Asuransi Jasa Tania Tbk PT

The company maintains a strong liquidity position, with a price-to-book ratio of 0.83 and a debt-to-equity ratio of 0.0, indicating no long-term debt and a conservative capital structure. Its operating cash flow of 55,359,093,160 IDR and free cash flow of 7,557,288,450 IDR support its ability to fund operations and potentially return capital to shareholders. Profitability metrics show a return on equity of 2.08% and a return on assets of 1.2%, which are below the industry median for property and casualty insurers, suggesting room for improvement in asset utilization and underwriting discipline. The company’s operating income of 11,048,439,830 IDR and net income of 6,701,937,920 IDR reflect a stable but modest performance. The company operates across multiple segments, including Property, Motor Vehicles, Building Rental, Engineering, and Others, with a geographic footprint spanning 13 branch offices and seven marketing offices across Indonesia. Revenue concentration data is not disclosed, but the broad geographic and product diversification suggests a moderate level of exposure to regional economic fluctuations. Looking ahead, the company is projected to maintain a stable growth trajectory, with no significant changes in revenue or earnings expected in the next fiscal year. Historical revenue trends show a consistent but moderate growth rate, aligning with the broader Indonesian insurance market. Risk factors are currently low, with no immediate liquidity or dilution flags detected. The company has no long-term debt and a low dilution risk, with shares outstanding remaining unchanged at 1.4 billion for both basic and diluted shares. No recent equity issuance or dilutive financing activities have been reported. Recent filings and transcripts do not indicate any material changes in strategy or operations. The company continues to focus on expanding its product offerings and geographic reach, particularly in development insurance products such as health and micro-insurance.