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Asuransi Digital Bersama Tbk (YOII) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Asuransi Digital Bersama Tbk stock IDR 40, price IDR 60, that is 34.1% below the price, quality 69 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services ID

AD Asuransi Digital Bersama Tbk logo Thin data Nov 5, 2026

Asuransi Digital Bersama Tbk

YOII · JK
Expensive, in a downtrend

Our calculation puts a fair price 34% below what the stock costs today.

Quality 69/100
Low debt
Thin margins · 3.1% net margin (TTM)
Mixed vs. peers (5/11)
Revenue last quarter 58% below a year ago.
Fair value 39.57 IDR · Overvalued
Narrow moat 37/100 · thin data
Thin data
⚠ 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

135.00 IDR 59.00 IDR Fair Value 39.57 IDR Jan 2025 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

22‑month range 59.00 IDR – 135.00 IDR · fair‑value band 39.29 IDR – 42.09 IDR · the 60.00 IDR price screens above the 39.57 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

PT Asuransi Digital Bersama TBK provides general insurance products and services in Indonesia. The company operates through Fire, Motor Vehicles, Marine Cargo, Credit Insurance, Engineering, Health and Personal Accident, and Others Segments.

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It also provides domestic travel insurance coverage for insurance products that offer protection to the insured against the risk of accidents or losses; international travel insurance coverage for the insured against the risks of accidents or losses; personal accident insurance; flight ticket cancellation insurance; motor vehicle insurance that offer assurance for damages and losses related to personal vehicle; cargo insurance for maritime dangers and transportation accidents; property insurance, including fire, lightning, nuclear explosions, aircraft collisions, riots, earthquakes, volcanic eruptions, storms, floods, spontaneous combustion, short circuits, and landslides; cash in safe insurance; and cash in transit insurance services.

PT Asuransi Digital Bersama TBK was founded in 1987 and is headquartered in Jakarta Pusat, Indonesia.

Stock analysis

Asuransi Digital Bersama Tbk (YOII) currently trades at 60.00 IDR, while our model-based Fair Value estimate is 39.57 IDR, 34% 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 60.61 IDR per share, and 1 of the 4 models we run sit above the 60.00 IDR price.

Bear case: the Asset-Based group reads lowest at 36.00 IDR, and 3 of the 4 models stay below the price. Data coverage for this calculation is low.

Scenario range: 39.29 IDR (bear) to 42.09 IDR (bull), the price of 60.00 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 69/100 (solid quality), in the Financial Services sector.

Asuransi Digital Bersama Tbk reported revenue of 733B IDR in FY2025 versus 108B IDR in FY2023, a compound +161.0%/yr. Reported net income was 13.9B IDR in FY2025.

Key figures

Market cap 236B IDR (≈ $13.1M) Micro · P/S ratio 0.32 · Net margin 3.1% · Return on equity 9.5% · Return on assets (EBIT) −2.7% (3-year average) · Operating margin 6.3% · Revenue (TTM) 741B IDR · Revenue growth (YoY) −58.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).

What moves the price

The share trades about 54% 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 −31% fair-value upside, at −34%, YOII screens richer than that median.

Fair Value models

Bear 39.29 IDR Fair Value 39.57 IDR Bull 42.09 IDR
Price 60.00 IDR · Downside -34.1%
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. 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
P/E Multiple 34.48 IDR 45.98 IDR 57.47 IDR 63
Residual Income 39.29 IDR 39.57 IDR 42.09 IDR 63
P/B Multiple 56.42 IDR 75.23 IDR 94.04 IDR 55
All 4 models by family
Multiples
P/E Multiple 34.48 IDR 45.98 IDR 57.47 IDR 63
P/B Multiple 56.42 IDR 75.23 IDR 94.04 IDR 55
Asset-Based
NCAV (Graham) 26.87 IDR 36.00 IDR 53.74 IDR 54
Economic Profit
Residual Income 39.29 IDR 39.57 IDR 42.09 IDR 63

Open the full fair value analysis →

Quality Score breakdown

Overall quality 69/100

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 71
Are margins and returns getting better?
Cashflow 69
Do the profits arrive as real cash?
Financial strength 57
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 9
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
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 ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
not computed

YOII screens overvalued: fair value 34% 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 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 69 · Top 25%
Fair Value upside −34.1% · Below median
Profitability
Return on equity (12 months) 9.5% · Below median
Return on assets 4.0% · Above median
Net margin (12 months) 3.1% · Bottom 25%
Operating margin (12 months) 6.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −58.0% · Bottom 25%
Balance sheet
Debt / equity 0.21× · Below median

Valuation Multiplesvs Insurance - Diversified median · lower = cheaper

P/B 1.12× · Cheaper than median
P/S (12 months) 0.32× · Cheapest 25%
EV/EBITDA 8.6× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 9
FUTURE (revenue growth)0 · sector 38
PAST (return on equity)38 · sector 54
HEALTH (low debt)89 · sector 89
DIVIDEND (yield)0 · sector 74

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

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Asuransi Digital Bersama Tbk: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Asuransi Digital Bersama Tbk Fair Value". https://www.fairvalue-calculator.com/stock/YOII

Frequently asked questions

Is Asuransi Digital Bersama Tbk (YOII) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 39.57 IDR versus a price of 60.00 IDR, about 34% lower (overvalued).
What is the fair value of YOII?
Our model-based fair value for Asuransi Digital Bersama Tbk is 39.57 IDR (as of Nov 5, 2026), built from audited fundamentals. The current price: 60.00 IDR.
What is the quality score of YOII?
Asuransi Digital Bersama Tbk has a Quality Score of 69/100. 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 Digital Bersama Tbk (YOII)?
Our model-based price target is the fair value of 39.57 IDR (as of Nov 5, 2026) from 4 valuation models. Cautious scenario 39.29 IDR, optimistic scenario 42.09 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Asuransi Digital Bersama Tbk stock forecast for 2026?
Our models put fair value at 39.57 IDR, about 34% lower versus a price of 60.00 IDR (overvalued). Cautious scenario 39.29 IDR, optimistic scenario 42.09 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Asuransi Digital Bersama Tbk (YOII)?
Asuransi Digital Bersama Tbk reported trailing-twelve-month revenue of about 741B IDR (latest available figure, as of Nov 5, 2026).
What is the intrinsic value of Asuransi Digital Bersama Tbk (YOII)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Asuransi Digital Bersama Tbk it is 39.57 IDR per share (as of Nov 5, 2026), against a price of 60.00 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Asuransi Digital Bersama Tbk stock overvalued or undervalued in 2026?
As of Nov 5, 2026, YOII trades above its calculated fair value: price 60.00 IDR, fair value 39.57 IDR, a gap of about −34% (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 YOII?
No. The price is what the market pays today (60.00 IDR); the fair value is what the company's own numbers justify (39.57 IDR). For Asuransi Digital Bersama Tbk the two are 20.43 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Asuransi Digital Bersama Tbk worth?
The market values Asuransi Digital Bersama Tbk at about 236B IDR (market capitalisation, as of Nov 5, 2026). Per share that is 60.00 IDR; our models calculate a fair value of 39.57 IDR per share.
What do the bullish and bearish scenarios say about YOII?
Our models span a range for Asuransi Digital Bersama Tbk: cautious scenario 39.29 IDR, base 39.57 IDR, optimistic 42.09 IDR per share (as of Nov 5, 2026, price 60.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Asuransi Digital Bersama Tbk (YOII)?
Balance-sheet figures for Asuransi Digital Bersama Tbk (as of Nov 5, 2026): return on equity 9.5%, debt of 0.21 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is YOII from its 52-week high?
Asuransi Digital Bersama Tbk trades at 60.00 IDR, about 54% below its 52-week high of 130.00 IDR and 2% above the low of 59.00 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 39.57 IDR is for.
Which stocks are comparable to Asuransi Digital Bersama Tbk?
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 Asuransi Digital Bersama Tbk stock attractive at the current price?
The data as of Nov 5, 2026: price 60.00 IDR, calculated fair value 39.57 IDR (−34%), Quality Score 69/100, 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 YOII calculated?
We run Asuransi Digital Bersama Tbk through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 39.57 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 Digital Bersama 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 Digital Bersama Tbk (YOII)?
The closing price on Nov 6, 2026 was 60.00 IDR. Our model-based fair value is 39.57 IDR, about 34% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Asuransi Digital Bersama Tbk right now?
The price sits above even our optimistic bull case (42.09 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 (69/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band (39.29 IDR to 42.09 IDR), unusually little disagreement for a valuation.

Key figures of Asuransi Digital Bersama Tbk

How large is the market capitalisation of Asuransi Digital Bersama Tbk (YOII)?
The market capitalisation of Asuransi Digital Bersama Tbk is 236B IDR (≈ $13.1M). 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 Digital Bersama Tbk (YOII)?
The price-to-sales ratio of Asuransi Digital Bersama Tbk is 0.32 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Asuransi Digital Bersama Tbk (YOII)?
The net margin of Asuransi Digital Bersama Tbk is 3.1% (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 Digital Bersama Tbk (YOII)?
The return on equity (ROE) of Asuransi Digital Bersama Tbk is 9.5% (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 Digital Bersama Tbk (YOII)?
On an EBIT basis the return on assets of Asuransi Digital Bersama Tbk is −2.7% (avg 3y). 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 Digital Bersama Tbk (YOII)?
The operating margin of Asuransi Digital Bersama Tbk is 6.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Asuransi Digital Bersama Tbk (YOII)?
Revenue at Asuransi Digital Bersama Tbk is growing −58.0% versus a year earlier. 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 Digital Bersama Tbk (YOII)?
Earnings per share at Asuransi Digital Bersama Tbk are growing +97.6% versus a year earlier. How much earnings per share grew versus a year earlier.
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