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3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
PT Sinar Mas Multiartha Tbk's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 31.14%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for PT Sinar Mas Multiartha Tbk's 3-Year ROIIC % or its related term are showing as below:
ISX:SMMA's 3-Year ROIIC % is ranked better than 84.73% of 334
companies
in the Insurance industry
Industry Median: 5.275
vs ISX:SMMA: 31.14
PT Sinar Mas Multiartha Tbk (ISX:SMMA) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
PT Sinar Mas Multiartha Tbk 3-Year ROIIC % Related Terms
PT Sinar Mas Multiartha Tbk 3-Year ROIIC % 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.
ISX:SMMA vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, PT Sinar Mas Multiartha Tbk's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 Sinar Mas Multiartha Tbk 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Sinar Mas Multiartha Tbk's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where PT Sinar Mas Multiartha Tbk's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
PT Sinar Mas Multiartha Tbk (ISX:SMMA) has a 3-Year ROIIC % of 31.14 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on PT Sinar Mas Multiartha Tbk and its competitors. This is 679% above median its historical median of 4.00. According to the industry distribution chart, PT Sinar Mas Multiartha Tbk ranks #51 out of 334 companies in the Insurance industry, placing it in the top 15.3%.
Is PT Sinar Mas Multiartha Tbk's 3-Year ROIIC % too high?
PT Sinar Mas Multiartha Tbk's current 3-Year ROIIC % of 31.14 is 679% above median its 10-year median of 4.00. The Insurance industry median 3-Year ROIIC % is 5.28. PT Sinar Mas Multiartha Tbk's value of 31.14 is 490.3% above this industry median. Based on the distribution chart, PT Sinar Mas Multiartha Tbk ranks #51 out of 334 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, PT Sinar Mas Multiartha Tbk has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Sinar Mas Multiartha Tbk's 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, PT Sinar Mas Multiartha Tbk ranks #51 out of 334 companies for 3-Year ROIIC %. This places PT Sinar Mas Multiartha Tbk in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.28. PT Sinar Mas Multiartha Tbk's value of 31.14 is 490.3% above this benchmark. While the company's 10-year median is 4.00 vs. the industry median of 5.28, PT Sinar Mas Multiartha 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.28, based on 334 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Sinar Mas Multiartha Tbk's current 3-Year ROIIC % of 31.14 is 490.3% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on PT Sinar Mas Multiartha Tbk and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Sinar Mas Multiartha Tbk's current 3-Year ROIIC % is 31.14, which is 679% above median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Sinar Mas Multiartha Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Sinar Mas Multiartha Tbk (ISX:SMMA) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp15,059.99, compared to a current price of Rp20,500.00 — trading 36.1% above its estimated fair value. The current 3-Year ROIIC % is 31.14, which is 679% above median its 10-year median of 4.00 and 490.3% above the Insurance industry median of 5.28. PT Sinar Mas Multiartha Tbk's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For PT Sinar Mas Multiartha Tbk (ISX:SMMA), the current 3-Year ROIIC % is 31.14 as of Dec. 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 Sinar Mas Multiartha Tbk (ISX:SMMA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Sinar Mas Multiartha Tbk stock appears to be overvalued.
The current stock price of Rp20,500.00 is trading 36.1% above its estimated GF Value™ of Rp15,059.99.
GuruFocus considers PT Sinar Mas Multiartha Tbk to be Significantly Overvalued.
Key valuation signals for ISX:SMMA:
3-Year ROIIC %: 31.14 (679% above median its 10-year median of 4.00)
GF Value™: Rp15,059.99 vs. price of Rp20,500.00 (36.1% above fair value)
Industry Position: 490.3% above the Insurance median (#51 of 334)
No single metric tells the full story. See the ISX:SMMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Sinar Mas Multiartha Tbk provides an integrated and comprehensive range of financial services in Indonesia. The company is engaged in insurance underwriting, consumer financing, factoring of accounts, securities administration, securities brokerage, investment management, banking, development, Information technology, trading, and other related services. It is also involved in the auction house, property, health clinic, and workshop activities.
63GF Score
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