The historical rank and industry rank for PT Pacific Strategic Financial Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:APIC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.57 Med: 5.31 Max: 7.81
Current: 3.61
During the past 13 years, PT Pacific Strategic Financial Tbk's highest Return-on-Tangible-Equity was 7.81%. The lowest was 3.57%. And the median was 5.31%.
ISX:APIC's Return-on-Tangible-Equity is ranked worse than 85.17% of 499
companies
in the Insurance industry
Industry Median: 13.51
vs ISX:APIC: 3.61
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 Pacific Strategic Financial Tbk Return-on-Tangible-Equity Related Terms
PT Pacific Strategic Financial 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.
ISX:APIC vs AFL, MET, PRU: Return-on-Tangible-Equity Comparison
For the Insurance - Life subindustry, PT Pacific Strategic Financial 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 Pacific Strategic Financial Tbk Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Pacific Strategic Financial Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Pacific Strategic Financial 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 15.45% mean?
PT Pacific Strategic Financial Tbk (ISX:APIC) has a Return-on-Tangible-Equity of 15.45% 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 Pacific Strategic Financial Tbk and its competitors. This is 191% above median its historical median of 5.31. Over the past decade, PT Pacific Strategic Financial Tbk's Return-on-Tangible-Equity has ranged from 3.57 to 7.81. According to the industry distribution chart, PT Pacific Strategic Financial Tbk ranks #425 out of 499 companies in the Insurance industry, placing it in the top 85.2%.
Is PT Pacific Strategic Financial Tbk's Return-on-Tangible-Equity too high?
PT Pacific Strategic Financial Tbk's current Return-on-Tangible-Equity of 15.45% is 191% above median its 10-year median of 5.31. Over the past 10 years, this metric has ranged from a low of 3.57 to a high of 7.81. The Insurance industry median Return-on-Tangible-Equity is 13.51. PT Pacific Strategic Financial Tbk's value of 15.45% is 14.4% above this industry median. Based on the distribution chart, PT Pacific Strategic Financial Tbk ranks #425 out of 499 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 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Pacific Strategic Financial Tbk's Return-on-Tangible-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, PT Pacific Strategic Financial Tbk ranks #425 out of 499 companies for Return-on-Tangible-Equity. This places PT Pacific Strategic Financial Tbk in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.51. PT Pacific Strategic Financial Tbk's value of 15.45% is 14.4% above this benchmark. Historically, PT Pacific Strategic Financial Tbk's own Return-on-Tangible-Equity has ranged from 3.57 to 7.81 over the past decade. While the company's 10-year median is 5.31 vs. the industry median of 13.51, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.51, based on 499 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 Pacific Strategic Financial Tbk's current Return-on-Tangible-Equity of 15.45% is 14.4% 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 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 Pacific Strategic Financial Tbk and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Pacific Strategic Financial Tbk's current Return-on-Tangible-Equity is 15.45%, which is 191% above median its own 10-year median of 5.31. 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 Rp1,070.21, compared to a current price of Rp655.00 — trading 38.8% below its estimated fair value. The current Return-on-Tangible-Equity is 15.45%, which is 191% above median its 10-year median of 5.31 and 14.4% above the Insurance industry median of 13.51. PT Pacific Strategic Financial Tbk's overall GF Score™ is 58/100 with 7 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 Pacific Strategic Financial Tbk (ISX:APIC), the current Return-on-Tangible-Equity is 15.45% 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 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 Rp655.00 is trading 38.8% below its estimated GF Value™ of Rp1,070.21.
GuruFocus considers PT Pacific Strategic Financial Tbk to be Possible Value Trap.
Key valuation signals for ISX:APIC:
Return-on-Tangible-Equity: 15.45% (191% above median its 10-year median of 5.31)
GF Value™: Rp1,070.21 vs. price of Rp655.00 (38.8% below fair value)
Industry Position: 14.4% above the Insurance median (#425 of 499)
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.
58GF Score
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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