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STOCK COMPARISON

Inter-Delta Tbk vs UPM-Kymmene Oyj: Fair Value & Quality

Both stocks run through our valuation models. Here is how Inter-Delta Tbk (INTD) and UPM-Kymmene Oyj (UPM) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees UPM-Kymmene Oyj as the less overvalued of the two: Inter-Delta Tbk trades at IDR 358 versus a fair value of IDR 107 (-70%), while UPM-Kymmene Oyj trades at €25.92 versus €21.04 (-19%).
Inter-Delta Tbk
INTD.JK · IDR · Consumer Discretionary
-70%
upside to fair value
overvalued
PriceIDR 358
Fair ValueIDR 107
Quality56/100
UPM-Kymmene Oyj
UPM.HE · EUR · Materials
-19%
upside to fair value
overvalued
Price€25.92
Fair Value€21.04
Quality60/100
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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

Inter-Delta TbkUPM-Kymmene Oyj
Valuation
72.3×P/E (TTM)25.4×
n/aP/S (TTM)1.64×
n/aP/B1.56×
n/aEV/EBITDA15.4×
n/aPEG12.89×
−70.0%Fair value upside−18.8%
n/aDividend yield5.8%
n/aDividend per share€1.50
Profitability
-7%Operating margin10%
n/aEBIT margin trend (5Y)0.51×
-5%Return on equity5%
-7%Return on assets2%
Growth
-15%Revenue growth (YoY)-5%
-5.7%Avg. growth/yr (3Y)-6.3%
-6.8%Avg. growth/yr (5Y)2.4%
n/aValue creation/yr−8.7%
Balance & size
n/aInterest coverage (EBIT/interest)4.2×
0.01×Debt / equity0.28×
$21MMarket cap$16B
weakGrowth qualityweak
Valuation multiples (P/E, P/S, P/B, EV/EBITDA) are shown but not scored here: the two companies sit in different sectors, and multiples only compare fairly between similar business models. PEG stays scored, as it relates the P/E to growth.

UPM-Kymmene Oyj leads: 2 to 4 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.

Inter-Delta Tbkof which business quality 56 · market factors 81 UPM-Kymmene Oyjof which business quality 58 · market factors 67
ProfitabilityMargins and returns on capital today
18
26
Quality GrowthAre margins and returns improving?
43
38
CashflowEarnings quality: real cash, not paper profit
33
66
Fin. StrengthBalance sheet, leverage, solvency risk
87
55
InvestmentDisciplined investing over empire-building
100
96
Low VolatilityCalm price path (market factor)
50
90
MomentumPrice trend over the last 3–12 months (market factor)
96
50
52W MomentumDistance to the 52-week high (market factor)
92
69
Net IssuanceShare count: buybacks or dilution?
82
88

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 familyInter-Delta TbkPrice IDR 358UPM-Kymmene OyjPrice €25.92
DCF Modelsn/a-43%below the price€14.71
Earnings-Basedn/a-84%below the price€4.21
Dividend Discountn/a-38%below the price€16.20
Multiplesn/a-40%below the price€15.45
Asset-Based-89%below the priceIDR 40-51%below the price€12.71
Growth DCFn/a-33%below the price€17.31
Economic Profitn/a-70%below the price€7.88
Growth Earningsn/a-54%below the price€11.81
Minimum-89%below the priceIDR 40-84%below the price€4.21
Maximum-89%below the priceIDR 40-33%below the price€17.31
Median-89%below the priceIDR 40-47%below the price€13.71
Geometric mean-89%below the priceIDR 40-55%below the price€11.55

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%.

Inter-Delta Tbk: 1 of 1 models see the stock below the current price.

UPM-Kymmene Oyj: 24 of 24 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.

Inter-Delta Tbk
Price IDR 358
Fair Value IDR 107
Bear IDR 71Bull IDR 134
UPM-Kymmene Oyj
Price €25.92
Fair Value €21.04
Bear €15.60Bull €25.27

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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.

Inter-Delta Tbk · Consumer Discretionary

Quality score56 · above median
Fair value upside-70% · bottom 25%

UPM-Kymmene Oyj · Materials

Quality score60 · Top 25%
Fair value upside-19% · above median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees UPM-Kymmene Oyj as the less overvalued of the two: Inter-Delta Tbk trades at IDR 358 versus a fair value of IDR 107 (-70%), while UPM-Kymmene Oyj trades at €25.92 versus €21.04 (-19%).

UPM-Kymmene Oyj has the higher quality score (60/100).

Open UPM-Kymmene Oyj live analysis →
Inter-Delta Tbk · UPM-Kymmene Oyj

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