Asuransi Harta Aman Pratama Tbk PT

The company's capital structure shows a debt-to-equity ratio of 0.15, indicating a relatively low level of leverage compared to industry norms. However, the negative return on equity of -3.83% and return on assets of -0.67% suggest poor profitability and inefficient use of capital. The liquidity position is assessed as medium, with free cash flow at -7,489,655,330 IDR, indicating a cash outflow rather than inflow. Profitability metrics are significantly below industry benchmarks, with a net loss of 7,977,240,980 IDR and operating loss of 10,689,544,620 IDR. These figures highlight a challenging operating environment and potential issues with cost management or pricing strategies. The company's return on equity and return on assets are negative, further emphasizing the lack of profitability and the need for strategic adjustments. The company's geographic exposure is primarily within Indonesia, with no disclosed segments or revenue concentration details. This lack of diversification could pose a risk if the domestic market experiences economic downturns or regulatory changes. The absence of capital expenditures suggests a focus on maintaining current operations rather than expanding or investing in new projects. The growth trajectory is uncertain, with no clear direction provided in the outlook. The company's recent performance, marked by significant losses, indicates a need for strategic interventions to improve profitability and operational efficiency. The risk assessment highlights liquidity concerns, with negative free cash flow and a net cash position that is negative after subtracting total debt. Recent events, such as the last actual EPS of 1.85 IDR and revenue of 53,422,000,000 IDR, provide a snapshot of the company's current financial performance. These figures, while indicative, do not offer a comprehensive view of the company's long-term prospects or strategic initiatives.