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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 Asuransi Tugu Pratama Indonesia Tbk's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 5.36%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
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 Asuransi Tugu Pratama Indonesia Tbk 3-Year ROIIC % Related Terms
PT Asuransi Tugu Pratama Indonesia 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.
PT Asuransi Tugu Pratama Indonesia Tbk 3-Year ROIIC % Chart
PT Asuransi Tugu Pratama Indonesia Tbk Annual Data
ISX:TUGU vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, PT Asuransi Tugu Pratama Indonesia 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 Asuransi Tugu Pratama Indonesia Tbk 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Tugu Pratama Indonesia Tbk's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where PT Asuransi Tugu Pratama Indonesia 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 Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU) has a 3-Year ROIIC % of 5.36 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 Asuransi Tugu Pratama Indonesia Tbk and its competitors. This is 129% above median its historical median of 2.34. According to the industry distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #165 out of 337 companies in the Insurance industry, placing it in the top 49%.
Is PT Asuransi Tugu Pratama Indonesia Tbk's 3-Year ROIIC % too high?
PT Asuransi Tugu Pratama Indonesia Tbk's current 3-Year ROIIC % of 5.36 is 129% above median its 10-year median of 2.34. The Insurance industry median 3-Year ROIIC % is 5.12. PT Asuransi Tugu Pratama Indonesia Tbk's value of 5.36 is 4.7% above this industry median. Based on the distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #165 out of 337 companies in the Insurance industry, which is above the industry midpoint. Overall, PT Asuransi Tugu Pratama Indonesia Tbk has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Tugu Pratama Indonesia Tbk's 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #165 out of 337 companies for 3-Year ROIIC %. This puts PT Asuransi Tugu Pratama Indonesia Tbk in the upper half of its industry. The industry median 3-Year ROIIC % is 5.12. PT Asuransi Tugu Pratama Indonesia Tbk's value of 5.36 is 4.7% above this benchmark. While the company's 10-year median is 2.34 vs. the industry median of 5.12, PT Asuransi Tugu Pratama Indonesia 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 5.12, based on 337 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 Asuransi Tugu Pratama Indonesia Tbk's current 3-Year ROIIC % of 5.36 is 4.7% 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 Asuransi Tugu Pratama Indonesia Tbk and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Tugu Pratama Indonesia Tbk's current 3-Year ROIIC % is 5.36, which is 129% above median its own 10-year median of 2.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Tugu Pratama Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp1,401.40, compared to a current price of Rp1,235.00 — trading 11.9% below its estimated fair value. The current 3-Year ROIIC % is 5.36, which is 129% above median its 10-year median of 2.34 and 4.7% above the Insurance industry median of 5.12. PT Asuransi Tugu Pratama Indonesia Tbk's overall GF Score™ is 84/100 with 3 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 Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU), the current 3-Year ROIIC % is 5.36 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 Asuransi Tugu Pratama Indonesia Tbk (ISX:TUGU) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Tugu Pratama Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp1,235.00 is trading 11.9% below its estimated GF Value™ of Rp1,401.40.
GuruFocus considers PT Asuransi Tugu Pratama Indonesia Tbk to be Modestly Undervalued.
Key valuation signals for ISX:TUGU:
3-Year ROIIC %: 5.36 (129% above median its 10-year median of 2.34)
GF Value™: Rp1,401.40 vs. price of Rp1,235.00 (11.9% below fair value)
Industry Position: 4.7% above the Insurance median (#165 of 337)
No single metric tells the full story. See the ISX:TUGU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Tugu Pratama Indonesia Tbk is an insurance company. It has four business segments namely General insurance; Reinsurance; Rental and related business; and Others. Geographically, it derives the majority of its revenue from Indonesia. Its products include Fire and Property, Health, Personal, Aviation, Marine Hull, Cargo and Protection and Indemnity, Engineering, and other Miscellaneous insurance.
84GF Score
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