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PT Asuransi Multi Artha Guna TbkISX:AMAG 69 Return-on-Tangible-Equity is 13.07% as of Mar. 2026, which is 62% above its 10-year median of 8.06. GuruFocus rates ISX:AMAG with a GF Score™ of 69/100 and a GF Value™ of Rp448.49 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 496 Insurance companies, PT Asuransi Multi Artha Guna Tbk ranks worse than 62.1% on this metric.
The historical rank and industry rank for PT Asuransi Multi Artha Guna Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:AMAG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.02 Med: 8.06 Max: 13.9
Current: 9.69
During the past 13 years, PT Asuransi Multi Artha Guna Tbk's highest Return-on-Tangible-Equity was 13.90%. The lowest was 3.02%. And the median was 8.06%.
ISX:AMAG's Return-on-Tangible-Equity is ranked worse than 62.1% of 496
companies
in the Insurance industry
Industry Median: 13.245
vs ISX:AMAG: 9.69
PT Asuransi Multi Artha Guna Tbk (ISX:AMAG) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
PT Asuransi Multi Artha Guna Tbk Return-on-Tangible-Equity Related Terms
PT Asuransi Multi Artha Guna Tbk Return-on-Tangible-Equity 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 Multi Artha Guna Tbk Return-on-Tangible-Equity Chart
ISX:AMAG vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, PT Asuransi Multi Artha Guna Tbk's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Multi Artha Guna Tbk Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Multi Artha Guna Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Asuransi Multi Artha Guna Tbk's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.07% mean?
PT Asuransi Multi Artha Guna Tbk (ISX:AMAG) has a Return-on-Tangible-Equity of 13.07% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PT Asuransi Multi Artha Guna Tbk and its competitors. This is 62% above median its historical median of 8.06. Over the past decade, PT Asuransi Multi Artha Guna Tbk's Return-on-Tangible-Equity has ranged from 3.02 to 13.90. According to the industry distribution chart, PT Asuransi Multi Artha Guna Tbk ranks #308 out of 496 companies in the Insurance industry, placing it in the top 62.1%.
Is PT Asuransi Multi Artha Guna Tbk's Return-on-Tangible-Equity too high?
PT Asuransi Multi Artha Guna Tbk's current Return-on-Tangible-Equity of 13.07% is 62% above median its 10-year median of 8.06. Over the past 10 years, this metric has ranged from a low of 3.02 to a high of 13.90. The Insurance industry median Return-on-Tangible-Equity is 13.25. PT Asuransi Multi Artha Guna Tbk's value of 13.07% is 1.3% below this industry median. Based on the distribution chart, PT Asuransi Multi Artha Guna Tbk ranks #308 out of 496 companies in the Insurance industry, which is below the industry midpoint. Overall, PT Asuransi Multi Artha Guna Tbk has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Multi Artha Guna Tbk's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, PT Asuransi Multi Artha Guna Tbk ranks #308 out of 496 companies for Return-on-Tangible-Equity. This places PT Asuransi Multi Artha Guna Tbk in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.25. PT Asuransi Multi Artha Guna Tbk's value of 13.07% is 1.3% below this benchmark. Historically, PT Asuransi Multi Artha Guna Tbk's own Return-on-Tangible-Equity has ranged from 3.02 to 13.90 over the past decade. While the company's 10-year median is 8.06 vs. the industry median of 13.25, PT Asuransi Multi Artha Guna 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.25, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Asuransi Multi Artha Guna Tbk's current Return-on-Tangible-Equity of 13.07% is 1.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PT Asuransi Multi Artha Guna Tbk and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Multi Artha Guna Tbk's current Return-on-Tangible-Equity is 13.07%, which is 62% above median its own 10-year median of 8.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Multi Artha Guna Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Multi Artha Guna Tbk (ISX:AMAG) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp448.49, compared to a current price of Rp392.00 — trading 12.6% below its estimated fair value. The current Return-on-Tangible-Equity is 13.07%, which is 62% above median its 10-year median of 8.06 and 1.3% below the Insurance industry median of 13.25. PT Asuransi Multi Artha Guna Tbk's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For PT Asuransi Multi Artha Guna Tbk (ISX:AMAG), the current Return-on-Tangible-Equity is 13.07% 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 Multi Artha Guna Tbk (ISX:AMAG) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Multi Artha Guna Tbk stock appears to be undervalued.
The current stock price of Rp392.00 is trading 12.6% below its estimated GF Value™ of Rp448.49.
GuruFocus considers PT Asuransi Multi Artha Guna Tbk to be Modestly Undervalued.
Key valuation signals for ISX:AMAG:
Return-on-Tangible-Equity: 13.07% (62% above median its 10-year median of 8.06)
GF Value™: Rp448.49 vs. price of Rp392.00 (12.6% below fair value)
Industry Position: 1.3% below the Insurance median (#308 of 496)
No single metric tells the full story. See the ISX:AMAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Multi Artha Guna Tbk Business Description
PT Asuransi Multi Artha Guna Tbk is an insurance company. The company provides insurance in the areas of fire, earthquake, property, engineering, motor, heavy equipment, cargo, burglary, money, personal accident, health, travel, and suretyship. It also provides insurance for cash in ATM, car loan insurance, retail credit insurance, oil and gas insurance, insurance for cash in management, insurance for garage keeper liability, business protection plus insurance, and comprehensive machinery insurance. The company's reportable segments are based on the class of insurance business and include Motor vehicles, Health, Fire and Others. Maximum revenue is generated from the Motor vehicles segment.
69GF Score
Get the complete analysis for ISX:AMAG
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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