Tbk's Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #174 out of 500 companies for Pretax Margin %. This puts PT Asuransi Tugu Pratama Indonesia Tbk in the upper half of its industry. The industry median Pretax Margin % is 11.88. PT Asuransi Tugu Pratama Indonesia Tbk's value of 10.32% is 13.1% below this benchmark. Historically, PT Asuransi Tugu Pratama Indonesia Tbk's own Pretax Margin % has ranged from 8.75 to 58.22 over the past decade. While the company's 10-year median is 13.13 vs. the industry median of 11.88, PT Asuransi Tugu Pratama Indonesia 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 11.88, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Asuransi Tugu Pratama Indonesia Tbk's current Pretax Margin % of 10.32% is 13.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PT Asuransi Tugu Pratama Indonesia Tbk and its competitors. For the Insurance industry, the median Pretax Margin % is 11.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Tugu Pratama Indonesia Tbk's current Pretax Margin % is 10.32%, which is 21% below median its own 10-year median of 13.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Tugu Pratama Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp1,025.73, compared to a current price of Rp1,240.00 — trading 20.9% above its estimated fair value. The current Pretax Margin % is 10.32%, which is 21% below median its 10-year median of 13.13 and 13.1% below the Insurance industry median of 11.88. PT Asuransi Tugu Pratama Indonesia Tbk's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For PT Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU), the current Pretax Margin % is 10.32% 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 Tugu Pratama Indonesia Tbk (ISX:TUGU) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Tugu Pratama Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp1,240.00 is trading 20.9% above its estimated GF Value™ of Rp1,025.73.
GuruFocus considers PT Asuransi Tugu Pratama Indonesia Tbk to be Modestly Overvalued.
Key valuation signals for ISX:TUGU:
Pretax Margin %: 10.32% (21% below median its 10-year median of 13.13)
GF Value™: Rp1,025.73 vs. price of Rp1,240.00 (20.9% above fair value)
Industry Position: 13.1% below the Insurance median (#174 of 500)
No single metric tells the full story. See the ISX:TUGU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Tugu Pratama Indonesia Tbk Business Description
PT Asuransi Tugu Pratama Indonesia Tbk is an insurance company. It has four business segments namely General insurance; Reinsurance; Rental and related business; and Others. Geographically, it derives the majority of its revenue from Indonesia. Its products include Fire and Property, Health, Personal, Aviation, Marine Hull, Cargo and Protection and Indemnity, Engineering, and other Miscellaneous insurance.
83GF Score
Get the complete analysis for ISX:TUGU
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:TUGU has been successfully added to your 
