ASRM
Asuransi Ramayana Tbk.
270
09 Oct 2026
PER
18,07
PBV
0,49
ROE
2,65%
Current Ratio
—
DER
96,77%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Sektor
Keuangan
Sub Sektor
Asuransi
Industri
Asuransi
Sub Industri
Asuransi Umum
Business Line
—
Product & Commodity
—
Info Umum
Tanggal Pencatatan
—
Mata Uang
IDR
Email
—
Telepon
—
Alamat
Jalan Kebon Sirih No. 49 -, Jakarta
Tentang Perusahaan
PT Asuransi Ramayana Tbk, together with its subsidiaries, operates as a general insurance company in Indonesia. The company operates through two segments, General Insurance and Rental of Office Buildings. It offers fire, marine cargo, motor vehicle, property, health, money, personal accident, liability, freight, ship frame, marine hull, aviation, engineering, bond, and miscellaneous insurance products. The company also engages in office building and car rental activities. PT Asuransi Ramayana Tbk was founded in 1956 and is headquartered in Jakarta, Indonesia.
Rasio
Rasio Profitabilitas
Gross Profit Margin (TTM)
—
Operating Profit Margin (TTM)
—
Net Profit Margin (TTM)
1,35%
Management Effectiveness
ROA (TTM)
1,34%
ROE (TTM)
2,65%
Asset Turnover (TTM)
1,00x
Rasio Liquiditas & Leverage
Current Ratio
—
Quick Ratio
—
Debt to Equity Ratio (DER)
96,77%
Rasio Aktivitas
Perputaran Aset (TTM)
1,00x
Inventory Turnover (TTM)
—
Receivables Turnover (TTM)
146,41x
Valuasi
Current Valuation
Current PE Ratio (Annual)
15,94
Current PE Ratio (TTM)
18,07
Earning Yield (Annual)
6,27%
Earning Yield (TTM)
5,53%
Earning Yield (Greenblatt: EBIT/EV)
11,63%
Current Price to Book Value
0,49
Current Price to Sales (TTM)
0,25
Current Price to Cashflow (TTM)
91,22
EV to EBIT (TTM)
8,60
Fair Value (Graham Number)
431
Per Share
EPS (Annual)
17
EPS (TTM)
15
Book Value per Share
554
Revenue per Share (Annual)
1.123
Revenue per Share (TTM)
1.088
Cash Flow per Share (Annual)
3
Cash Flow per Share (TTM)
3
Ukuran Perusahaan
Market Cap
345,06 M
Enterprise Value
417,74 M
Saham Beredar
1,28 M
Total Aset
1,39 T
Total Ekuitas
707,76 M
Free Cash Flow (Annual)
3,79 M
Growth (TTM vs Tahun Terbaru)
Revenue Growth
-3,06%
Gross Profit Growth
—
Net Income Growth
-13,49%
Screening ala Graham
5 / 9
Bukan Saham Teknologi
Lulus
Termasuk Sektor Keuangan
Lulus
Revenue Lebih dari Rp175 Miliar
Lulus
Current Ratio > 2
Gagal
Utang Jangka Panjang < Modal Kerja Bersih
Gagal
PER Wajar (< 15)
Gagal
PER x PBV < 22
Lulus
DER Rendah (< 100%)
Lulus
Membagikan Dividen
Gagal
Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
3 / 9
Arus kas operasi positif
Lulus
ROA membaik
Gagal
Rasio utang jangka panjang menurun
Gagal
Kualitas laba (OCF > laba bersih)
Gagal
Laba bersih positif
Lulus
Jumlah saham tidak bertambah
Lulus
Gross margin membaik
Gagal
Current ratio membaik
Gagal
Asset turnover membaik
Gagal
Altman Z-Score
Data belum cukup untuk menghitung Altman Z-Score.
Graham Valuation
Fair Value (Graham Number)
431
Harga Saat Ini
270
Selisih
161
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Laba
Laba Naik
Laba Naik < 20%
Penjualan Turun < 20%
Hutang Turun < 20%
Pertumbuhan Rata-rata (CAGR)
Modal Naik Rata2 > 10%
Modal Naik Rata2 > 20%
Modal Naik Rata2 > 40%
Penjualan Naik Rata2 > 10%
Laba Naik Rata2 > 20%
Solvabilitas
DER < 0.5x
DER < 1x
Likuiditas
Aset Lancar > Hutang Lancar
Profitabilitas
ROE > 10%
Margin Laba Kotor > 20%
Margin Laba Kotor > 40%
Margin Laba Kotor > 60%
Margin Laba Kotor > 80%
Margin Laba Operasi > 10%
Margin Laba Operasi > 20%
Margin Laba Bersih > 10%
Margin Laba Bersih > 20%
Margin Laba Bersih > 30%
Valuasi
Nilai Buku < Harga
Laba Kotor
333,86 M
2018
350,52 M
2019
0
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Laba Bersih
76,59 M
2018
62,87 M
2019
65,55 M
2020
64,96 M
2021
86,49 M
2022
88,79 M
2023
48,16 M
2024
21,65 M
2025
Margin Laba Kotor
36,0%
2018
29,3%
2019
0,0%
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Margin Laba Operasi
4,0%
2018
4,7%
2019
0,0%
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Margin Laba Bersih
8,3%
2018
5,3%
2019
4,7%
2020
3,9%
2021
4,2%
2022
4,3%
2023
2,9%
2024
1,5%
2025
Imbal Hasil Aset (ROA)
-
2018
-
2019
-
2020
-
2021
5,3%
2022
6,7%
2023
3,1%
2024
1,6%
2025
Imbal Hasil Ekuitas (ROE)
-
2018
-
2019
-
2020
-
2021
14,1%
2022
13,7%
2023
7,2%
2024
3,1%
2025
Current Ratio
-
2018
-
2019
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Quick Ratio
-
2018
-
2019
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Debt to Equity Ratio (DER)
-
2018
-
2019
-
2020
-
2021
165,0%
2022
103,6%
2023
134,5%
2024
96,8%
2025
Perputaran Aset
-
2018
-
2019
-
2020
-
2021
1,26x
2022
1,56x
2023
1,06x
2024
1,03x
2025
Perputaran Persediaan
-
2018
-
2019
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Perputaran Piutang
-
2018
-
2019
-
2020
-
2021
3,98x
2022
72,41x
2023
43,66x
2024
151,04x
2025
Tren historis per tahun buku berdasarkan laporan laba rugi & neraca yang tersedia. Batang berwarna merah menandakan nilai negatif.
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.390.726.693.825 | 1.434.642.599.705 | 1.671.077.936.797 | 2.062.147.262.795 | 2.051.020.012.416 | 1.662.710.919.663 | 1.396.620.000.000 | 1.197.410.000.000 | 928.713.000.000 |
| Cost of Revenue | — | — | — | — | — | — | 0 | 846.892.000.000 | 594.848.000.000 |
| Gross Profit | — | — | — | — | — | — | 0 | 350.522.000.000 | 333.864.000.000 |
| Operating Expenses | — | — | — | — | — | — | 0 | 1.141.700.000.000 | 891.340.000.000 |
| Operating Income | — | — | — | — | — | — | 0 | 55.716.192.290 | 37.372.945.138 |
| EBIT | 48.566.043.661 | 47.411.861.693 | 66.111.479.811 | 107.539.440.092 | 91.964.165.905 | — | 0 | 55.716.192.290 | 37.372.945.138 |
| Income Before Tax | 30.780.272.419 | 33.255.136.164 | 57.642.187.426 | 106.229.973.998 | 90.081.897.136 | 77.767.898.297 | 76.829.288.523 | 75.010.199.318 | 88.198.904.566 |
| Net Income | 18.726.275.198 | 21.646.872.261 | 48.157.780.005 | 88.786.935.491 | 86.492.366.816 | 64.957.198.517 | 65.545.412.374 | 62.865.106.299 | 76.589.008.611 |
| Basic EPS | 14,94 | 16,94 | 37,68 | 69,52 | 67,62 | 50,71 | — | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 1.392.680.716.392 | 1.571.207.047.892 | 1.318.975.096.257 | 1.627.241.657.686 |
| Aset Lancar | 0 | 0 | 0 | 0 |
| Kas | 71.651.388.685 | 82.533.283.905 | 52.983.049.082 | 60.289.877.256 |
| Piutang | 9.498.570.833 | 38.270.520.139 | 28.480.546.341 | 514.823.171.913 |
| Persediaan | — | — | — | — |
| Total Liabilitas | 684.901.337.608 | 901.039.855.450 | 671.197.571.015 | 1.013.123.874.462 |
| Liabilitas Lancar | — | — | — | — |
| Long Term Debt | 135.750.000.000 | 147.000.000.000 | 0 | 0 |
| Total Ekuitas | 707.762.255.565 | 670.139.163.449 | 647.742.963.840 | 614.091.679.010 |
| Working Capital | — | — | — | — |
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | -23.778.762.454 | 5.146.889.978 | -218.173.746.389 | -49.984.311.538 | 98.878.839.599 | 0 |
| Kas dari Aktivitas Investasi | 16.748.284.973 | -214.643.917 | 130.780.187.596 | 71.886.171.509 | -76.796.727.060 | 0 |
| Kas dari Aktivitas Pembiayaan | -17.510.852.790 | -15.057.738.409 | 122.527.031.199 | -26.886.947.097 | -22.974.458.645 | 0 |
| Capital Expenditures | -1.478.529.842 | -1.360.101.732 | -8.334.370.167 | -4.805.651.328 | -7.348.863.294 | 0 |
| Arus Kas Bebas (FCF) | -25.257.292.296 | 3.786.788.246 | -226.508.116.556 | -54.789.962.866 | 91.529.976.305 | 0 |
| Dividen Dibayar | 0 | 0 | -19.579.445.522 | -19.779.694.292 | -16.589.352.692 | -12.744.052.800 |