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PT Generali Asia Insurance operates as a multiline insurance and broker company in Indonesia, offering a range of insurance products and asset management services to both individual and corporate clients.
Business. PT Generali Asia Insurance operates as a multiline insurance and broker company in Indonesia, offering a range of insurance products and asset management services to both individual and corporate clients.
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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
Signals & dispatch
Composite-score breakdown
Synthesis
PT Generali Asia Insurance operates as a multiline insurance and broker company in Indonesia, offering a range of insurance products and asset management services to both individual and corporate clients.
The company maintains a strong liquidity position, with cash and equivalents amounting to 184,695,000,000 IDR, which represents 3.32% of total assets. The liquidity FPT (free cash flow to total liabilities) is 0.027, indicating a moderate ability to service liabilities from operating cash flows. The price-to-book ratio of 0.59 suggests that the company is trading at a discount to its book value, which may reflect market skepticism about its asset quality or future earnings potential.
Profitability metrics show a return on equity (ROE) of 2.77% and a return on assets (ROA) of 1.22%, both of which are below the industry median for multiline insurance and brokers. The company's net income of 67,886,000,000 IDR and operating income of 61,444,000,000 IDR indicate a healthy bottom-line performance, but the low ROE suggests that the company is not generating strong returns relative to its equity base.
The company's revenue is concentrated in its domestic market, with no disclosed international operations. This geographic concentration may expose the company to regulatory and economic risks specific to Indonesia. The company's business is primarily driven by its insurance and asset management segments, with no material diversification into other lines of business.
Looking ahead, the company is projected to maintain a stable revenue trajectory, with no significant growth or contraction expected in the next fiscal year. The company's free cash flow of 84,055,000,000 IDR and capital expenditure of -7,285,000,000 IDR suggest that it is generating sufficient cash to fund operations and potentially return value to shareholders. However, the company's operating cash flow of -78,580,000,000 IDR indicates that it is currently spending more on operations than it is generating.
The company's risk profile is characterized by low liquidity and dilution risk, with no immediate filing-based flags detected. The debt-to-equity ratio of 0.01 is well below the industry median, indicating a conservative capital structure. The company's low dilution risk is supported by the fact that basic and diluted shares outstanding are equal, suggesting no imminent share issuance.
Recent events, including the latest financial filings and transcripts, do not indicate any material changes in the company's operations or strategic direction. The company's earnings and revenue figures align with analyst estimates, suggesting that it is meeting market expectations. There are no disclosed regulatory or legal issues that could impact the company's operations in the near term.
- The company maintains a strong liquidity position with cash and equivalents representing 3.32% of total assets.
- The company's ROE of 2.77% is below the industry median, indicating suboptimal returns on equity.
- The company's revenue is concentrated in Indonesia, exposing it to local economic and regulatory risks.
- The company is projected to maintain a stable revenue trajectory with no significant growth or contraction expected.
- The company's conservative capital structure, with a debt-to-equity ratio of 0.01, supports low liquidity and dilution risk.
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- No immediate filing-based liquidity or dilution flags were detected.
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- GSMF.JK Market data — financials · 2026-05-28
- Equity Development Investment Tbk PT Market data — analyst estimates · 2026-05-28