Asuransi Bina Dana Arta Tbk (ABDA) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Asuransi Bina Dana Arta Tbk IDR 2,306, price IDR 4,930, upside -53.2%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 2,230 IDR – 7,718 IDR · fair‑value band 1,730 IDR – 2,883 IDR · the 4,930 IDR price screens above the 2,306 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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PT Asuransi Bina Dana Arta Tbk operates as a general insurance company in Indonesia. The company offers car, motor vehicles, fire, personal accident and health, group health, freight, home, property, critical illness, engineering, marine cargo, miscellaneous, travel, and other insurance products. It also provides motor vehicle repair services.
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PT Asuransi Bina Dana Arta Tbk operates as a general insurance company in Indonesia. The company offers car, motor vehicles, fire, personal accident and health, group health, freight, home, property, critical illness, engineering, marine cargo, miscellaneous, travel, and other insurance products. It also provides motor vehicle repair services. PT Asuransi Bina Dana Arta Tbk was founded in 1982 and is headquartered in Jakarta, Indonesia. PT Asuransi Bina Dana Arta Tbk is a subsidiary of Oona Insurance Pte. Ltd.
Stock analysis
Asuransi Bina Dana Arta Tbk (ABDA) currently trades at 4,930 IDR, while our model-based Fair Value estimate is 2,306 IDR, implying the stock looks roughly 113.8% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 2,089 IDR per share, and 0 of the 4 models we run sit above the 4,930 IDR price.
Bear case: the Asset-Based group reads lowest at 1,921 IDR, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 1,730 IDR (bear) to 2,883 IDR (bull), the price of 4,930 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 63/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Asuransi Bina Dana Arta Tbk reported revenue of 1.1T IDR in FY2025 versus 789B IDR in FY2021, a compound +7.8%/yr. Reported net income was 99.8B IDR in FY2025, compounding −10.8%/yr from FY2021.
Key figures
Market cap 3.1T IDR (≈ $171M) · P/E ratio 20.1 · P/S ratio 1.88 · EPS (TTM) 168.98 IDR · Net margin 9.4% · Return on equity 6.3% · Return on assets (EBIT) 3.9% · Operating margin 11.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 121% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −53%, ABDA screens richer than that median.
Fair Value models
Bear 1,730 IDRFair Value 2,306 IDRBull 2,883 IDR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (124.07 IDR per share) are deliberately not added.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.Evidence ⓘEvidence = 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.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.45/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+14.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.3%
Start year 2020 (pandemic). Over 10 years: −2.6% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.4%
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What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−6.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−6% vs −5%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.18% → 9%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 2.3%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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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 - Property & Casualty · 119 stocks
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Cite: Fair Value Calculator (2026). "Asuransi Bina Dana Arta Tbk Fair Value". https://www.fairvalue-calculator.com/stock/ABDA
Frequently asked questions
Is Asuransi Bina Dana Arta Tbk (ABDA) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 2,306 IDR versus a price of 4,930 IDR, about −53% upside (overvalued).
What is the fair value of ABDA?
Our model-based fair value for Asuransi Bina Dana Arta Tbk is 2,306 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 4,930 IDR.
What is the quality score of ABDA?
Asuransi Bina Dana Arta Tbk has a Quality Score of 63/100. 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 Bina Dana Arta Tbk (ABDA)?
Our model-based price target is the fair value of 2,306 IDR (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 1,730 IDR, optimistic scenario 2,883 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Asuransi Bina Dana Arta Tbk stock forecast for 2026?
Our models put fair value at 2,306 IDR, about −53% upside versus a price of 4,930 IDR (overvalued). Cautious scenario 1,730 IDR, optimistic scenario 2,883 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Asuransi Bina Dana Arta Tbk (ABDA)?
Asuransi Bina Dana Arta Tbk reported trailing-twelve-month revenue of about 1.1T IDR (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Asuransi Bina Dana Arta Tbk (ABDA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Asuransi Bina Dana Arta Tbk it is 2,306 IDR per share (as of Sep 24, 2026), against a price of 4,930 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Asuransi Bina Dana Arta Tbk stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ABDA trades above its calculated fair value: price 4,930 IDR, fair value 2,306 IDR, a gap of about −53% (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 ABDA?
No. The price is what the market pays today (4,930 IDR); the fair value is what the company's own numbers justify (2,306 IDR). For Asuransi Bina Dana Arta Tbk the two are 2,624 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Asuransi Bina Dana Arta Tbk worth?
The market values Asuransi Bina Dana Arta Tbk at about 3.1T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 4,930 IDR; our models calculate a fair value of 2,306 IDR per share.
What do the bullish and bearish scenarios say about ABDA?
Our models span a range for Asuransi Bina Dana Arta Tbk: cautious scenario 1,730 IDR, base 2,306 IDR, optimistic 2,883 IDR per share (as of Sep 24, 2026, price 4,930 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ABDA?
Asuransi Bina Dana Arta Tbk trades at a price-to-earnings ratio of 20.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2,306 IDR is built from several models across several years. Other multiples: P/B 1.7, P/S 2.9, EV/EBITDA 15.8.
How solid is the balance sheet of Asuransi Bina Dana Arta Tbk (ABDA)?
Balance-sheet figures for Asuransi Bina Dana Arta Tbk (as of Sep 24, 2026): return on equity 6.3%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is ABDA from its 52-week high?
Asuransi Bina Dana Arta Tbk trades at 4,930 IDR, about 5% below its 52-week high of 5,200 IDR and 121% above the low of 2,230 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 2,306 IDR is for.
Which stocks are comparable to Asuransi Bina Dana Arta Tbk?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, 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 Bina Dana Arta Tbk stock attractive at the current price?
The data as of Sep 24, 2026: price 4,930 IDR, calculated fair value 2,306 IDR (−53%), Quality Score 63/100, 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 ABDA calculated?
We run Asuransi Bina Dana Arta Tbk through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 2,306 IDR, 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 14.0 % above its aggregate fair value. Asuransi Bina Dana Arta 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 Bina Dana Arta Tbk (ABDA)?
The closing price on Sep 24, 2026 was 4,930 IDR. Our model-based fair value is 2,306 IDR, about −53% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Asuransi Bina Dana Arta Tbk right now?
The price sits above even our optimistic bull case (2,883 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 (63/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Asuransi Bina Dana Arta Tbk
How large is the market capitalisation of Asuransi Bina Dana Arta Tbk (ABDA)?
The market capitalisation of Asuransi Bina Dana Arta Tbk is 3.1T IDR (≈ $171M). 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 Bina Dana Arta Tbk (ABDA)?
The price-to-sales ratio of Asuransi Bina Dana Arta Tbk is 1.88 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Asuransi Bina Dana Arta Tbk (ABDA)?
Earnings per share at Asuransi Bina Dana Arta Tbk are 168.98 IDR (price ÷ EPS = P/E 20.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Asuransi Bina Dana Arta Tbk (ABDA)?
The net margin of Asuransi Bina Dana Arta Tbk is 9.4% (fiscal year 2025). 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 Bina Dana Arta Tbk (ABDA)?
The return on equity (ROE) of Asuransi Bina Dana Arta Tbk is 6.3% (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 Bina Dana Arta Tbk (ABDA)?
On an EBIT basis the return on assets of Asuransi Bina Dana Arta Tbk is 3.9% (avg 5y). 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 Bina Dana Arta Tbk (ABDA)?
The operating margin of Asuransi Bina Dana Arta Tbk is 11.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Asuransi Bina Dana Arta Tbk (ABDA)?
Revenue at Asuransi Bina Dana Arta Tbk is growing +44.1% versus a year earlier (3y avg +12.3%). 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 Bina Dana Arta Tbk (ABDA)?
Earnings per share at Asuransi Bina Dana Arta Tbk are growing +21.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Asuransi Bina Dana Arta Tbk (ABDA) generate?
The free cash flow of Asuransi Bina Dana Arta Tbk is 2.5B IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Asuransi Bina Dana Arta Tbk (ABDA) hold?
Asuransi Bina Dana Arta Tbk holds more cash than debt, 919B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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