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Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. PT Paninvest Tbk's annualizedNet Income for the quarter that ended in Jun. 2026 was Rp-81,856 Mil. PT Paninvest Tbk's average total tangible assets for the quarter that ended in Jun. 2026 was Rp242,093,260 Mil. Therefore, PT Paninvest Tbk's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was -0.03%.
The historical rank and industry rank for PT Paninvest Tbk's Return-on-Tangible-Asset or its related term are showing as below:
ISX:PNIN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.37 Med: 2.02 Max: 6.25
Current: 0.44
During the past 13 years, PT Paninvest Tbk's highest Return-on-Tangible-Asset was 6.25%. The lowest was 0.37%. And the median was 2.02%.
ISX:PNIN's Return-on-Tangible-Asset is ranked worse than 83.53% of 504
companies
in the Insurance industry
Industry Median: 2.77
vs ISX:PNIN: 0.44
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
PT Paninvest Tbk Return-on-Tangible-Asset Related Terms
PT Paninvest Tbk Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for PT Paninvest Tbk's Return-on-Tangible-Asset can be seen below:
* 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:PNIN vs AFL, MET, PRU: Return-on-Tangible-Asset Comparison
For the Insurance - Life subindustry, PT Paninvest Tbk's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Paninvest Tbk Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Paninvest Tbk's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PT Paninvest Tbk's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of -0.03% mean?
PT Paninvest Tbk (ISX:PNIN) has a Return-on-Tangible-Asset of -0.03% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PT Paninvest Tbk and its competitors. Over the past decade, PT Paninvest Tbk's Return-on-Tangible-Asset has ranged from 0.37 to 6.25. According to the industry distribution chart, PT Paninvest Tbk ranks #421 out of 504 companies in the Insurance industry, placing it in the top 83.5%.
Is PT Paninvest Tbk's Return-on-Tangible-Asset too high?
PT Paninvest Tbk's current Return-on-Tangible-Asset is -0.03%. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 6.25. Based on the distribution chart, PT Paninvest Tbk ranks #421 out of 504 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PT Paninvest Tbk has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Paninvest Tbk's Return-on-Tangible-Asset compare to AFL and MET?
According to the Insurance industry distribution chart, PT Paninvest Tbk ranks #421 out of 504 companies for Return-on-Tangible-Asset. This places PT Paninvest Tbk in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.77. Historically, PT Paninvest Tbk's own Return-on-Tangible-Asset has ranged from 0.37 to 6.25 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.77, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PT Paninvest Tbk and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Paninvest Tbk's current Return-on-Tangible-Asset is -0.03%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Paninvest Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Paninvest Tbk (ISX:PNIN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp902.52, compared to a current price of Rp735.00 — trading 18.6% below its estimated fair value. The current Return-on-Tangible-Asset is -0.03%. PT Paninvest Tbk's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For PT Paninvest Tbk (ISX:PNIN), the current Return-on-Tangible-Asset is -0.03% 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 Paninvest Tbk (ISX:PNIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Paninvest Tbk stock appears to be undervalued.
The current stock price of Rp735.00 is trading 18.6% below its estimated GF Value™ of Rp902.52.
GuruFocus considers PT Paninvest Tbk to be Modestly Undervalued.
Key valuation signals for ISX:PNIN:
Return-on-Tangible-Asset: -0.03%
GF Value™: Rp902.52 vs. price of Rp735.00 (18.6% below fair value)
No single metric tells the full story. See the ISX:PNIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Paninvest Tbk is an Indonesia-based company mainly engaged in providing life insurance products. The group classifies their lines of business into life insurance which comprises death, personal health, personal accident, unit link, and others. The company's reportable segments consist of life insurance and business consulting services, banking and multi-finance, trade and services, and tourism. Geographically, all the business activity functions through the region of Indonesia and it derives majority of the income in the form of premiums and commissions.
63GF Score
Get the complete analysis for ISX:PNIN
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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