PT Asuransi Ramayana Tbk (IDX:ASRM)

PT Asuransi Ramayana Tbk Financials Overview

Financials in millions IDR. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	1,266,353	1,252,537	1,538,907	1,961,663	2,016,140	1,612,124
Revenue Growth	-17.91%	-18.61%	-21.55%	-2.70%	25.06%	19.44%
Operating Income Operating Income Growth	50,841	60,855	50,494	44,928	78,838	53,594
Net Income Net Income Growth	5,511	21,647	48,158	88,787	86,492	64,957
Earnings Per Share EPS Growth	4.28	16.94	37.68	69.47	67.68	50.83
EPS Growth	-91.57%	-55.05%	-45.76%	2.65%	33.15%	-0.90%

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	68,545	71,651	82,533	52,983	60,290	63,562
Total Debt Total Debt Growth	134,850	144,317	159,374	14,357	11,614	16,719
Net Cash (Debt) Net Cash Growth	-66,305	-72,665	-76,841	38,626	48,676	46,843
Net Cash Growth	-	-	-	-20.65%	3.91%	-21.60%
Net Cash Per Share Net Cash Per Share Growth	-51.54	-56.86	-60.13	30.22	38.09	36.65

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-23,779	5,147	-218,174	-49,984	98,879	-68,026
Capital Expenditures CapEx Growth	-1,479	-1,360	-8,334	-4,806	-7,349	-31,849
Free Cash Flow Free Cash Flow Growth	-25,257	3,787	-226,508	-54,790	91,530	-99,875
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	4.01%	4.86%	3.28%	2.29%	3.91%	3.32%
Pretax Margin	1.37%	2.61%	3.69%	5.41%	4.47%	4.82%
Profit Margin	0.43%	1.73%	3.13%	4.53%	4.29%	4.03%
FCF Margin	-1.99%	0.30%	-14.72%	-2.79%	4.54%	-6.19%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 27, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	3.000	3.000	-	15.476	15.476	13.095
Dividend Per Share Growth	0%	-	-	0%	18.18%	19.56%
Dividend Yield	1.11%	0.95%	-	4.38%	4.38%	3.69%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 27, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	66.30	18.77	8.54	5.36	5.73	7.94
P/FCF Ratio	-	107.32	-	-	5.42	-
PS Ratio	0.29	0.32	0.27	0.24	0.25	0.32

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 27, 2026

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