Bank Multiarta Sentosa PT (MASB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bank Multiarta Sentosa PT stock IDR 1,962, price IDR 2,240, that is 12.4% below the price, quality 60 out of 100. Rating: overvalued. Calculated from audited financials with 6 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 7, 2026.
How to read this chart
60‑month range 2,200 IDR – 4,200 IDR · fair‑value band 1,874 IDR – 2,928 IDR · the 2,240 IDR price screens above the 1,962 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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PT Bank Multiarta Sentosa Tbk, together with its subsidiaries, provides various banking products and services in Indonesia.
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The company offers saving and current accounts; time deposits; business and investment loans; personal loans, such as home, apartment, office, shop, kiosk ownership, and vehicle; mobile and internet banking; automated teller machines. It operates a network of branches and sub-branches.
The company was founded in 1992 and is headquartered in Jakarta Selatan, Indonesia. PT Bank Multiarta Sentosa Tbk is a subsidiary of Pt Danabina Sentana.
Stock analysis
Bank Multiarta Sentosa PT (MASB) currently trades at 2,240 IDR, while our model-based Fair Value estimate is 1,962 IDR, 12% 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 2,888 IDR per share, and 1 of the 6 models we run sit above the 2,240 IDR price.
Bear case: the Dividend Discount group reads lowest at 238.33 IDR, and 5 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 1,874 IDR (bear) to 2,928 IDR (bull), the price of 2,240 IDR sits inside 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 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank Multiarta Sentosa PT reported revenue of 2.0T IDR in FY2025 versus 1.4T IDR in FY2021, a compound +10.3%/yr. Reported net income was 205B IDR in FY2025, compounding −1.0%/yr from FY2021.
Key figures
Market cap 3.1T IDR (≈ $174M) Micro · P/E ratio 14.7 · P/S ratio 3.01 · EPS (TTM) 151.93 IDR · Dividend yield 0.8% · Net margin 20.4% · Return on equity 5.2% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (low confidence).
What moves the price
The share trades about 40% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −12%, MASB screens cheaper than that median.
Fair Value models
Bear1,874 IDRFair Value 1,962 IDRBull2,928 IDR
Price 2,240 IDR · Downside -12.4%
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 (130.29 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.87/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+9.9%
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.
+14.8%
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.
+10.3%
Start year 2020 (pandemic). Over 10 years: +16.8% a year
Revenue growth 10 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.
+16.8%
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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.
+9.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.8%
Dividend (yield on the price)0.8%
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.8.8% vs 10.9%, 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.13% → 13%
Compare Bank Multiarta Sentosa PT with another stock
Price, fair value, quality and upside side by side.
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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.Banks - Regional · 996 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside−12.4% · Above median
Profitability
Return on equity (12 months)5.2% · Bottom 25%
Return on assets0.6% · Bottom 25%
Net margin (12 months)20.4% · Bottom 25%
Operating margin (12 months)27.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)17.8% · Above median
Dividend yield (12 months)0.8% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Bank Multiarta Sentosa PT (MASB) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 1,962 IDR versus a price of 2,240 IDR, about 12% lower (overvalued).
What is the fair value of MASB?
Our model-based fair value for Bank Multiarta Sentosa PT is 1,962 IDR (as of Nov 7, 2026), built from audited fundamentals. The current price: 2,240 IDR.
What is the quality score of MASB?
Bank Multiarta Sentosa PT has a Quality Score of 60/100. 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 Bank Multiarta Sentosa PT (MASB)?
Our model-based price target is the fair value of 1,962 IDR (as of Nov 7, 2026) from 6 valuation models. Cautious scenario 1,874 IDR, optimistic scenario 2,928 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Multiarta Sentosa PT stock forecast for 2026?
Our models put fair value at 1,962 IDR, about 12% lower versus a price of 2,240 IDR (overvalued). Cautious scenario 1,874 IDR, optimistic scenario 2,928 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Multiarta Sentosa PT (MASB)?
Bank Multiarta Sentosa PT reported trailing-twelve-month revenue of about 1.0T IDR (latest available figure, as of Nov 7, 2026).
Does Bank Multiarta Sentosa PT pay a dividend?
Bank Multiarta Sentosa PT currently shows a dividend yield of 0.77% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Bank Multiarta Sentosa PT (MASB)?
Bank Multiarta Sentosa PT has a dividend yield of 0.8%.
What is the intrinsic value of Bank Multiarta Sentosa PT (MASB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Multiarta Sentosa PT it is 1,962 IDR per share (as of Nov 7, 2026), against a price of 2,240 IDR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank Multiarta Sentosa PT stock overvalued or undervalued in 2026?
As of Nov 7, 2026, MASB trades above its calculated fair value: price 2,240 IDR, fair value 1,962 IDR, a gap of about −12% (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 MASB?
No. The price is what the market pays today (2,240 IDR); the fair value is what the company's own numbers justify (1,962 IDR). For Bank Multiarta Sentosa PT the two are 278.23 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Multiarta Sentosa PT worth?
The market values Bank Multiarta Sentosa PT at about 3.1T IDR (market capitalisation, as of Nov 7, 2026). Per share that is 2,240 IDR; our models calculate a fair value of 1,962 IDR per share.
What do the bullish and bearish scenarios say about MASB?
Our models span a range for Bank Multiarta Sentosa PT: cautious scenario 1,874 IDR, base 1,962 IDR, optimistic 2,928 IDR per share (as of Nov 7, 2026, price 2,240 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MASB?
Bank Multiarta Sentosa PT trades at a price-to-earnings ratio of 14.7 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1,962 IDR is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 20.8. Other multiples: P/B 0.8, P/S 3.0.
How solid is the balance sheet of Bank Multiarta Sentosa PT (MASB)?
Balance-sheet figures for Bank Multiarta Sentosa PT (as of Nov 7, 2026): return on equity 5.2%. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is MASB from its 52-week high?
Bank Multiarta Sentosa PT trades at 2,240 IDR, about 40% below its 52-week high of 3,720 IDR and 2% above the low of 2,200 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1,962 IDR is for.
Which stocks are comparable to Bank Multiarta Sentosa PT?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Bank Multiarta Sentosa PT stock attractive at the current price?
The data as of Nov 7, 2026: price 2,240 IDR, calculated fair value 1,962 IDR (−12%), Quality Score 60/100, from 6 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 MASB calculated?
We run Bank Multiarta Sentosa PT through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 1,962 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. Bank Multiarta Sentosa PT 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 Bank Multiarta Sentosa PT (MASB)?
The closing price on Nov 6, 2026 was 2,240 IDR. Our model-based fair value is 1,962 IDR, about 12% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Multiarta Sentosa PT right now?
Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Bank Multiarta Sentosa PT
How large is the market capitalisation of Bank Multiarta Sentosa PT (MASB)?
The market capitalisation of Bank Multiarta Sentosa PT is 3.1T IDR (≈ $174M). 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 Bank Multiarta Sentosa PT (MASB)?
The price-to-sales ratio of Bank Multiarta Sentosa PT is 3.01 (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 Bank Multiarta Sentosa PT (MASB)?
Earnings per share at Bank Multiarta Sentosa PT are 151.93 IDR (price ÷ EPS = P/E 14.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Multiarta Sentosa PT (MASB)?
The dividend yield of Bank Multiarta Sentosa PT is 0.8% (payout 11.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank Multiarta Sentosa PT (MASB)?
The net margin of Bank Multiarta Sentosa PT is 20.4% (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 Bank Multiarta Sentosa PT (MASB)?
The return on equity (ROE) of Bank Multiarta Sentosa PT is 5.2% (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 Bank Multiarta Sentosa PT (MASB)?
On an EBIT basis the return on assets of Bank Multiarta Sentosa PT is 1.2% (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 Bank Multiarta Sentosa PT (MASB)?
The operating margin of Bank Multiarta Sentosa PT is 27.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Multiarta Sentosa PT (MASB)?
Revenue at Bank Multiarta Sentosa PT is growing +17.8% versus a year earlier (3y avg +14.8%). 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 Bank Multiarta Sentosa PT (MASB)?
Earnings per share at Bank Multiarta Sentosa PT are growing +8.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Multiarta Sentosa PT (MASB) generate?
The free cash flow of Bank Multiarta Sentosa PT is 665B 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 Bank Multiarta Sentosa PT (MASB) hold?
Bank Multiarta Sentosa PT holds more cash than debt, 4.8T IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 7, 2026