ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. PT Asuransi Maximus Graha Persada Tbk's annualized return on invested capital (ROIC %) for the quarter that ended in Sep. 2025 was 0.92%.
PT Asuransi Maximus Graha Persada Tbk (ISX:ASMI) ROIC % Explanation
ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.
There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.
Why is ROIC % important?
Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, PT Asuransi Maximus Graha Persada Tbk's WACC % is 17.24%. PT Asuransi Maximus Graha Persada Tbk's ROIC % is 2.62% (calculated using TTM income statement data).
PT Asuransi Maximus Graha Persada Tbk earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
Like ROE % and ROA %, ROIC % is calculated with only 12 months of 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.
PT Asuransi Maximus Graha Persada Tbk ROIC % Related Terms
PT Asuransi Maximus Graha Persada Tbk ROIC % 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.
PT Asuransi Maximus Graha Persada Tbk ROIC % Chart
For the Insurance - Property & Casualty subindustry, PT Asuransi Maximus Graha Persada Tbk's ROIC %, along with its competitors' market caps and ROIC % 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 ROIC % vs Insurance Industry
Note:
The EBIT data used here is four times the quarterly (Sep. 2025) data.
The tax rate is limited to between 0% and 100%.
* 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.
PT Asuransi Maximus Graha Persada Tbk (ISX:ASMI) has a ROIC % of 0.92% as of Sep. 2025. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on PT Asuransi Maximus Graha Persada Tbk and its competitors.
Is PT Asuransi Maximus Graha Persada Tbk's ROIC % too high?
PT Asuransi Maximus Graha Persada Tbk's current ROIC % is 0.92%. The Insurance industry median ROIC % is 3.36. PT Asuransi Maximus Graha Persada Tbk's value of 0.92% is 72.6% below this industry median. 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 ROIC % compare to CB and PGR?
PT Asuransi Maximus Graha Persada Tbk's ROIC % of 0.92% can be compared against companies in the Insurance industry. The industry median ROIC % is 3.36. PT Asuransi Maximus Graha Persada Tbk's value of 0.92% is 72.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROIC % for an Insurance company?
The median ROIC % among Insurance companies is 3.36, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a ROIC % significantly above this median, while those in the bottom quartile fall well below. However, ROIC % 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 ROIC % of 0.92% is 72.6% 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 ROIC % mean?
A high ROIC % can signal that a stock is expensive relative to its fundamentals. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on PT Asuransi Maximus Graha Persada Tbk and its competitors. For the Insurance industry, the median ROIC % is 3.36 — 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 ROIC % is 0.92%. 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 ROIC % is 0.92% and 72.6% below the Insurance industry median of 3.36. 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 ROIC % calculated?
ROIC % is calculated from a company's financial statements. For PT Asuransi Maximus Graha Persada Tbk (ISX:ASMI), the current ROIC % is 0.92% 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:
ROIC %: 0.92%
GF Value™: Rp26.85 vs. price of Rp14.00 (47.9% below fair value)
Industry Position: 72.6% below the Insurance median
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
Get the complete analysis for ISX:ASMI
ROIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:ASMI has been successfully added to your 
