ISX:ASMI's ROA % is ranked worse than 55.88% of 510
companies
in the Insurance industry
Industry Median: 2.68
vs ISX:ASMI: 2.18
PT Asuransi Maximus Graha Persada Tbk (ISX:ASMI) 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 (Sep. 2025) net income data. The Revenue data used here is four times the quarterly (Sep. 2025) 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 Maximus Graha Persada Tbk ROA % Related Terms
PT Asuransi Maximus Graha Persada 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 Maximus Graha Persada 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 Maximus Graha Persada Tbk ROA % vs Insurance Industry
* 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 (Sep. 2025) net income data.
ROA % is displayed in the 30-year financial page.
PT Asuransi Maximus Graha Persada Tbk (ISX:ASMI) has a ROA % of 0.44% as of Sep. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Asuransi Maximus Graha Persada Tbk and its competitors. This is 67% below median its historical median of 1.34. According to the industry distribution chart, PT Asuransi Maximus Graha Persada Tbk ranks #285 out of 510 companies in the Insurance industry, placing it in the top 55.9%.
Is PT Asuransi Maximus Graha Persada Tbk's ROA % too high?
PT Asuransi Maximus Graha Persada Tbk's current ROA % of 0.44% is 67% below median its 10-year median of 1.34. The Insurance industry median ROA % is 2.68. PT Asuransi Maximus Graha Persada Tbk's value of 0.44% is 83.6% below this industry median. Based on the distribution chart, PT Asuransi Maximus Graha Persada Tbk ranks #285 out of 510 companies in the Insurance industry, which is below the industry midpoint. Overall, PT Asuransi Maximus Graha Persada Tbk has a GF Score™ of 64/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Maximus Graha Persada Tbk's ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, PT Asuransi Maximus Graha Persada Tbk ranks #285 out of 510 companies for ROA %. This places PT Asuransi Maximus Graha Persada Tbk in the lower half of its industry. The industry median ROA % is 2.68. PT Asuransi Maximus Graha Persada Tbk's value of 0.44% is 83.6% below this benchmark. While the company's 10-year median is 1.34 vs. the industry median of 2.68, PT Asuransi Maximus Graha Persada 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.68, based on 510 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 Maximus Graha Persada Tbk's current ROA % of 0.44% is 83.6% 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 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 Maximus Graha Persada Tbk and its competitors. For the Insurance industry, the median ROA % is 2.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Maximus Graha Persada Tbk's current ROA % is 0.44%, which is 67% below median its own 10-year median of 1.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Maximus Graha Persada Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Maximus Graha Persada Tbk (ISX:ASMI) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp26.85, compared to a current price of Rp14.00 — trading 47.9% below its estimated fair value. The current ROA % is 0.44%, which is 67% below median its 10-year median of 1.34 and 83.6% below the Insurance industry median of 2.68. PT Asuransi Maximus Graha Persada Tbk's overall GF Score™ is 64/100 with 3 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 Asuransi Maximus Graha Persada Tbk (ISX:ASMI), the current ROA % is 0.44% as of Sep. 2025. 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 Maximus Graha Persada Tbk (ISX:ASMI) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Maximus Graha Persada Tbk stock appears to be undervalued.
The current stock price of Rp14.00 is trading 47.9% below its estimated GF Value™ of Rp26.85.
GuruFocus considers PT Asuransi Maximus Graha Persada Tbk to be Significantly Undervalued.
Key valuation signals for ISX:ASMI:
ROA %: 0.44% (67% below median its 10-year median of 1.34)
GF Value™: Rp26.85 vs. price of Rp14.00 (47.9% below fair value)
Industry Position: 83.6% below the Insurance median (#285 of 510)
No single metric tells the full story. See the ISX:ASMI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Maximus Graha Persada Tbk Business Description
PT Asuransi Maximus Graha Persada Tbk is an Indonesia-based insurance service provider. The company provides insurance services such as motor vehicle insurance, travel insurance, property insurance, marine cargo insurance, money insurance, engineering insurance, and other insurance. The group's operations are located in the geographical areas of Indonesia, namely, Sumatera, Java, Bali, Sulawesi, and Kalimantan. It derives the majority of its revenue from the operations in Jawa. The organization generates prime underwriting revenue by providing motor vehicle insurance services.
64GF Score
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