The aim of this study is to analyze the accuracy of the five bankruptcy prediction models (Altman-Z, Ohlson, Grover, Zmijewski, and Springate) that have been done previously by the authors namely on PT. AsuransiHartaAmanPratama, Tbk. using the profitability ratio. The methodology of this study is qualitative with a quantitative approach using financial statement data that has been published on the Indonesia Stock Exchange (IDX) for the period 2012 - 2016 as a prediction year and 2017 - 2018 as a year after prediction. The results of the analysis show that in 2017 -2018 the ratio of underwriting has decreased with a ratio below the average of the previous 5 years, the burden of claims has increased significantly, and the commission expense has continuously decreased from 48% in 2012 to 2% in 2018. While ROA, ROE and RNP reached the minus point during 2017-2018. From the 5 bankruptcy prediction models that have been done before and using the profitability ratio analysis, it can be concluded that the most appropriate Almant-Z model. Keyword: Bankruptcy Prediction Model, Profitability Rati
