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 Pacific Strategic Financial Tbk's 3-Year RORE % for the quarter that ended in Mar. 2026 was 2.23%.
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 Pacific Strategic Financial Tbk 3-Year RORE % Related Terms
PT Pacific Strategic Financial 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.
ISX:APIC vs AFL, MET, PRU: 3-Year RORE % Comparison
For the Insurance - Life subindustry, PT Pacific Strategic Financial 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 Pacific Strategic Financial Tbk 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Pacific Strategic Financial Tbk's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where PT Pacific Strategic Financial 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 Pacific Strategic Financial Tbk (ISX:APIC) has a 3-Year RORE % of 2.23 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 Pacific Strategic Financial Tbk and its competitors. According to the industry distribution chart, PT Pacific Strategic Financial Tbk ranks #303 out of 472 companies in the Insurance industry, placing it in the top 64.2%.
Is PT Pacific Strategic Financial Tbk's 3-Year RORE % too high?
PT Pacific Strategic Financial Tbk's current 3-Year RORE % is 2.23. The Insurance industry median 3-Year RORE % is 12.05. PT Pacific Strategic Financial Tbk's value of 2.23 is 81.5% below this industry median. Based on the distribution chart, PT Pacific Strategic Financial Tbk ranks #303 out of 472 companies in the Insurance industry, which is below the industry midpoint. Overall, PT Pacific Strategic Financial Tbk has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Pacific Strategic Financial Tbk's 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, PT Pacific Strategic Financial Tbk ranks #303 out of 472 companies for 3-Year RORE %. This places PT Pacific Strategic Financial Tbk in the lower half of its industry. The industry median 3-Year RORE % is 12.05. PT Pacific Strategic Financial Tbk's value of 2.23 is 81.5% 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 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 Pacific Strategic Financial Tbk's current 3-Year RORE % of 2.23 is 81.5% 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 Pacific Strategic Financial 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 Pacific Strategic Financial Tbk's current 3-Year RORE % is 2.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Pacific Strategic Financial Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Pacific Strategic Financial Tbk (ISX:APIC) is currently considered Possible Value Trap. The stock's GF Value™ is Rp1,069.56, compared to a current price of Rp635.00 — trading 40.6% below its estimated fair value. The current 3-Year RORE % is 2.23 and 81.5% below the Insurance industry median of 12.05. PT Pacific Strategic Financial Tbk's overall GF Score™ is 59/100 with 7 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 Pacific Strategic Financial Tbk (ISX:APIC), the current 3-Year RORE % is 2.23 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 Pacific Strategic Financial Tbk (ISX:APIC) Overvalued in 2026?
Based on GuruFocus' analysis, PT Pacific Strategic Financial Tbk stock appears to be undervalued.
The current stock price of Rp635.00 is trading 40.6% below its estimated GF Value™ of Rp1,069.56.
GuruFocus considers PT Pacific Strategic Financial Tbk to be Possible Value Trap.
Key valuation signals for ISX:APIC:
3-Year RORE %: 2.23
GF Value™: Rp1,069.56 vs. price of Rp635.00 (40.6% below fair value)
Industry Position: 81.5% below the Insurance median (#303 of 472)
No single metric tells the full story. See the ISX:APIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Pacific Strategic Financial Tbk Business Description
PT Pacific Strategic Financial Tbk is an Indonesian company that carries out activities as an investment company and engages in capital investment through its subsidiaries. It runs its business in the field of investment on securities trading, investment managers, and financial management, as well as other financing institutions. The services provided by the company through its subsidiaries include investment management services for mutual funds and other investments; financial management services, as well as venture capital and consumer financing, and conventional and sharia life insurance services.
59GF Score
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