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Surya Fajar Capital Tbk PT (SFAN) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Surya Fajar Capital Tbk PT stock IDR 1,003, price IDR 1,950, that is 48.6% below the price, quality 56 out of 100. Rating: strongly overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services ID · ISIN ID1000149107

SF Surya Fajar Capital Tbk PT logo Thin data Nov 10, 2026

Surya Fajar Capital Tbk PT

SFAN · JK
Solid, but very expensive

Our calculation puts a fair price 49% below what the stock costs today.

Quality 56/100
Profit last quarter 53% below a year ago.
Fair value 1,003 IDR · Strongly overvalued
Weak Growth (revenue 5y −18.8 %/yr in IDR)
Loss-making · -176.6% net margin (FY2025)
Negative free cash flow
Trails peers (1/7)
Narrow moat 6/100 · thin data
Thin data
Estimate
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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

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Price vs Fair Value

2,050 IDR 1,275 IDR Fair Value 1,003 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range 1,275 IDR – 2,050 IDR · fair‑value band 752.10 IDR – 1,254 IDR · the 1,950 IDR price screens above the 1,003 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

PT Surya Fajar Capital Tbk, together with its subsidiaries, provides financial consulting and investment services in Indonesia.

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It operates through five segments: Brokerage and Underwriter; Financial Technology Peer to Peer Lending; Electronic Payment Services; Technology with Securities Crowdfunding; and Consultancy Services.

The company provides financial advisory services on strategic transactions, such as mergers and acquisitions, divestitures, and restructuring in the initial public offering (IPO) preparation; various financial services, including buying and selling of stock and bond, stock and bond IPOs, rights issues, and medium-term notes; macro and MSME financing activities through the peer-to-peer (P2P) lending platform; and electronic money services.

It invests in marketable securities, associated company, joint ventures, and fully controlled business units. In addition, the company engages in information technology with securities crowdfunding, and management consulting business.

The company was founded in 2016 and is headquartered in Jakarta, Indonesia. PT Surya Fajar Capital Tbk is a subsidiary of PT Surya Fajar Corpora.

Stock analysis

Surya Fajar Capital Tbk PT (SFAN) currently trades at 1,950 IDR, while our estimate is 1,003 IDR, 49% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: 752.10 IDR (bear) to 1,254 IDR (bull), the price of 1,950 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 56/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Surya Fajar Capital Tbk PT reported revenue of 6.8B IDR in FY2025 versus 11.8B IDR in FY2021, a compound −12.8%/yr. Reported net income was −12.0B IDR in FY2025.

Key figures

Market cap 2.7T IDR (≈ $147M) Micro · EPS (TTM) −14.02 IDR · Return on equity −17.1% · Return on assets (EBIT) −12.1% (5-year average) · Operating margin 1,057% · Revenue (TTM) 7.6B IDR · Revenue growth (YoY) +13.3% · EPS growth (YoY) −53.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 6 out of 100 (low confidence).

What moves the price

The share trades about 5% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −19% fair-value upside, at −49%, SFAN screens richer than that median.

Fair Value

Bear 752.10 IDR Fair Value 1,003 IDR Bull 1,254 IDR
Price 1,950 IDR · Downside -48.6%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 56/100

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

Profitability 1
How much profit the company makes from its sales and capital
Quality Growth 93
Are margins and returns getting better?
Cashflow 28
Do the profits arrive as real cash?
Financial strength 82
Debt, balance sheet and risk of trouble
Investment 88
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 40
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 34
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
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.
−38.7%
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.
−18.8%
Start year 2020 (pandemic)
Revenue growth 9 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.
+26.7%
Profit margin (trend) ⓘ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.
−23.2% (2020) → −401.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

SFAN screens overvalued: fair value 49% below the price. Compare with Blackstone Inc →

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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.Asset Management · 658 stocks

Beats the industry median on 1/6 measures
Overall it trails its industry peers.
Valuation
Quality Score 56 · Below median
Fair Value upside −48.6% · Bottom 25%
Profitability
Return on assets −5.8% · Bottom 25%
Net margin (12 months) −176.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 13.3% · Above median

Valuation Multiplesvs Asset Management median · lower = cheaper

P/B 24.21× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 37
FUTURE (revenue growth)67 · sector 36
PAST (return on equity)0 · sector 23
HEALTH (low debt)0 · sector 95
DIVIDEND (yield)0 · sector 78

VALUE 0: the price sits above our fair-value range.

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 Asset Management stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Raymond James Financial, Inc RJF $168.11 $281.42 +67% vs SFAN
Apollo Global Management, Inc APO $122.74 $197.52 +61% vs SFAN
Ameriprise Financial, Inc AMP $519.96 $609.56 +17% vs SFAN
Exor N.V EXO €74.30 €76.42 +3% vs SFAN
State Street Corporation STT $171.62 $139.37 −19% vs SFAN
Ares Management Corporation ARES $139.41 $99.35 −29% vs SFAN
Northern Trust Corporation NTRS $177.89 $123.42 −31% vs SFAN
Brookfield Asset Management Ltd BAM $53.49 $31.26 −42% vs SFAN
Blackstone Inc BX $122.53 $52.29 −57% vs SFAN
KKR & Co KKR $100.85 $27.63 −73% vs SFAN

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Surya Fajar Capital Tbk PT: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Surya Fajar Capital Tbk PT Fair Value". https://www.fairvalue-calculator.com/stock/SFAN

Frequently asked questions

Is Surya Fajar Capital Tbk PT (SFAN) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is 1,003 IDR versus a price of 1,950 IDR, about 49% lower (overvalued).
What is the fair value of SFAN?
Our estimate for Surya Fajar Capital Tbk PT is 1,003 IDR (as of Nov 10, 2026), built from audited fundamentals. The current price: 1,950 IDR.
What is the quality score of SFAN?
Surya Fajar Capital Tbk PT has a Quality Score of 56/100. 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 Surya Fajar Capital Tbk PT (SFAN)?
Our calculated price target is the estimate of 1,003 IDR (as of Nov 10, 2026). Cautious scenario 752.10 IDR, optimistic scenario 1,254 IDR. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Surya Fajar Capital Tbk PT stock forecast for 2026?
Our estimate puts fair value at 1,003 IDR, about 49% lower versus a price of 1,950 IDR (overvalued). Cautious scenario 752.10 IDR, optimistic scenario 1,254 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Surya Fajar Capital Tbk PT (SFAN)?
Surya Fajar Capital Tbk PT reported trailing-twelve-month revenue of about 7.6B IDR (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Surya Fajar Capital Tbk PT (SFAN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Surya Fajar Capital Tbk PT it is 1,003 IDR per share (as of Nov 10, 2026), against a price of 1,950 IDR.
Is Surya Fajar Capital Tbk PT stock overvalued or undervalued in 2026?
As of Nov 10, 2026, SFAN trades above its calculated fair value: price 1,950 IDR, fair value 1,003 IDR, a gap of about −49% (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 SFAN?
No. The price is what the market pays today (1,950 IDR); the fair value is what the company's own numbers justify (1,003 IDR). For Surya Fajar Capital Tbk PT the two are 947.20 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Surya Fajar Capital Tbk PT worth?
The market values Surya Fajar Capital Tbk PT at about 2.7T IDR (market capitalisation, as of Nov 10, 2026). Per share that is 1,950 IDR; our models calculate a fair value of 1,003 IDR per share.
What do the bullish and bearish scenarios say about SFAN?
Our models span a range for Surya Fajar Capital Tbk PT: cautious scenario 752.10 IDR, base 1,003 IDR, optimistic 1,254 IDR per share (as of Nov 10, 2026, price 1,950 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Surya Fajar Capital Tbk PT (SFAN)?
Balance-sheet figures for Surya Fajar Capital Tbk PT (as of Nov 10, 2026): return on equity −17.1%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is SFAN from its 52-week high?
Surya Fajar Capital Tbk PT trades at 1,950 IDR, about 5% below its 52-week high of 2,050 IDR and 3% above the low of 1,900 IDR (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of 1,003 IDR is for.
Which stocks are comparable to Surya Fajar Capital Tbk PT?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Asset Management Ltd, Apollo Global Management, Inc, 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 Surya Fajar Capital Tbk PT stock attractive at the current price?
The data as of Nov 10, 2026: price 1,950 IDR, calculated fair value 1,003 IDR (−49%), Quality Score 56/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Surya Fajar Capital Tbk 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 Surya Fajar Capital Tbk PT (SFAN)?
The closing price on Nov 10, 2026 was 1,950 IDR. Our estimate is 1,003 IDR, about 49% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Surya Fajar Capital Tbk PT right now?
The price sits above even our optimistic bull case (1,254 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 (56/100) 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 Surya Fajar Capital Tbk PT

How large is the market capitalisation of Surya Fajar Capital Tbk PT (SFAN)?
The market capitalisation of Surya Fajar Capital Tbk PT is 2.7T IDR (≈ $147M). 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 are the earnings per share of Surya Fajar Capital Tbk PT (SFAN)?
Earnings per share at Surya Fajar Capital Tbk PT are −14.02 IDR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Surya Fajar Capital Tbk PT (SFAN)?
The return on equity (ROE) of Surya Fajar Capital Tbk PT is −17.1% (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 Surya Fajar Capital Tbk PT (SFAN)?
On an EBIT basis the return on assets of Surya Fajar Capital Tbk PT is −12.1% (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 Surya Fajar Capital Tbk PT (SFAN)?
The operating margin of Surya Fajar Capital Tbk PT is 1,057% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Surya Fajar Capital Tbk PT (SFAN)?
Revenue at Surya Fajar Capital Tbk PT is growing +13.3% versus a year earlier (3y avg −38.7%). 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 Surya Fajar Capital Tbk PT (SFAN)?
Earnings per share at Surya Fajar Capital Tbk PT are growing −53.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Surya Fajar Capital Tbk PT (SFAN) generate?
The free cash flow of Surya Fajar Capital Tbk PT is −21.9B 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 Surya Fajar Capital Tbk PT (SFAN) hold?
Surya Fajar Capital Tbk PT holds more cash than debt, 41.4B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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