PT Asuransi Tugu Pratama Indonesia Tbk

tugu

+0.81%

Overview

TUGU Overview

PT Asuransi Tugu Pratama Indonesia Tbk is an Indonesia-based company, which is engaged in general insurance, reinsurance, and sharia business. The Company’s segments include insurance and reinsurance, rental and related business, and others. Its short-term insurance contract is insurance contract that only provides insurance protection without deposit component for period of or less than twelve months. Its long-term insurance contract is insurance contract that only provides insurance protection without deposit component for period of more than twelve months. It provides protection guarantees aimed at corporations, personal, and sharia. It also offers various insurance products, such as t-down payment, workmen's compensation, money, burglary/theft and others. It offers financial loss guarantees and protects a variety of valuable assets, such as houses, motor vehicles, as well as personal safety.

5101520ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: TUGU

Main
Market Cap.
IDR 4.43Trillion

~$276.65M USD

Industry
Insurance
Sub-Industry
General Insurance
Sector
Financials
Sub-Sector

Valuation

TUGU Valuation Metrics

1,245

IDR
+0.8%

Closing Price on 2024-04-18

Price to Equity

3.79

P/E

At 3.79x P/E TTM, TUGU.JK is trading at a discount to its peers in the Insurance sector.

Price to Book

0.47

P/B

At 0.47x P/B TTM, TUGU.JK is trading at a discount to its peers in the Insurance sector.

Price to Sales

1.16

P/S

At 1.16x P/S TTM, TUGU.JK is trading in line with its peers in the Insurance sector.

Valuing PT Asuransi Tugu Pratama Indonesia Tbk based on its trailing twelve months (TTM) valuation metrics against its peers in the Insurance sector

Historical Price to Earnings

Other Valuation Metrics

Valuing PT Asuransi Tugu Pratama Indonesia Tbk relative to other stocks in the Insurance sector

Price/Cash Flow
1.35x
Price/Forward Earnings
-
PEG Ratio
-0.13x

Analyst Ratings

No analyst ratings available yet.

Last closing: IDR1,2452024-04-18
IDR 2,857.01

Considerably Higher Intrinsic Value: Analyst's intrinsic value is of TUGU is IDR2,857, which is 130% higher than TUGU's last closing price of IDR1,245 (as of 2024-04-18).

Valuation Recap of TUGU stock
WeightNotesScore
High
The P/E ratio is calculated by dividing the market price of a company's stock by its earnings per share (EPS). It is a key tool for investors and analysts to assess whether a stock is overvalued, undervalued, or fairly valued. A P/E ratio of 3.79x is below the ID market average of 8.46x and is trading at a discount to peers in the Insurance sector (11.14x). In fact, less than 25% of its peers trade at a lower P/E ratio than TUGU.

High
The P/B ratio is calculated by dividing the market price of a company's stock by its book value per share (BVPS). It measures the company's stock value relative to its assets minus liabilities. A P/B ratio of 0.47x is similar to the peers average of 0.73x in the Insurance sector. In fact, less than 25% of its peers trade at a lower P/B ratio than TUGU.

Medium
The P/S ratio is calculated by dividing the market price of a company's stock by its sales per share. It measures the company's stock value relative to its sales. A P/S ratio of 1.16x is similar to the peers average of 1.27x in the Insurance sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of TUGU's valuation relative to its current sales and future earnings growth.

Low
The Price/Cash Flow ratio (P/CF) is calculated by dividing the market price of a company's stock by its cash flow per share. It measures the company's stock value relative to its cash flow, and is sometimes said to be a more objective measure of a company's value because cash flows cannot be manipulated as easily as earnings, which considers non-cash items such as depreciation and amortization. TUGU's P/CF ratio of 1.35x is considered healthy by analysts.

Medium
Considerably Higher Intrinsic Value: Analyst's intrinsic value is of TUGU is IDR 2,857.01, which is 130% higher than TUGU's last closing price of IDR 1,245.00.

Peers

TUGU Peers and Comparison

Peer Companies

Supertype Fuzzy Search
SymbolCompany Name
Market Cap
(in Trillion IDR)
Total Assets
(in Trillion IDR)
Total Revenue
(in Trillion IDR)
Profit and Loss
(in Trillion IDR)
P/E
P/B
BBCAPT Bank Central Asia Tbk.1,168.03T1,381.45T 98.47T 48.20T 24.234.95
BBRIPT Bank Rakyat Indonesia (Persero) Tbk825.58T1,851.96T 175.51T 56.01T 14.742.69
BMRIPT Bank Mandiri (Persero) Tbk634.67T2,007.16T 135.73T 49.58T 12.802.61
BBNIPT Bank Negara Indonesia (Persero) Tbk197.25T1,086.66T 61.51T 20.91T 9.431.31
BRISPT Bank Syariah Indonesia Tbk119.94T319.85T 19.34T 5.26T 22.823.23
SMMAPT Sinar Mas Multiartha Tbk92.97T106.59T 28.35T 1.10T 84.384.30
DNETPT Indoritel Makmur Internasional Tbk.65.53T20.71T 1.39T 0.72T 90.885.11
MEGABank Mega Tbk60.47T132.12T 7.81T 3.51T 17.222.78
BNGAPT Bank CIMB Niaga Tbk50.38T329.13T 18.53T 6.10T 8.261.07
LIFEPT MSIG Life Insurance Indonesia Tbk.12.60T14.74T 3.37T 0.26T 49.081.69
Competitiveness Recap of TUGU stock
WeightNotesScore
High
At a market cap of IDR 4,426.70 billion, TUGU.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.

High
At a PE of 3.79, TUGU.JK ranks 10 out of 10 companies in the Financials sector for P/E value. The average PE is 28.86 (unadjusted). A high P/E ratio often indicates higher growth expectation, or other qualitative factors that led investors to believe that the company has a defensible competitive advantage compared to its peers in Financials. In this regard, it trails behind sector leaders such as PT Indoritel Makmur Internasional Tbk. (90.88) in the Financials sector.

Medium
At a PE of 3.79, TUGU.JK is trading at a lower PE than that of its subsector peers in Insurance (median of 11.14). A lower P/E value presents a potential value opportunity, but it might also indicate that the company is facing headwinds in its business.

Medium
At a revenue of IDR 3.83 trillion, TUGU.JK ranks 9 in Revenue out of 10 companies in the Financials sector.

Medium
At a profit of IDR 1.17 trillion, TUGU.JK ranks 8 in Profit out of 10 companies in the Financials sector.

Future

Future Growth of TUGU

Growth Forecasts

No data available

Sector Benchmark

Insurance companies in Indonesia are growing at a projected rate of 86.43% against the IDX average of +7.6%.

Insurance sector overview
No data is available for TUGU at the moment.
Future growth prospect of TUGU
WeightNotesScore
High
TUGU's projected growth rate of 86.43% is above the ID market average of 7.62%.

High
The Insurance sub-sector is projected to grow revenue by 86.43% in 2024. This number is higher than the previous year 2023's growth rate of 75.33%. This bodes well for TUGU's revenue growth prospects in the next 2 years.

Medium
The Insurance sub-sector is projected to decrease earnings by 0.00% in 2024. This number is lower than the previous year 2023's EPS growth of 0.00%. false

Medium
TUGU and its peers in the Insurance sub-sector belongs to the Financials sector. Companies in the Financials sector are projected to have a fruitful year heading into 2024. Specifically, earnings are projected to increase by 72.75% in 2024 while revenue growth is projected to increase by 34.06%. These macroeconomic trends will likely be a tailwind for TUGU's earnings growth prospects in the next 2 years.

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Management

Executive Management

President Director

Tatang Nur Hidayat 15.2 years
Emil Hakim
Director
Ery Widiatmoko
Director
Sudarlin *)
Director
Edi Yoga Prasetyo *)
Director
NamePositionShares%
Emil HakimDirector102,000< 0.01
SudarlinDirector15,000< 0.01
Tatang NurhidayatDirector108,400< 0.01
Expressed in millions IDR, unless otherwise stated

Ownership

TUGU Ownership

Others
35.73%
Insiders
58.51%
Institutions
5.76%
NameNumber of SharesOwnership (%)Value
Pertamina2,080,000,00058.52,589.60B
Public (Scripless)722,076,20020.31898.98B
Uob Kay Hian Pte Ltd565,040,00015.89703.47B
Samsung Fire And Marine Insurance Co., Ltd188,234,0005.29234.35B

Largest Institutional Buy

Russell Investments Ireland Limited
Bought 31-01-2024
+360,401 shares

Largest Institutional Sell

Pharus Management Lux S.A.
Sold 31-01-2024
-1,145,200 shares
Acadian Asset Management LLC
Sold 31-01-2024
-511,400 shares
Harbor Capital Advisors Inc
Sold 31-01-2024
-291,200 shares

Institutional Transactions

Tracking institutional transactions buying / selling of TUGU stock