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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. PT Paninvest Tbk's annualized net income for the quarter that ended in Jun. 2026 was Rp-81,856 Mil. PT Paninvest Tbk's average shareholder tangible equity for the quarter that ended in Jun. 2026 was Rp21,532,092 Mil. Therefore, PT Paninvest Tbk's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was -0.38%.
The historical rank and industry rank for PT Paninvest Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:PNIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.29 Med: 7.46 Max: 15.67
Current: 5.02
During the past 13 years, PT Paninvest Tbk's highest Return-on-Tangible-Equity was 15.67%. The lowest was 4.29%. And the median was 7.46%.
ISX:PNIN's Return-on-Tangible-Equity is ranked worse than 81.05% of 496
companies
in the Insurance industry
Industry Median: 13.535
vs ISX:PNIN: 5.02
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 Paninvest Tbk Return-on-Tangible-Equity Related Terms
PT Paninvest Tbk Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for PT Paninvest Tbk's Return-on-Tangible-Equity 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-Equity Comparison
For the Insurance - Life subindustry, PT Paninvest 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 Paninvest Tbk Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Paninvest Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Paninvest 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 (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of -0.38% mean?
PT Paninvest Tbk (ISX:PNIN) has a Return-on-Tangible-Equity of -0.38% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PT Paninvest Tbk and its competitors. Over the past decade, PT Paninvest Tbk's Return-on-Tangible-Equity has ranged from 4.29 to 15.67. According to the industry distribution chart, PT Paninvest Tbk ranks #402 out of 496 companies in the Insurance industry, placing it in the top 81%.
Is PT Paninvest Tbk's Return-on-Tangible-Equity too high?
PT Paninvest Tbk's current Return-on-Tangible-Equity is -0.38%. Over the past 10 years, this metric has ranged from a low of 4.29 to a high of 15.67. Based on the distribution chart, PT Paninvest Tbk ranks #402 out of 496 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PT Paninvest Tbk has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Paninvest Tbk's Return-on-Tangible-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, PT Paninvest Tbk ranks #402 out of 496 companies for Return-on-Tangible-Equity. This places PT Paninvest Tbk in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.54. Historically, PT Paninvest Tbk's own Return-on-Tangible-Equity has ranged from 4.29 to 15.67 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.54, 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. 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 Paninvest Tbk and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.54 — 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-Equity is -0.38%. 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 Rp908.65, compared to a current price of Rp700.00 — trading 23% below its estimated fair value. The current Return-on-Tangible-Equity is -0.38%. PT Paninvest Tbk's overall GF Score™ is 65/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For PT Paninvest Tbk (ISX:PNIN), the current Return-on-Tangible-Equity is -0.38% 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 Rp700.00 is trading 23% below its estimated GF Value™ of Rp908.65.
GuruFocus considers PT Paninvest Tbk to be Modestly Undervalued.
Key valuation signals for ISX:PNIN:
Return-on-Tangible-Equity: -0.38%
GF Value™: Rp908.65 vs. price of Rp700.00 (23% 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.
65GF Score
Get the complete analysis for ISX:PNIN
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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