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STOCK COMPARISON

Allianz SE VNA O.N. vs Asuransi Digital Bersama Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Allianz SE VNA O.N. (ALV) and Asuransi Digital Bersama Tbk (YOII) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Allianz SE VNA O.N. as the less overvalued of the two: Allianz SE VNA O.N. trades at €419 versus a fair value of €242 (-42%), while Asuransi Digital Bersama Tbk trades at IDR 80 versus IDR 40 (-51%).
Allianz SE VNA O.N.
ALV.XETRA · EUR · Financials
-42%
upside to fair value
overvalued
Price€419
Fair Value€242
Quality63/100
Asuransi Digital Bersama Tbk
YOII.JK · IDR · Financials
-51%
upside to fair value
overvalued
PriceIDR 80
Fair ValueIDR 40
Quality69/100
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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

Allianz SE VNA O.N.Asuransi Digital Bersama Tbk
Valuation
13.4×P/E (TTM)n/a
1.53×P/S (TTM)n/a
2.82×P/Bn/a
9.1×EV/EBITDAn/a
2.93×PEGn/a
−42.2%Fair value upside−50.5%
4.0%Dividend yieldn/a
Profitability
19%Operating margin3%
0.61×EBIT margin trend (5Y)n/a
19%Return on equity6%
1%Return on assets4%
Growth
9%Revenue growth (YoY)-23%
3.1%Avg. growth/yr (3Y)n/a
3.0%Avg. growth/yr (5Y)n/a
+15.7%Value creation/yrn/a
Balance & size
20.4×Interest coverage (EBIT/interest)n/a
0.52×Debt / equity0.21×
$177BMarket cap$33M
mixedGrowth qualityhealthy

Asuransi Digital Bersama Tbk leads: 2 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.

Allianz SE VNA O.N.of which business quality 57 · market factors 73 Asuransi Digital Bersama Tbkof which business quality 67 · market factors 16
ProfitabilityMargins and returns on capital today
30
47
Quality GrowthAre margins and returns improving?
46
71
CashflowEarnings quality: real cash, not paper profit
94
69
Fin. StrengthBalance sheet, leverage, solvency risk
10
57
InvestmentDisciplined investing over empire-building
87
100
Low VolatilityCalm price path (market factor)
90
11
MomentumPrice trend over the last 3–12 months (market factor)
64
21
52W MomentumDistance to the 52-week high (market factor)
67
13
Net IssuanceShare count: buybacks or dilution?
100
80

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 familyAllianz SE VNA O.N.Price €419Asuransi Digital Bersama TbkPrice IDR 80
Dividend Discount-50%below the price€208n/a
Multiples-28%below the price€300-34%below the priceIDR 53
Asset-Based-74%below the price€111-55%below the priceIDR 36
Economic Profit-45%below the price€230-45%below the priceIDR 44
Minimum-74%below the price€111-55%below the priceIDR 36
Maximum-28%below the price€300-34%below the priceIDR 53
Median-48%below the price€219-45%below the priceIDR 44
Geometric mean-52%below the price€200-45%below the priceIDR 44

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%.

Allianz SE VNA O.N.: 6 of 6 models see the stock below the current price.

Asuransi Digital Bersama Tbk: 4 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.

Allianz SE VNA O.N.
Price €419
Fair Value €242
Bear €194Bull €333
Asuransi Digital Bersama Tbk
Price IDR 80
Fair Value IDR 40
Bear IDR 39Bull IDR 40

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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.

Allianz SE VNA O.N. · Financials

Quality score63 · Top 25%
Fair value upside-42% · bottom 25%

Asuransi Digital Bersama Tbk · Financials

Quality score69 · Top 25%
Fair value upside-51% · bottom 25%

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Allianz SE VNA O.N. as the less overvalued of the two: Allianz SE VNA O.N. trades at €419 versus a fair value of €242 (-42%), while Asuransi Digital Bersama Tbk trades at IDR 80 versus IDR 40 (-51%).

Asuransi Digital Bersama Tbk has the higher quality score (69/100).

Open Allianz SE VNA O.N. live analysis →
Allianz SE VNA O.N. · Asuransi Digital Bersama Tbk

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