Asuransi Harta Aman Pratama Tbk PT
Asuransi Harta Aman Pratama Tbk PT operates in the property and casualty insurance industry, providing insurance products and services to clients in Indonesia.
Business. Asuransi Harta Aman Pratama Tbk PT (AHAP.JK) is a property and casualty insurance company headquartered in Indonesia. The firm operates within the financials sector, generating revenue primarily through insurance premiums. It is listed on the Indonesia Stock Exchange (IDX) under the ticker symbol AHAP.JK. Specific details regarding operating segments or geographic breakdowns are not available.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Synthesis
Asuransi Harta Aman Pratama Tbk PT (AHAP.JK) is a property and casualty insurance company headquartered in Indonesia. The firm operates within the financials sector, generating revenue primarily through insurance premiums. It is listed on the Indonesia Stock Exchange (IDX) under the ticker symbol AHAP.JK. Specific details regarding operating segments or geographic breakdowns are not available.
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.
- The company is experiencing significant financial losses, with a net loss of 7,977,240,980 IDR and an operating loss of 10,689,544,620 IDR.
- The debt-to-equity ratio of 0.15 suggests a relatively low level of leverage, but the negative return on equity and assets indicates poor profitability.
- The liquidity position is medium, with a negative free cash flow of -7,489,655,330 IDR, highlighting cash flow challenges.
- The company's geographic exposure is primarily within Indonesia, with no disclosed segments or revenue concentration details, posing potential diversification risks.
- The growth trajectory is uncertain, with no clear direction provided in the outlook, necessitating strategic interventions to improve profitability and operational efficiency.
- **margin_outlook_rationale**: The company's negative net income and operating income suggest a deteriorating margin outlook driven by poor cost management and pricing strategies.
- **rd_outlook_rationale**: No research and development data is available, but the lack of capital expenditures implies a focus on maintaining current operations rather than innovation.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Operating income +15,1% YoY; Net income +166,7% YoY.
- ▍Operating income +15,1% YoY
- ▍Net income +166,7% YoY
- ▍Free cash flow +223,1% YoY
Operating income +171,8% YoY; Net income +211,3% YoY.
- ▍Operating income +171,8% YoY
- ▍Net income +211,3% YoY
- ▍Free cash flow +143,1% YoY
Operating income −551,6% YoY; Net income −296,8% YoY.
- ▍Operating income −551,6% YoY
- ▍Net income −296,8% YoY
- ▍Free cash flow −270,2% YoY
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- Net cash is negative after subtracting total debt.
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- Asuransi Harta Aman Pratama Tbk PT Market data — financials · 2026-05-27
- Asuransi Harta Aman Pratama Tbk PT Market data — analyst estimates · 2026-05-27