Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
PT Sinar Mas Multiartha Tbk's 10-Year RORE % for the quarter that ended in Dec. 2025 was 4.89%.
The industry rank for PT Sinar Mas Multiartha Tbk's 10-Year RORE % or its related term are showing as below:
ISX:SMMA's 10-Year RORE % is ranked worse than 68.85% of 382
companies
in the Insurance industry
Industry Median: 12.755
vs ISX:SMMA: 4.89
PT Sinar Mas Multiartha Tbk (ISX:SMMA) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
PT Sinar Mas Multiartha Tbk 10-Year RORE % Related Terms
PT Sinar Mas Multiartha Tbk 10-Year RORE % 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: 10-Year RORE % Comparison
For the Insurance - Diversified subindustry, PT Sinar Mas Multiartha Tbk's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Sinar Mas Multiartha Tbk's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where PT Sinar Mas Multiartha Tbk's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 10-year before.
PT Sinar Mas Multiartha Tbk (ISX:SMMA) has a 10-Year RORE % of 4.89 as of Dec. 2025. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on PT Sinar Mas Multiartha Tbk and its competitors. According to the industry distribution chart, PT Sinar Mas Multiartha Tbk ranks #263 out of 382 companies in the Insurance industry, placing it in the top 68.8%.
Is PT Sinar Mas Multiartha Tbk's 10-Year RORE % too high?
PT Sinar Mas Multiartha Tbk's current 10-Year RORE % is 4.89. The Insurance industry median 10-Year RORE % is 12.76. PT Sinar Mas Multiartha Tbk's value of 4.89 is 61.7% below this industry median. Based on the distribution chart, PT Sinar Mas Multiartha Tbk ranks #263 out of 382 companies in the Insurance industry, which is below the industry midpoint. 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 10-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, PT Sinar Mas Multiartha Tbk ranks #263 out of 382 companies for 10-Year RORE %. This places PT Sinar Mas Multiartha Tbk in the lower half of its industry. The industry median 10-Year RORE % is 12.76. PT Sinar Mas Multiartha Tbk's value of 4.89 is 61.7% 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 10-Year RORE % for an Insurance company?
The median 10-Year RORE % among Insurance companies is 12.76, based on 382 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Sinar Mas Multiartha Tbk's current 10-Year RORE % of 4.89 is 61.7% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on PT Sinar Mas Multiartha Tbk and its competitors. For the Insurance industry, the median 10-Year RORE % is 12.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Sinar Mas Multiartha Tbk's current 10-Year RORE % is 4.89. 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 Rp15,068.49, compared to a current price of Rp20,200.00 — trading 34.1% above its estimated fair value. The current 10-Year RORE % is 4.89 and 61.7% below the Insurance industry median of 12.76. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For PT Sinar Mas Multiartha Tbk (ISX:SMMA), the current 10-Year RORE % is 4.89 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 Rp20,200.00 is trading 34.1% above its estimated GF Value™ of Rp15,068.49.
GuruFocus considers PT Sinar Mas Multiartha Tbk to be Significantly Overvalued.
Key valuation signals for ISX:SMMA:
10-Year RORE %: 4.89
GF Value™: Rp15,068.49 vs. price of Rp20,200.00 (34.1% above fair value)
Industry Position: 61.7% below the Insurance median (#263 of 382)
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
Get the complete analysis for ISX:SMMA
10-Year RORE % 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:SMMA has been successfully added to your 
