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STOCK COMPARISON

Morgan Stanley vs Minna Padi Investama Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Morgan Stanley (MS) and Minna Padi Investama Tbk (PADI) compare, as of Oct 5, 2026.

As of Oct 5, 2026, Fair Value Calculator sees Morgan Stanley as the more attractively valued of the two: Morgan Stanley trades at $190 versus a fair value of $314 (+65.0%), while Minna Padi Investama Tbk trades at IDR 40 versus IDR 4 (−89.9%).
Morgan Stanley
MS · USD · Financials
+65.0%
upside to fair value
undervalued
Price$190
Fair Value$314
Quality66/100
Minna Padi Investama Tbk
PADI.JK · IDR · Financials
−89.9%
upside to fair value
overvalued
PriceIDR 40
Fair ValueIDR 4
Quality51/100
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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

Morgan StanleyMinna Padi Investama Tbk
Valuation
15.5×P/E (TTM)88.3×
13.9×Forward P/E (FY2027)n/a
13.1×Median P/E at FY-end (10 FY, ex one-offs where documented)n/a
3.90×P/S (TTM)n/a
2.72×P/Bn/a
20.3×EV/EBITDAn/a
1.76×PEGn/a
+65.0%Fair value upside−89.9%
2.2%Dividend yieldn/a
$4.15Dividend per sharen/a
Profitability
41.6%Operating margin128.7%
0.66×EBIT margin trend (5Y)n/a
18.0%Return on equity-10.3%
1.4%Return on assets-8.3%
Growth
28.0%Revenue growth (YoY)192.8%
22.5%Avg. growth/yr (3Y)139.4%
18.3%Avg. growth/yr (5Y)n/a
+8.5%Value creation/yrn/a
Balance & size
0.4×Interest coverage (EBIT/interest)37.5×
3.13×Debt / equity0.04×
$303BMarket cap$30M
mixedGrowth qualitymixed
Morgan Stanley, median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2022, FY2023 ex one-offs: 13.1.
Forward P/E: price divided by the analyst consensus for the first fiscal year that has not started yet. The current year carries special items from quarters already reported.

Minna Padi Investama Tbk leads: 3 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.

Morgan Stanleyof which business quality 61 · market factors 56 Minna Padi Investama Tbkof which business quality 47 · market factors 19
ProfitabilityMargins and returns on capital today
31
19
Quality GrowthAre margins and returns improving?
56
100
CashflowEarnings quality: real cash, not paper profit
100
1
Fin. StrengthBalance sheet, leverage, solvency risk
26
76
InvestmentDisciplined investing over empire-building
82
91
Low VolatilityCalm price path (market factor)
58
50
MomentumPrice trend over the last 3–12 months (market factor)
54
9
52W MomentumDistance to the 52-week high (market factor)
57
0
Net IssuanceShare count: buybacks or dilution?
87
30

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 familyMorgan StanleyPrice $190Minna Padi Investama TbkPrice IDR 40
DCF Models+115.4%above the price$410−76.1%below the priceIDR 10
Earnings-Based+12.7%close to the price$215−86.2%below the priceIDR 6
Dividend Discount−57.9%below the price$80.18n/a
Multiples−37.2%below the price$120−95.0%below the priceIDR 2
Asset-Based−75.0%below the price$47.62−80.5%below the priceIDR 8
Growth DCF+244.9%above the price$656n/a
Economic Profit−49.4%below the price$96.23−81.9%below the priceIDR 7
Minimum−75.0%below the price$47.62−95.0%below the priceIDR 2
Maximum+244.9%above the price$656−76.1%below the priceIDR 10
Median−37.2%below the price$120−81.9%below the priceIDR 7
Geometric mean−16.6%below the price$159−85.8%below the priceIDR 6

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%.

Morgan Stanley: 7 of 13 models see the stock below the current price.

Minna Padi Investama Tbk: 7 of 7 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.

Morgan Stanley
Price $190
Fair Value $314
Bear $105Bull $429
Minna Padi Investama Tbk
Price IDR 40
Fair Value IDR 4
Bear IDR 2Bull IDR 6

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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.

Morgan Stanley · Financials

Quality score66 · Top 25%
Fair value upside+65.0% · Top 25%

Minna Padi Investama Tbk · Financials

Quality score51 · below median
Fair value upside−89.9% · bottom 25%

Bottom line

As of Oct 5, 2026, Fair Value Calculator sees Morgan Stanley as the more attractively valued of the two: Morgan Stanley trades at $190 versus a fair value of $314 (+65.0%), while Minna Padi Investama Tbk trades at IDR 40 versus IDR 4 (−89.9%).

Morgan Stanley has the higher quality score (66/100).

Open Morgan Stanley live analysis →

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