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PT Asuransi Multi Artha Guna Tbk

AMAG.JK
59
Insurance - Property & Casualty · Financial Services
Price
390.00 IDR
+0.00 (+0.00%)
Market Cap
1.93T IDR
Exchange
Indonesia Stock Exchange
Winston Score
59
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Sep 5, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Good
Growth
Strong
Cash Flow
Strong
Stability
Weak
Valuation
Good
Dividends
Good
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§Winston Score History

The full picture

PT Asuransi Multi Artha Guna Tbk is an Indonesian financial services provider specializing in general insurance and reinsurance. The company offers a comprehensive suite of insurance products, encompassing standard coverages like fire, earthquake, property, engineering, heavy equipment, cargo, motor vehicle, burglary, money, personal accident, health, and travel. Additionally, it provides more specialized policies for risks such as cash in ATMs, comprehensive machinery, cash in management, garage keeper liability, fidelity guarantees, moveable all-risks, hole-in-one events, neon signs, micro businesses, consortium markets, public liability, terrorism and sabotage, and marine hull protection. Established in 1980 and based in Jakarta, Indonesia, this firm operates as a subsidiary of Fairfax Asia Ltd.

Growth Profile

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

Revenue Growth

+39.2% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

+367.4% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

0 IDR/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

5.6T IDR cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

PT Asuransi Multi Artha Guna Tbk is growing revenue at 39% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

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.

Share count broadly stable

−0.7% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 4.99B (2021) → 4.95B (2025)

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
56.9%
Premium pricing power — 56.9% gross margin
Profit after running costs
Operating Margin
11.0%
Modest — 11.0% operating margin
Return on the money invested
ROCE
11.8%
Below par — 11.8% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+105.6%
Fast-growing sales (+105.6% YoY)
Profit growth
EPS YoY
+37.1%
Earnings growing fast (+37.1% 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
151%
Turns 151% of profit into real cash
Spare cash per sale
FCF Margin
11.6%
Modest free cash flow (11.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns
Debt / Equity
N/A
Data not available
Covers its interest
Interest Cover
3.57x
Tight — interest eats into profit (3.6x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
7.7x
Attractive valuation — P/E 7.7

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
7.69%
Healthy income — 7.69% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
-13.0%
Dividend cut (-13.0% YoY) — warning sign

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