ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PT Pacific Strategic Financial Tbk's annualizedNet Income for the quarter that ended in Mar. 2026 was Rp490,810 Mil.
PT Pacific Strategic Financial Tbk's average Total Assets over the quarter that ended in Mar. 2026 was Rp8,386,812 Mil. Therefore, PT Pacific Strategic Financial Tbk's annualized ROA % for the quarter that ended in Mar. 2026 was 5.85%.
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 Pacific Strategic Financial Tbk ROA % Related Terms
PT Pacific Strategic Financial 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 - Life subindustry, PT Pacific Strategic Financial 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 Pacific Strategic Financial Tbk ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Pacific Strategic Financial Tbk's ROA % distribution charts can be found below:
* The bar in red indicates where PT Pacific Strategic Financial 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 Pacific Strategic Financial Tbk (ISX:APIC) has a ROA % of 5.85% 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 Pacific Strategic Financial Tbk and its competitors. This is 145% above median its historical median of 2.39. Over the past decade, PT Pacific Strategic Financial Tbk's ROA % has ranged from 1.24 to 5.62. According to the industry distribution chart, PT Pacific Strategic Financial Tbk ranks #339 out of 509 companies in the Insurance industry, placing it in the top 66.6%.
Is PT Pacific Strategic Financial Tbk's ROA % too high?
PT Pacific Strategic Financial Tbk's current ROA % of 5.85% is 145% above median its 10-year median of 2.39. Over the past 10 years, this metric has ranged from a low of 1.24 to a high of 5.62. The Insurance industry median ROA % is 2.67. PT Pacific Strategic Financial Tbk's value of 5.85% is 119.1% above this industry median. Based on the distribution chart, PT Pacific Strategic Financial Tbk ranks #339 out of 509 companies in the Insurance industry, which is below the industry midpoint. Overall, PT Pacific Strategic Financial Tbk has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Pacific Strategic Financial Tbk's ROA % compare to AFL and MET?
According to the Insurance industry distribution chart, PT Pacific Strategic Financial Tbk ranks #339 out of 509 companies for ROA %. This places PT Pacific Strategic Financial Tbk in the lower half of its industry. The industry median ROA % is 2.67. PT Pacific Strategic Financial Tbk's value of 5.85% is 119.1% above this benchmark. Historically, PT Pacific Strategic Financial Tbk's own ROA % has ranged from 1.24 to 5.62 over the past decade. While the company's 10-year median is 2.39 vs. the industry median of 2.67, 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 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 Pacific Strategic Financial Tbk's current ROA % of 5.85% is 119.1% 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 Pacific Strategic Financial 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 Pacific Strategic Financial Tbk's current ROA % is 5.85%, which is 145% above median its own 10-year median of 2.39. 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 Rp1,070.85, compared to a current price of Rp640.00 — trading 40.2% below its estimated fair value. The current ROA % is 5.85%, which is 145% above median its 10-year median of 2.39 and 119.1% above the Insurance industry median of 2.67. PT Pacific Strategic Financial Tbk's overall GF Score™ is 53/100 with 7 warning signs 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 Pacific Strategic Financial Tbk (ISX:APIC), the current ROA % is 5.85% 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 Rp640.00 is trading 40.2% below its estimated GF Value™ of Rp1,070.85.
GuruFocus considers PT Pacific Strategic Financial Tbk to be Possible Value Trap.
Key valuation signals for ISX:APIC:
ROA %: 5.85% (145% above median its 10-year median of 2.39)
GF Value™: Rp1,070.85 vs. price of Rp640.00 (40.2% below fair value)
Industry Position: 119.1% above the Insurance median (#339 of 509)
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.
53GF Score
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