Asuransi Bina Dana Arta Tbk (ABDA) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Asuransi Bina Dana Arta Tbk stock IDR 2,918, price IDR 4,970, that is 41.3% below the price, quality 65 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range 2,230 IDR – 7,718 IDR · fair‑value band 2,189 IDR – 3,648 IDR · the 4,970 IDR price screens above the 2,918 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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PT Asuransi Bina Dana Arta Tbk operates as a general insurance company in Indonesia. The company offers car, motor vehicles, fire, personal accident and health, group health, freight, home, property, critical illness, engineering, marine cargo, miscellaneous, travel, and other insurance products.
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It also provides motor vehicle repair services. PT Asuransi Bina Dana Arta Tbk was founded in 1982 and is headquartered in Jakarta, Indonesia. PT Asuransi Bina Dana Arta Tbk is a subsidiary of Oona Insurance Pte. Ltd.
Stock analysis
Asuransi Bina Dana Arta Tbk (ABDA) currently trades at 4,970 IDR, while our model-based Fair Value estimate is 2,918 IDR, 41% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 2,918 IDR per share, and 0 of the 4 models we run sit above the 4,970 IDR price.
Bear case: the Economic Profit group reads lowest at 1,909 IDR, and 4 of the 4 models stay below the price. Data coverage for this calculation is low.
Scenario range: 2,189 IDR (bear) to 3,648 IDR (bull), the price of 4,970 IDR sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Asuransi Bina Dana Arta Tbk reported revenue of 1.1T IDR in FY2025 versus 789B IDR in FY2021, a compound +7.8%/yr. Reported net income was 99.8B IDR in FY2025, compounding −10.8%/yr from FY2021.
Key figures
Market cap 3.1T IDR (≈ $170M) Micro · P/E ratio 22.9 · P/S ratio 3.00 · EPS (TTM) 218.24 IDR · Net margin 11.1% · Return on equity 6.6% · Return on assets (EBIT) 3.9% (5-year average) · Operating margin 24.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 123% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −41%, ABDA screens richer than that median.
Fair Value models
Bear2,189 IDRFair Value 2,918 IDRBull3,648 IDR
Price 4,970 IDR · Downside -41.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (187.15 IDR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.50/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+14.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.3%
Start year 2020 (pandemic). Over 10 years: −2.6% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.4%
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What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−6.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−6.3% vs −5.4%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.18% → 9%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 2.3%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 100 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Asuransi Bina Dana Arta Tbk Fair Value". https://www.fairvalue-calculator.com/stock/ABDA
Frequently asked questions
Is Asuransi Bina Dana Arta Tbk (ABDA) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 2,918 IDR versus a price of 4,970 IDR, about 41% lower (overvalued).
What is the fair value of ABDA?
Our model-based fair value for Asuransi Bina Dana Arta Tbk is 2,918 IDR (as of Nov 8, 2026), built from audited fundamentals. The current price: 4,970 IDR.
What is the quality score of ABDA?
Asuransi Bina Dana Arta Tbk has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Asuransi Bina Dana Arta Tbk (ABDA)?
Our model-based price target is the fair value of 2,918 IDR (as of Nov 8, 2026) from 4 valuation models. Cautious scenario 2,189 IDR, optimistic scenario 3,648 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Asuransi Bina Dana Arta Tbk stock forecast for 2026?
Our models put fair value at 2,918 IDR, about 41% lower versus a price of 4,970 IDR (overvalued). Cautious scenario 2,189 IDR, optimistic scenario 3,648 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Asuransi Bina Dana Arta Tbk (ABDA)?
Asuransi Bina Dana Arta Tbk reported trailing-twelve-month revenue of about 1.0T IDR (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Asuransi Bina Dana Arta Tbk (ABDA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Asuransi Bina Dana Arta Tbk it is 2,918 IDR per share (as of Nov 8, 2026), against a price of 4,970 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Asuransi Bina Dana Arta Tbk stock overvalued or undervalued in 2026?
As of Nov 8, 2026, ABDA trades above its calculated fair value: price 4,970 IDR, fair value 2,918 IDR, a gap of about −41% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ABDA?
No. The price is what the market pays today (4,970 IDR); the fair value is what the company's own numbers justify (2,918 IDR). For Asuransi Bina Dana Arta Tbk the two are 2,052 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Asuransi Bina Dana Arta Tbk worth?
The market values Asuransi Bina Dana Arta Tbk at about 3.1T IDR (market capitalisation, as of Nov 8, 2026). Per share that is 4,970 IDR; our models calculate a fair value of 2,918 IDR per share.
What do the bullish and bearish scenarios say about ABDA?
Our models span a range for Asuransi Bina Dana Arta Tbk: cautious scenario 2,189 IDR, base 2,918 IDR, optimistic 3,648 IDR per share (as of Nov 8, 2026, price 4,970 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ABDA?
Asuransi Bina Dana Arta Tbk trades at a price-to-earnings ratio of 22.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2,918 IDR is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 28.7. Other multiples: P/B 1.7, P/S 3.0, EV/EBITDA 14.6.
How solid is the balance sheet of Asuransi Bina Dana Arta Tbk (ABDA)?
Balance-sheet figures for Asuransi Bina Dana Arta Tbk (as of Nov 8, 2026): return on equity 6.6%. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is ABDA from its 52-week high?
Asuransi Bina Dana Arta Tbk trades at 4,970 IDR, about 4% below its 52-week high of 5,200 IDR and 123% above the low of 2,230 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 2,918 IDR is for.
Which stocks are comparable to Asuransi Bina Dana Arta Tbk?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Asuransi Bina Dana Arta Tbk stock attractive at the current price?
The data as of Nov 8, 2026: price 4,970 IDR, calculated fair value 2,918 IDR (−41%), Quality Score 65/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ABDA calculated?
We run Asuransi Bina Dana Arta Tbk through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 2,918 IDR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Asuransi Bina Dana Arta Tbk itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Asuransi Bina Dana Arta Tbk (ABDA)?
The closing price on Nov 6, 2026 was 4,970 IDR. Our model-based fair value is 2,918 IDR, about 41% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Asuransi Bina Dana Arta Tbk right now?
The price sits above even our optimistic bull case (3,648 IDR). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (65/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Asuransi Bina Dana Arta Tbk
How large is the market capitalisation of Asuransi Bina Dana Arta Tbk (ABDA)?
The market capitalisation of Asuransi Bina Dana Arta Tbk is 3.1T IDR (≈ $170M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Asuransi Bina Dana Arta Tbk (ABDA)?
The price-to-sales ratio of Asuransi Bina Dana Arta Tbk is 3.00 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Asuransi Bina Dana Arta Tbk (ABDA)?
Earnings per share at Asuransi Bina Dana Arta Tbk are 218.24 IDR (price ÷ EPS = P/E 22.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Asuransi Bina Dana Arta Tbk (ABDA)?
The net margin of Asuransi Bina Dana Arta Tbk is 11.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Asuransi Bina Dana Arta Tbk (ABDA)?
The return on equity (ROE) of Asuransi Bina Dana Arta Tbk is 6.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Asuransi Bina Dana Arta Tbk (ABDA)?
On an EBIT basis the return on assets of Asuransi Bina Dana Arta Tbk is 3.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Asuransi Bina Dana Arta Tbk (ABDA)?
The operating margin of Asuransi Bina Dana Arta Tbk is 24.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Asuransi Bina Dana Arta Tbk (ABDA)?
Revenue at Asuransi Bina Dana Arta Tbk is growing −15.3% versus a year earlier (3y avg +12.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Asuransi Bina Dana Arta Tbk (ABDA)?
Earnings per share at Asuransi Bina Dana Arta Tbk are growing +18.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Asuransi Bina Dana Arta Tbk (ABDA) generate?
The free cash flow of Asuransi Bina Dana Arta Tbk is 2.5B IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Asuransi Bina Dana Arta Tbk (ABDA) hold?
Asuransi Bina Dana Arta Tbk holds more cash than debt, 919B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Nov 8, 2026