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PT Asuransi Ramayana TbkISX:ASRM +0.80%55 5-Year Yield-on-Cost % is 1.20 as of Jul. 15, 2026, which is 75% below its 10-year median of 4.87. GuruFocus rates ISX:ASRM with a GF Score™ of 55/100 and a GF Value™ of Rp254.13 (Fairly Valued). The stock has 3 warning signs investors should review. Among 419 Insurance companies, PT Asuransi Ramayana Tbk ranks worse than 89.26% on this metric.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
PT Asuransi Ramayana Tbk 5-Year Yield-on-Cost % Related Terms
ISX:ASRM vs CB, PGR, TRV: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, PT Asuransi Ramayana Tbk's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Ramayana Tbk 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Ramayana Tbk's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where PT Asuransi Ramayana Tbk's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
PT Asuransi Ramayana Tbk (ISX:ASRM) has a 5-Year Yield-on-Cost % of 1.20 as of Jul. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PT Asuransi Ramayana Tbk and its competitors. This is 75% below median its historical median of 4.87. Over the past decade, PT Asuransi Ramayana Tbk's 5-Year Yield-on-Cost % has ranged from 1.20 to 8.33. According to the industry distribution chart, PT Asuransi Ramayana Tbk ranks #374 out of 419 companies in the Insurance industry, placing it in the top 89.3%.
Is PT Asuransi Ramayana Tbk's 5-Year Yield-on-Cost % too high?
PT Asuransi Ramayana Tbk's current 5-Year Yield-on-Cost % of 1.20 is 75% below median its 10-year median of 4.87. Over the past 10 years, this metric has ranged from a low of 1.20 to a high of 8.33. The Insurance industry median 5-Year Yield-on-Cost % is 3.99. PT Asuransi Ramayana Tbk's value of 1.20 is 69.9% below this industry median. Based on the distribution chart, PT Asuransi Ramayana Tbk ranks #374 out of 419 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PT Asuransi Ramayana Tbk has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Ramayana Tbk's 5-Year Yield-on-Cost % compare to CB and PGR?
According to the Insurance industry distribution chart, PT Asuransi Ramayana Tbk ranks #374 out of 419 companies for 5-Year Yield-on-Cost %. This places PT Asuransi Ramayana Tbk in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.99. PT Asuransi Ramayana Tbk's value of 1.20 is 69.9% below this benchmark. Historically, PT Asuransi Ramayana Tbk's own 5-Year Yield-on-Cost % has ranged from 1.20 to 8.33 over the past decade. While the company's 10-year median is 4.87 vs. the industry median of 3.99, PT Asuransi Ramayana Tbk has consistently been below 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.99, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Asuransi Ramayana Tbk's current 5-Year Yield-on-Cost % of 1.20 is 69.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PT Asuransi Ramayana Tbk and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Ramayana Tbk's current 5-Year Yield-on-Cost % is 1.20, which is 75% below median its own 10-year median of 4.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Ramayana Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Asuransi Ramayana Tbk (ISX:ASRM) is currently considered Fairly Valued. The stock's GF Value™ is Rp254.13, compared to a current price of Rp252.00 — trading 0.8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 1.20, which is 75% below median its 10-year median of 4.87 and 69.9% below the Insurance industry median of 3.99. PT Asuransi Ramayana Tbk's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For PT Asuransi Ramayana Tbk (ISX:ASRM), the current 5-Year Yield-on-Cost % is 1.20 as of Jul. 15, 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 Ramayana Tbk (ISX:ASRM) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Ramayana Tbk stock appears to be undervalued.
The current stock price of Rp252.00 is trading 0.8% below its estimated GF Value™ of Rp254.13.
GuruFocus considers PT Asuransi Ramayana Tbk to be Fairly Valued.
Key valuation signals for ISX:ASRM:
5-Year Yield-on-Cost %: 1.20 (75% below median its 10-year median of 4.87)
GF Value™: Rp254.13 vs. price of Rp252.00 (0.8% below fair value)
Industry Position: 69.9% below the Insurance median (#374 of 419)
No single metric tells the full story. See the ISX:ASRM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Ramayana Tbk is an Indonesia-based company engaged in the general insurance business. The products of the company include property insurance, motor vehicle insurance, engineering insurance, marine insurance, health insurance, aviation insurance, electronic equipment insurance, machinery breakdown insurance, personal accident insurance, money insurance, surety bonds, and others. The firm operates through the General Insurance and Office Building Rental segments.
55GF Score
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