PT Asuransi Bina Dana Arta TbkISX:ABDA 63 ROA % is 4.26% as of Mar. 2026, which is 16% above its 10-year median of 3.68. GuruFocus rates ISX:ABDA with a GF Score™ of 63/100 and a GF Value™ of Rp5,009.40 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 509 Insurance companies, PT Asuransi Bina Dana Arta Tbk ranks better than 64.05% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PT Asuransi Bina Dana Arta Tbk's annualizedNet Income for the quarter that ended in Mar. 2026 was Rp118,531 Mil.
PT Asuransi Bina Dana Arta Tbk's average Total Assets over the quarter that ended in Mar. 2026 was Rp2,783,095 Mil. Therefore, PT Asuransi Bina Dana Arta Tbk's annualized ROA % for the quarter that ended in Mar. 2026 was 4.26%.
The historical rank and industry rank for PT Asuransi Bina Dana Arta Tbk's ROA % or its related term are showing as below:
ISX:ABDA'
s ROA % Range Over the Past 10 Years
Min: 1.45 Med: 3.68 Max: 6.33
Current: 3.76
During the past 13 years, PT Asuransi Bina Dana Arta Tbk's highest ROA % was 6.33%. The lowest was 1.45%. And the median was 3.68%.
ISX:ABDA's ROA % is ranked better than 64.05% of 509
companies
in the Insurance industry
Industry Median: 2.67
vs ISX:ABDA: 3.76
PT Asuransi Bina Dana Arta Tbk (ISX:ABDA) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
PT Asuransi Bina Dana Arta Tbk ROA % Related Terms
PT Asuransi Bina Dana Arta Tbk ROA % 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.
For the Insurance - Property & Casualty subindustry, PT Asuransi Bina Dana Arta Tbk's ROA %, along with its competitors' market caps and ROA % 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 Bina Dana Arta Tbk ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Bina Dana Arta Tbk's ROA % distribution charts can be found below:
* The bar in red indicates where PT Asuransi Bina Dana Arta Tbk's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
PT Asuransi Bina Dana Arta Tbk (ISX:ABDA) has a ROA % of 4.26% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Asuransi Bina Dana Arta Tbk and its competitors. This is 16% above median its historical median of 3.68. Over the past decade, PT Asuransi Bina Dana Arta Tbk's ROA % has ranged from 1.45 to 6.33. According to the industry distribution chart, PT Asuransi Bina Dana Arta Tbk ranks #183 out of 509 companies in the Insurance industry, placing it in the top 36%.
Is PT Asuransi Bina Dana Arta Tbk's ROA % too high?
PT Asuransi Bina Dana Arta Tbk's current ROA % of 4.26% is 16% above median its 10-year median of 3.68. Over the past 10 years, this metric has ranged from a low of 1.45 to a high of 6.33. The Insurance industry median ROA % is 2.67. PT Asuransi Bina Dana Arta Tbk's value of 4.26% is 59.6% above this industry median. Based on the distribution chart, PT Asuransi Bina Dana Arta Tbk ranks #183 out of 509 companies in the Insurance industry, which is above the industry midpoint. Overall, PT Asuransi Bina Dana Arta Tbk has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Bina Dana Arta Tbk's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, PT Asuransi Bina Dana Arta Tbk ranks #183 out of 509 companies for ROA %. This puts PT Asuransi Bina Dana Arta Tbk in the upper half of its industry. The industry median ROA % is 2.67. PT Asuransi Bina Dana Arta Tbk's value of 4.26% is 59.6% above this benchmark. Historically, PT Asuransi Bina Dana Arta Tbk's own ROA % has ranged from 1.45 to 6.33 over the past decade. While the company's 10-year median is 3.68 vs. the industry median of 2.67, PT Asuransi Bina Dana Arta 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.67, based on 509 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Asuransi Bina Dana Arta Tbk's current ROA % of 4.26% is 59.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Asuransi Bina Dana Arta Tbk and its competitors. For the Insurance industry, the median ROA % is 2.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Bina Dana Arta Tbk's current ROA % is 4.26%, which is 16% above median its own 10-year median of 3.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Bina Dana Arta Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Bina Dana Arta Tbk (ISX:ABDA) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp5,009.40, compared to a current price of Rp3,310.00 — trading 33.9% below its estimated fair value. The current ROA % is 4.26%, which is 16% above median its 10-year median of 3.68 and 59.6% above the Insurance industry median of 2.67. PT Asuransi Bina Dana Arta Tbk's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For PT Asuransi Bina Dana Arta Tbk (ISX:ABDA), the current ROA % is 4.26% 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 Bina Dana Arta Tbk (ISX:ABDA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Bina Dana Arta Tbk stock appears to be undervalued.
The current stock price of Rp3,310.00 is trading 33.9% below its estimated GF Value™ of Rp5,009.40.
GuruFocus considers PT Asuransi Bina Dana Arta Tbk to be Significantly Undervalued.
Key valuation signals for ISX:ABDA:
ROA %: 4.26% (16% above median its 10-year median of 3.68)
GF Value™: Rp5,009.40 vs. price of Rp3,310.00 (33.9% below fair value)
Industry Position: 59.6% above the Insurance median (#183 of 509)
No single metric tells the full story. See the ISX:ABDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Bina Dana Arta Tbk Business Description
PT Asuransi Bina Dana Arta Tbk is an Indonesian-based insurance service provider. It provides insurance services protection against any losses, such as fire, vehicles, engineering, liability, transportation, heavy equipment and machinery, health protection, and others. The company generates the majority of the premium revenue from the Motor vehicle insurance services it provides. Geographically, the group operations in Indonesia are carried out in Sumatra and Batam, Kalimantan, Jawa, Sulawesi, Bali, and Greater Jakarta, of which key revenue is derived from Greater Jakarta.
63GF Score
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