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STOCK COMPARISON

Asuransi Harta Aman Pratama Tbk PT vs Progressive: Fair Value & Quality

Both stocks run through our valuation models. Here is how Asuransi Harta Aman Pratama Tbk PT (AHAP) and Progressive (PGR) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Progressive as the less overvalued of the two: Asuransi Harta Aman Pratama Tbk PT trades at IDR 100 versus a fair value of IDR 23 (-77%), while Progressive trades at $207 versus $160 (-23%).
Asuransi Harta Aman Pratama Tbk PT
AHAP.JK · IDR · Financials
-77%
upside to fair value
overvalued
PriceIDR 100
Fair ValueIDR 23
Quality36/100
Progressive
PGR · USD · Financials
-23%
upside to fair value
overvalued
Price$207
Fair Value$160
Quality65/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Asuransi Harta Aman Pratama Tbk PTProgressive
Valuation
n/aP/E (TTM)10.5×
n/aP/S (TTM)1.50×
n/aP/B4.43×
n/aEV/EBITDA9.3×
n/aPEG35.19×
−76.7%Fair value upside−22.6%
n/aDividend yield0.2%
n/aDividend per share$0.40
Profitability
-2%Operating margin16%
n/aEBIT margin trend (5Y)0.96×
-10%Return on equity38%
-2%Return on assets8%
Growth
10%Revenue growth (YoY)9%
48.7%Avg. growth/yr (3Y)20.9%
41.6%Avg. growth/yr (5Y)15.5%
n/aValue creation/yr+33.4%
Balance & size
n/aInterest coverage (EBIT/interest)51.2×
0.18×Debt / equity0.23×
$49MMarket cap$134B
mixedGrowth qualitymixed

Even match: 3 to 3 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Asuransi Harta Aman Pratama Tbk PTof which business quality 36 · market factors 47 Progressiveof which business quality 64 · market factors 48
ProfitabilityMargins and returns on capital today
35
61
Quality GrowthAre margins and returns improving?
52
64
CashflowEarnings quality: real cash, not paper profit
10
81
Fin. StrengthBalance sheet, leverage, solvency risk
6
54
InvestmentDisciplined investing over empire-building
67
37
Low VolatilityCalm price path (market factor)
50
87
MomentumPrice trend over the last 3–12 months (market factor)
50
36
52W MomentumDistance to the 52-week high (market factor)
40
26
Net IssuanceShare count: buybacks or dilution?
82
81

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyAsuransi Harta Aman Pratama Tbk PTPrice IDR 100ProgressivePrice $207
Multiplesn/a-21%below the price$163
Asset-Based-77%below the priceIDR 23-83%below the price$34.90
Economic Profitn/a+2%close to the price$211
Minimum-77%below the priceIDR 23-83%below the price$34.90
Maximum-77%below the priceIDR 23+2%close to the price$211
Median-77%below the priceIDR 23-21%below the price$163
Geometric mean-77%below the priceIDR 23-49%below the price$106

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Asuransi Harta Aman Pratama Tbk PT: 1 of 1 models see the stock below the current price.

Progressive: 2 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Asuransi Harta Aman Pratama Tbk PT
Price IDR 100
Fair Value IDR 23
Bear IDR 17Bull IDR 35
Progressive
Price $207
Fair Value $160
Bear $120Bull $200

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Asuransi Harta Aman Pratama Tbk PT · Financials

Quality score36 · bottom 25%
Fair value upside-77% · bottom 25%

Progressive · Financials

Quality score65 · Top 25%
Fair value upside-23% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Progressive as the less overvalued of the two: Asuransi Harta Aman Pratama Tbk PT trades at IDR 100 versus a fair value of IDR 23 (-77%), while Progressive trades at $207 versus $160 (-23%).

Progressive has the higher quality score (65/100).

Open Progressive live analysis →
Asuransi Harta Aman Pratama Tbk PT · Progressive

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.