PT Asuransi Bina Dana Arta Tbk (ISX:ABDA) 3-Year RORE % : 14.29% (As of Mar. 2026)


ISX:ABDA PT Asuransi Bina Dana Arta Tbk ISX:ABDA
61 GF Score
Price Rp3,400.00
GF Value Rp5,020.84
Valuation Significantly Undervalued
! 1 Warning Sign
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What is PT Asuransi Bina Dana Arta Tbk 3-Year RORE %?

PT Asuransi Bina Dana Arta Tbk ISX:ABDA -0.87% 61 3-Year RORE % is 14.29 as of Mar. 2026. GuruFocus rates ISX:ABDA with a GF Score™ of 61/100 and a GF Value™ of Rp5,020.84 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 472 Insurance companies, PT Asuransi Bina Dana Arta Tbk ranks better than 52.97% on this metric.

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 Asuransi Bina Dana Arta Tbk's 3-Year RORE % for the quarter that ended in Mar. 2026 was 14.29%.

The industry rank for PT Asuransi Bina Dana Arta Tbk's 3-Year RORE % or its related term are showing as below:

ISX:ABDA's 3-Year RORE % is ranked better than
52.97% of 472 companies
in the Insurance industry
Industry Median: 12.05 vs ISX:ABDA: 14.29

PT Asuransi Bina Dana Arta Tbk  (ISX:ABDA) 3-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, 3-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 Asuransi Bina Dana Arta Tbk 3-Year RORE % Related Terms


PT Asuransi Bina Dana Arta Tbk 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for PT Asuransi Bina Dana Arta Tbk's 3-Year RORE % can be seen below:

* 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 Bina Dana Arta Tbk 3-Year RORE % Chart

PT Asuransi Bina Dana Arta Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 37.40 -18.38 -30.21 -32.31 6.69

PT Asuransi Bina Dana Arta Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -6.78 -6.47 4.43 6.69 14.29

ISX:ABDA vs CB, PGR, TRV: 3-Year RORE % Comparison

For the Insurance - Property & Casualty subindustry, PT Asuransi Bina Dana Arta Tbk's 3-Year RORE %, along with its competitors' market caps and 3-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 Asuransi Bina Dana Arta Tbk 3-Year RORE % vs Insurance Industry

For the Insurance industry and Financial Services sector, PT Asuransi Bina Dana Arta Tbk's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where PT Asuransi Bina Dana Arta Tbk's 3-Year RORE % falls into.


ISX:ABDA
61GF Score
PT Asuransi Bina Dana Arta Tbk ISX:ABDA
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Asuransi Bina Dana Arta Tbk 3-Year RORE % Calculation

PT Asuransi Bina Dana Arta Tbk's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 168.339-116 )/( 366.191-0 )
=52.339/366.191
=14.29 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 14.29 mean?
PT Asuransi Bina Dana Arta Tbk (ISX:ABDA) has a 3-Year RORE % of 14.29 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on PT Asuransi Bina Dana Arta Tbk and its competitors. According to the industry distribution chart, PT Asuransi Bina Dana Arta Tbk ranks #222 out of 472 companies in the Insurance industry, placing it in the top 47%.
Is PT Asuransi Bina Dana Arta Tbk's 3-Year RORE % too high?
PT Asuransi Bina Dana Arta Tbk's current 3-Year RORE % is 14.29. The Insurance industry median 3-Year RORE % is 12.05. PT Asuransi Bina Dana Arta Tbk's value of 14.29 is 18.6% above this industry median. Based on the distribution chart, PT Asuransi Bina Dana Arta Tbk ranks #222 out of 472 companies in the Insurance industry, which is above the industry midpoint. Overall, PT Asuransi Bina Dana Arta Tbk has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Bina Dana Arta Tbk's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, PT Asuransi Bina Dana Arta Tbk ranks #222 out of 472 companies for 3-Year RORE %. This puts PT Asuransi Bina Dana Arta Tbk in the upper half of its industry. The industry median 3-Year RORE % is 12.05. PT Asuransi Bina Dana Arta Tbk's value of 14.29 is 18.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 12.05, based on 472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Asuransi Bina Dana Arta Tbk's current 3-Year RORE % of 14.29 is 18.6% 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 RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on PT Asuransi Bina Dana Arta Tbk and its competitors. For the Insurance industry, the median 3-Year RORE % is 12.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Bina Dana Arta Tbk's current 3-Year RORE % is 14.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Bina Dana Arta Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Bina Dana Arta Tbk (ISX:ABDA) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp5,020.84, compared to a current price of Rp3,400.00 — trading 32.3% below its estimated fair value. The current 3-Year RORE % is 14.29 and 18.6% above the Insurance industry median of 12.05. PT Asuransi Bina Dana Arta Tbk's overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For PT Asuransi Bina Dana Arta Tbk (ISX:ABDA), the current 3-Year RORE % is 14.29 as of Mar. 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 Bina Dana Arta Tbk (ISX:ABDA) Overvalued in 2026?

Based on GuruFocus' analysis, PT Asuransi Bina Dana Arta Tbk stock appears to be undervalued. The current stock price of Rp3,400.00 is trading 32.3% below its estimated GF Value™ of Rp5,020.84. GuruFocus considers PT Asuransi Bina Dana Arta Tbk to be Significantly Undervalued.

Key valuation signals for ISX:ABDA:

  • 3-Year RORE %: 14.29
  • GF Value™: Rp5,020.84 vs. price of Rp3,400.00 (32.3% below fair value)
  • GF Score™: 61/100 with 1 warning sign
  • Industry Position: 18.6% above the Insurance median (#222 of 472)

No single metric tells the full story. See the ISX:ABDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Asuransi Bina Dana Arta Tbk Business Description

Address Jalan Jenderal Sudirman Kav. 59, RT. 5 RW. 3, Plaza Asia, 27th Floor, Senayan, Kec. Kebayoran Baru, South Jakarta, Jakarta, IDN, 12190
PT Asuransi Bina Dana Arta Tbk is an Indonesian-based insurance service provider. It provides insurance services protection against any losses, such as fire, vehicles, engineering, liability, transportation, heavy equipment and machinery, health protection, and others. The company generates the majority of the premium revenue from the Motor vehicle insurance services it provides. Geographically, the group operations in Indonesia are carried out in Sumatra and Batam, Kalimantan, Jawa, Sulawesi, Bali, and Greater Jakarta, of which key revenue is derived from Greater Jakarta.
61GF Score

Get the complete analysis for ISX:ABDA

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp3,400.00
Price
Rp5,020.84
GF Value