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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 Multi Artha Guna Tbk's 3-Year RORE % for the quarter that ended in Mar. 2026 was 10.53%.
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 Multi Artha Guna Tbk 3-Year RORE % Related Terms
PT Asuransi Multi Artha Guna Tbk 3-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.
PT Asuransi Multi Artha Guna Tbk 3-Year RORE % Chart
ISX:AMAG vs CB, PGR, TRV: 3-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, PT Asuransi Multi Artha Guna 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 Multi Artha Guna Tbk 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Multi Artha Guna Tbk's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where PT Asuransi Multi Artha Guna Tbk's 3-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 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.
PT Asuransi Multi Artha Guna Tbk (ISX:AMAG) has a 3-Year RORE % of 10.53 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 Multi Artha Guna Tbk and its competitors. According to the industry distribution chart, PT Asuransi Multi Artha Guna Tbk ranks #242 out of 473 companies in the Insurance industry, placing it in the top 51.2%.
Is PT Asuransi Multi Artha Guna Tbk's 3-Year RORE % too high?
PT Asuransi Multi Artha Guna Tbk's current 3-Year RORE % is 10.53. The Insurance industry median 3-Year RORE % is 11.46. PT Asuransi Multi Artha Guna Tbk's value of 10.53 is 8.1% below this industry median. Based on the distribution chart, PT Asuransi Multi Artha Guna Tbk ranks #242 out of 473 companies in the Insurance industry, which is below the industry midpoint. Overall, PT Asuransi Multi Artha Guna Tbk has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Multi Artha Guna Tbk's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, PT Asuransi Multi Artha Guna Tbk ranks #242 out of 473 companies for 3-Year RORE %. This places PT Asuransi Multi Artha Guna Tbk in the lower half of its industry. The industry median 3-Year RORE % is 11.46. PT Asuransi Multi Artha Guna Tbk's value of 10.53 is 8.1% 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 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.46, based on 473 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 Multi Artha Guna Tbk's current 3-Year RORE % of 10.53 is 8.1% 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 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 Multi Artha Guna Tbk and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Multi Artha Guna Tbk's current 3-Year RORE % is 10.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Multi Artha Guna Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Multi Artha Guna Tbk (ISX:AMAG) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp450.76, compared to a current price of Rp384.00 — trading 14.8% below its estimated fair value. The current 3-Year RORE % is 10.53 and 8.1% below the Insurance industry median of 11.46. PT Asuransi Multi Artha Guna Tbk's overall GF Score™ is 69/100 with 4 warning signs 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 Multi Artha Guna Tbk (ISX:AMAG), the current 3-Year RORE % is 10.53 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 Multi Artha Guna Tbk (ISX:AMAG) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Multi Artha Guna Tbk stock appears to be undervalued.
The current stock price of Rp384.00 is trading 14.8% below its estimated GF Value™ of Rp450.76.
GuruFocus considers PT Asuransi Multi Artha Guna Tbk to be Modestly Undervalued.
Key valuation signals for ISX:AMAG:
3-Year RORE %: 10.53
GF Value™: Rp450.76 vs. price of Rp384.00 (14.8% below fair value)
Industry Position: 8.1% below the Insurance median (#242 of 473)
No single metric tells the full story. See the ISX:AMAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Multi Artha Guna Tbk Business Description
PT Asuransi Multi Artha Guna Tbk is an insurance company. The company provides insurance in the areas of fire, earthquake, property, engineering, motor, heavy equipment, cargo, burglary, money, personal accident, health, travel, and suretyship. It also provides insurance for cash in ATM, car loan insurance, retail credit insurance, oil and gas insurance, insurance for cash in management, insurance for garage keeper liability, business protection plus insurance, and comprehensive machinery insurance. The company's reportable segments are based on the class of insurance business and include Motor vehicles, Health, Fire and Others. Maximum revenue is generated from the Motor vehicles segment.
69GF Score
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