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PT Asuransi Multi Artha Guna Tbk (ISX:AMAG) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
PT Asuransi Multi Artha Guna Tbk ROE % Related Terms
PT Asuransi Multi Artha Guna Tbk ROE % 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 Multi Artha Guna Tbk's ROE %, along with its competitors' market caps and ROE % 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 Multi Artha Guna Tbk ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Multi Artha Guna Tbk's ROE % distribution charts can be found below:
* The bar in red indicates where PT Asuransi Multi Artha Guna Tbk's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
PT Asuransi Multi Artha Guna Tbk (ISX:AMAG) has a ROE % of 17.28% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT Asuransi Multi Artha Guna Tbk and its competitors. This is 126% above median its historical median of 7.64. Over the past decade, PT Asuransi Multi Artha Guna Tbk's ROE % has ranged from 1.54 to 13.90. According to the industry distribution chart, PT Asuransi Multi Artha Guna Tbk ranks #286 out of 499 companies in the Insurance industry, placing it in the top 57.3%.
Is PT Asuransi Multi Artha Guna Tbk's ROE % too high?
PT Asuransi Multi Artha Guna Tbk's current ROE % of 17.28% is 126% above median its 10-year median of 7.64. Over the past 10 years, this metric has ranged from a low of 1.54 to a high of 13.90. The Insurance industry median ROE % is 12.05. PT Asuransi Multi Artha Guna Tbk's value of 17.28% is 43.4% above this industry median. Based on the distribution chart, PT Asuransi Multi Artha Guna Tbk ranks #286 out of 499 companies in the Insurance industry, which is below the industry midpoint. Overall, PT Asuransi Multi Artha Guna Tbk has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Multi Artha Guna Tbk's ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, PT Asuransi Multi Artha Guna Tbk ranks #286 out of 499 companies for ROE %. This places PT Asuransi Multi Artha Guna Tbk in the lower half of its industry. The industry median ROE % is 12.05. PT Asuransi Multi Artha Guna Tbk's value of 17.28% is 43.4% above this benchmark. Historically, PT Asuransi Multi Artha Guna Tbk's own ROE % has ranged from 1.54 to 13.90 over the past decade. While the company's 10-year median is 7.64 vs. the industry median of 12.05, PT Asuransi Multi Artha Guna 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 12.05, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Asuransi Multi Artha Guna Tbk's current ROE % of 17.28% is 43.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT Asuransi Multi Artha Guna Tbk and its competitors. For the Insurance industry, the median ROE % is 12.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Multi Artha Guna Tbk's current ROE % is 17.28%, which is 126% above median its own 10-year median of 7.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Multi Artha Guna Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Multi Artha Guna Tbk (ISX:AMAG) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp453.27, compared to a current price of Rp390.00 — trading 14% below its estimated fair value. The current ROE % is 17.28%, which is 126% above median its 10-year median of 7.64 and 43.4% above the Insurance industry median of 12.05. PT Asuransi Multi Artha Guna Tbk's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For PT Asuransi Multi Artha Guna Tbk (ISX:AMAG), the current ROE % is 17.28% 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 Asuransi Multi Artha Guna Tbk (ISX:AMAG) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Multi Artha Guna Tbk stock appears to be undervalued.
The current stock price of Rp390.00 is trading 14% below its estimated GF Value™ of Rp453.27.
GuruFocus considers PT Asuransi Multi Artha Guna Tbk to be Modestly Undervalued.
Key valuation signals for ISX:AMAG:
ROE %: 17.28% (126% above median its 10-year median of 7.64)
GF Value™: Rp453.27 vs. price of Rp390.00 (14% below fair value)
Industry Position: 43.4% above the Insurance median (#286 of 499)
No single metric tells the full story. See the ISX:AMAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Multi Artha Guna Tbk is an insurance company. The company provides insurance in the areas of fire, earthquake, property, engineering, motor, heavy equipment, cargo, burglary, money, personal accident, health, travel, and suretyship. It also provides insurance for cash in ATM, car loan insurance, retail credit insurance, oil and gas insurance, insurance for cash in management, insurance for garage keeper liability, business protection plus insurance, and comprehensive machinery insurance. The company's reportable segments are based on the class of insurance business and include Motor vehicles, Health, Fire and Others. Maximum revenue is generated from the Motor vehicles segment.
59GF Score
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