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Data-driven stock valuation

Malacca Trust Wuwungan Insurance PT (MTWI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Malacca Trust Wuwungan Insurance PT stock IDR 173, price IDR 220, that is 21.2% below the price, quality 37 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services ID · ISIN ID1000140700

MT Malacca Trust Wuwungan Insurance PT logo Thin data Nov 3, 2026

Malacca Trust Wuwungan Insurance PT

MTWI · JK
Expensive, weak quality

Our calculation puts a fair price 21% below what the stock costs today.

1.0% dividend yield · Low payout
Thin margins · 1.1% net margin (TTM)
Profit last quarter 79% below a year ago.
Fair value 173.36 IDR · Overvalued
Quality 37/100
Trails peers (2/12)
Narrow moat 30/100 · thin data
Thin data
⚠ Thinly traded⚠ Small free float
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

444.32 IDR 67.89 IDR Fair Value 173.36 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range 67.89 IDR – 444.32 IDR · fair‑value band 135.50 IDR – 257.36 IDR · the 220.00 IDR price screens above the 173.36 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 3, 2026.

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Company profile

PT Malacca Trust Wuwungan Insurance Tbk engages in the provision of general insurance products in Indonesia. The company operates through General Insurance and Rental Property divisions.

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It offers health, fire, motor vehicles, cargo, marine hull, property all risk, cargo, travel, freight, home contents micro, movable property, and personal accident insurance products, as well as others, such as liabilities, engineering, and miscellaneous insurance products.

It is also involved in property rental business. The company was formerly known as Pt Asuransi Wuwungan. The company was founded in 1952 and is headquartered in Jakarta Selatan, Indonesia. PT Malacca Trust Wuwungan Insurance Tbk is a subsidiary of PT Batavia Prosperindo Internasional Tbk.

Stock analysis

Malacca Trust Wuwungan Insurance PT (MTWI) currently trades at 220.00 IDR, while our model-based Fair Value estimate is 173.36 IDR, 21% 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 253.28 IDR per share, and 1 of the 6 models we run sit above the 220.00 IDR price.

Bear case: the Dividend Discount group reads lowest at 94.99 IDR, and 5 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 135.50 IDR (bear) to 257.36 IDR (bull), the price of 220.00 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 37/100 (below-average quality), in the Financial Services sector.

Malacca Trust Wuwungan Insurance PT reported revenue of 1.7T IDR in FY2025 versus 87.1B IDR in FY2021, a compound +111.1%/yr. Reported net income was 71.3B IDR in FY2025, compounding +115.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap 643B IDR (≈ $35.7M) Micro · P/E ratio 49.5 · P/S ratio 0.33 · EPS (TTM) 4.44 IDR · Dividend yield 1.0% · Net margin 1.1% · Return on equity 5.1% · Return on assets (EBIT) 1.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).

What moves the price

The share trades about 50% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −21%, MTWI screens cheaper than that median.

Fair Value models

Bear 135.50 IDR Fair Value 173.36 IDR Bull 257.36 IDR
Price 220.00 IDR · Downside -21.2%
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 (1.97 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.
Best data coverage
Residual Income 135.50 IDR 173.36 IDR 257.36 IDR 72
Gordon GGM 57.17 IDR 98.07 IDR 129.65 IDR 66
DDM Multi-Stage 57.17 IDR 91.90 IDR 105.28 IDR 65
All 6 models by family
Dividend Discount
Gordon GGM 57.17 IDR 98.07 IDR 129.65 IDR 66
DDM Multi-Stage 57.17 IDR 91.90 IDR 105.28 IDR 65
Multiples
P/E Multiple 237.86 IDR 317.14 IDR 396.43 IDR 63
P/B Multiple 142.07 IDR 189.42 IDR 236.78 IDR 55
Asset-Based
NCAV (Graham) 0.7600 IDR 1.15 IDR 1.43 IDR 52
Economic Profit
Residual Income 135.50 IDR 173.36 IDR 257.36 IDR 72

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Quality Score breakdown

Overall quality 37/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 47
How much profit the company makes from its sales and capital
Quality Growth 54
Are margins and returns getting better?
Cashflow 7
Do the profits arrive as real cash?
Financial strength 13
Debt, balance sheet and risk of trouble
Investment 34
Does it invest with discipline instead of growing at any price?
Low Volatility 63
How calm the share price moves, does not count
Price momentum 14
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 0
Distance to the 52-week high, does not count
New shares 80
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

What shareholders gained per year (last 5 years), in IDR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+80.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+79.0%
Dividend (yield on the price)1.0%
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.7% → 5%
2025 sits 62% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

MTWI screens overvalued: fair value 21% below the price. Compare with Allianz SE →

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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 - Diversified · 73 stocks

Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 37 · Bottom 25%
Fair Value upside −21.2% · Below median
Profitability
Return on equity (12 months) 5.1% · Bottom 25%
Return on assets 2.0% · Below median
Net margin (12 months) 1.1% · Bottom 25%
Operating margin (12 months) 0.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 8.1% · Above median
Dividend yield (12 months) 1.0% · Bottom 25%

Valuation Multiplesvs Insurance - Diversified median · lower = cheaper

P/E (12 months) 49.5× · Priciest 25%
P/B 1.58× · Pricier than median
P/S (12 months) 0.33× · Cheapest 25%
EV/EBITDA 14.5× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)5 · sector 9
FUTURE (revenue growth)41 · sector 38
PAST (return on equity)20 · sector 54
HEALTH (low debt)–
DIVIDEND (yield)19 · sector 74

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Arch Capital Group ACGL $107.28 $133.22 +24% vs MTWI
American International Group AIG $77.75 $73.25 −6% vs MTWI
The Hartford Insurance Group HIG $133.99 $115.03 −14% vs MTWI
AXA SA CS €44.68 €35.31 −21% vs MTWI
Talanx AG TLX €129.90 €89.76 −31% vs MTWI
Sun Life Financial Inc SLF $71.53 $40.29 −44% vs MTWI
Zurich Insurance Group ZURN CHF 630.20 CHF 322.32 −49% vs MTWI
Allianz SE ALV €451.10 €229.28 −49% vs MTWI
Assicurazioni Generali S.p.A G €43.73 €22.17 −49% vs MTWI
Swiss Life Holding SLHN CHF 971.20 CHF 413.28 −57% vs MTWI

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Malacca Trust Wuwungan Insurance PT: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Malacca Trust Wuwungan Insurance PT Fair Value". https://www.fairvalue-calculator.com/stock/MTWI

Frequently asked questions

Is Malacca Trust Wuwungan Insurance PT (MTWI) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 173.36 IDR versus a price of 220.00 IDR, about 21% lower (overvalued).
What is the fair value of MTWI?
Our model-based fair value for Malacca Trust Wuwungan Insurance PT is 173.36 IDR (as of Nov 3, 2026), built from audited fundamentals. The current price: 220.00 IDR.
What is the quality score of MTWI?
Malacca Trust Wuwungan Insurance PT has a Quality Score of 37/100. 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
Our model-based price target is the fair value of 173.36 IDR (as of Nov 3, 2026) from 6 valuation models. Cautious scenario 135.50 IDR, optimistic scenario 257.36 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Malacca Trust Wuwungan Insurance PT stock forecast for 2026?
Our models put fair value at 173.36 IDR, about 21% lower versus a price of 220.00 IDR (overvalued). Cautious scenario 135.50 IDR, optimistic scenario 257.36 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Malacca Trust Wuwungan Insurance PT (MTWI)?
Malacca Trust Wuwungan Insurance PT reported trailing-twelve-month revenue of about 1.9T IDR (latest available figure, as of Nov 3, 2026).
Does Malacca Trust Wuwungan Insurance PT pay a dividend?
Malacca Trust Wuwungan Insurance PT currently shows a dividend yield of 0.97% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Malacca Trust Wuwungan Insurance PT (MTWI) and when is the ex-dividend date?
Malacca Trust Wuwungan Insurance PT pays a dividend of 2.14 IDR per share a year, a dividend yield of 1.0%. The last ex-dividend date was Jun 12, 2026. The payout ratio is 48.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Malacca Trust Wuwungan Insurance PT (MTWI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Malacca Trust Wuwungan Insurance PT it is 173.36 IDR per share (as of Nov 3, 2026), against a price of 220.00 IDR. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Malacca Trust Wuwungan Insurance PT stock overvalued or undervalued in 2026?
As of Nov 3, 2026, MTWI trades above its calculated fair value: price 220.00 IDR, fair value 173.36 IDR, a gap of about −21% (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 MTWI?
No. The price is what the market pays today (220.00 IDR); the fair value is what the company's own numbers justify (173.36 IDR). For Malacca Trust Wuwungan Insurance PT the two are 46.64 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Malacca Trust Wuwungan Insurance PT worth?
The market values Malacca Trust Wuwungan Insurance PT at about 643B IDR (market capitalisation, as of Nov 3, 2026). Per share that is 220.00 IDR; our models calculate a fair value of 173.36 IDR per share.
What do the bullish and bearish scenarios say about MTWI?
Our models span a range for Malacca Trust Wuwungan Insurance PT: cautious scenario 135.50 IDR, base 173.36 IDR, optimistic 257.36 IDR per share (as of Nov 3, 2026, price 220.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MTWI?
Malacca Trust Wuwungan Insurance PT trades at a price-to-earnings ratio of 49.5 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 173.36 IDR is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2019 to 2025), reported earnings: 28.3. Other multiples: P/B 1.6, P/S 0.3, EV/EBITDA 14.5.
How solid is the balance sheet of Malacca Trust Wuwungan Insurance PT (MTWI)?
Balance-sheet figures for Malacca Trust Wuwungan Insurance PT (as of Nov 3, 2026): return on equity 5.1%. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is MTWI from its 52-week high?
Malacca Trust Wuwungan Insurance PT trades at 220.00 IDR, about 50% below its 52-week high of 444.32 IDR and at the low of 220.00 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 173.36 IDR is for.
Which stocks are comparable to Malacca Trust Wuwungan Insurance PT?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, 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 Malacca Trust Wuwungan Insurance PT stock attractive at the current price?
The data as of Nov 3, 2026: price 220.00 IDR, calculated fair value 173.36 IDR (−21%), Quality Score 37/100, 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 MTWI calculated?
We run Malacca Trust Wuwungan Insurance 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 173.36 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. Malacca Trust Wuwungan Insurance 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The closing price on Nov 6, 2026 was 220.00 IDR. Our model-based fair value is 173.36 IDR, about 21% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Malacca Trust Wuwungan Insurance PT right now?
Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (135.50 IDR to 257.36 IDR) leaves room in how you read the outcome. 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 Malacca Trust Wuwungan Insurance PT

How large is the market capitalisation of Malacca Trust Wuwungan Insurance PT (MTWI)?
The market capitalisation of Malacca Trust Wuwungan Insurance PT is 643B IDR (≈ $35.7M). 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The price-to-sales ratio of Malacca Trust Wuwungan Insurance PT is 0.33 (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 Malacca Trust Wuwungan Insurance PT (MTWI)?
Earnings per share at Malacca Trust Wuwungan Insurance PT are 4.44 IDR (price ÷ EPS = P/E 49.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Malacca Trust Wuwungan Insurance PT (MTWI)?
The dividend yield of Malacca Trust Wuwungan Insurance PT is 1.0% (payout 48.1%). 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The net margin of Malacca Trust Wuwungan Insurance PT is 1.1% (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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The return on equity (ROE) of Malacca Trust Wuwungan Insurance PT is 5.1% (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 Malacca Trust Wuwungan Insurance PT (MTWI)?
On an EBIT basis the return on assets of Malacca Trust Wuwungan Insurance PT is 1.9% (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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The operating margin of Malacca Trust Wuwungan Insurance PT is 0.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Malacca Trust Wuwungan Insurance PT (MTWI)?
Revenue at Malacca Trust Wuwungan Insurance PT is growing +8.1% versus a year earlier (3y avg +154%). 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
Earnings per share at Malacca Trust Wuwungan Insurance PT are growing −78.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Malacca Trust Wuwungan Insurance PT (MTWI) generate?
The free cash flow of Malacca Trust Wuwungan Insurance PT is −48.7B 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 Malacca Trust Wuwungan Insurance PT (MTWI) hold?
Malacca Trust Wuwungan Insurance PT holds more cash than debt, 135B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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