PT Asuransi Bintang Tbk

ASBI.JK

Insurance - Diversified · Financial Services

Exchange

Indonesia Stock Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Good

Cash Flow

Weak

Stability

Good

Valuation

Good

Dividends

Weak

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Winston Score History

The full picture

PT Asuransi Bintang Tbk is an Indonesian insurance company that has been operating since 1955. It sells general insurance products, including coverage for vehicles, property, marine cargo, and engineering risks. Its main customers are individuals and businesses across Indonesia, making it one of the older established insurers in the country.

The company earns money by collecting premiums from policyholders and investing those funds, which is the standard insurance revenue model. It operates primarily in Indonesia and is listed on the Indonesia Stock Exchange. Its long operating history gives it some brand recognition, but the Indonesian general insurance market is competitive, with many local and foreign players competing for the same customers. The company's low operating margin of around 2.6% and low return on invested capital suggest thin profitability, and its main challenge is improving underwriting discipline and investment returns in a crowded, price-sensitive market.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-14.5% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-59.7% YoY

YoY Growth Rate

Earnings declining

Insider Activity

86.7%ownership

Insiders own a meaningful stake in the company

Cash Runway

5+ years

Quarterly Free Cash Flow

↑ Burn rate improving

356.7B IDR cash & investments at current burn rate

Revenue declining

PT Asuransi Bintang Tbk's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

39.3%

Modest — 39.3% gross margin

Profit after running costs

Operating Margin

3.1%

Thin — 3.1% operating margin

Return on the money invested

ROCE

1.9%

Weak — 1.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

-1.2%

Shrinking sales (-1.2% YoY)

Profit growth

EPS YoY

+50.3%

Earnings growing fast (+50.3% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

-2%

Weak — only -2% of profit becomes cash

Spare cash per sale

FCF Margin

-1.5%

Burning cash (-1.5%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

83.26x

Comfortably covers interest (83.3x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

7.5x

no trend

Attractive valuation — P/E 7.5

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

1.42%

no trend

Small dividend — 1.42% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

-43.6%

no trend

Dividend cut (-43.6% YoY) — warning sign

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