Asuransi Harta Aman Pratama Tbk PT (AHAP) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Asuransi Harta Aman Pratama Tbk PT IDR 23, price IDR 100, upside -76.7%, quality 42 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 42.49 IDR – 191.00 IDR · fair‑value band 17.40 IDR – 34.80 IDR · the 100.00 IDR price screens above the 23.31 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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PT Asuransi Harta Aman Pratama Tbk provides general insurance services and products in Indonesia. It operates through five segments: Property, Motor Vehicles, Marine Cargo, Engineering, and Miscellaneous.
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PT Asuransi Harta Aman Pratama Tbk provides general insurance services and products in Indonesia. It operates through five segments: Property, Motor Vehicles, Marine Cargo, Engineering, and Miscellaneous. The company offers various insurance products, including property/industrial all risk, motor vehicle, freight, contractor machinery and equipment/heavy equipment, comprehensive machinery, travel, fire, earthquake, ship hull, legal liability insurance for delivery services, terrorism and sabotage, construction project, civil engineering work result risk, and advertising/neon sign insurance. It also provides electronic equipment, burglary, movable property all risk, money saving, money shipping, dishonesty guarantee, personal accident, and comprehensive general liability insurance. The company was founded in 1982 and is headquartered in Jakarta Pusat, Indonesia. PT Asuransi Harta Aman Pratama Tbk operates as a subsidiary of PT Asuransi Central Asia.
Stock analysis
Asuransi Harta Aman Pratama Tbk PT (AHAP) currently trades at 100.00 IDR, while our model-based Fair Value estimate is 23.31 IDR, implying the stock looks roughly 329.0% overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 96/100, which puts the evidence level at low.
Scenario range: 17.40 IDR (bear) to 34.80 IDR (bull), the price of 100.00 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 42/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Asuransi Harta Aman Pratama Tbk PT reported revenue of 813B IDR in FY2025 versus 205B IDR in FY2021, a compound +41.1%/yr. Reported net income was −30.5B IDR in FY2025.
Key figures
Market cap 490B IDR (≈ $49.0M) · P/S ratio 0.35 · EPS (TTM) −2.97 IDR · Net margin −3.8% · Return on equity −11.2% · Return on assets (EBIT) −0.9% · Operating margin 0.7% · Revenue (TTM) 810B IDR.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The share trades about 53% below its 52-week high and 72% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at −77%, AHAP screens richer than that median.
Fair Value models
Bear 17.40 IDRFair Value 23.31 IDRBull 34.80 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.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.36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+180.3%
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.
+48.7%
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.
+41.6%
Start year 2020 (pandemic). Over 10 years: +12.4% 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.
+19.5%
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Profit margin (trend) ⓘ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.
−72.5% (2019) → −3.9% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Asuransi Harta Aman Pratama Tbk PT with another stock
Price, fair value, quality and upside side by side.
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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 · 120 stocks
Beats the industry median on 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score36 · Bottom 25%
Fair Value upside−77% · Bottom 25%
Profitability
Return on assets−2% · Bottom 25%
Net margin (TTM)−2% · Bottom 25%
Operating margin (TTM)−2% · Bottom 25%
Growth and dividend
Revenue growth10% · Above median
Balance sheet
Debt / equity0.18× · Below median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 22
FUTURE (revenue growth)51· sector 34
PAST (return on equity)0· sector 56
HEALTH (low debt)91· sector 91
DIVIDEND (yield)0· sector 50
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Asuransi Harta Aman Pratama Tbk PT Fair Value". https://www.fairvalue-calculator.com/stock/AHAP
Frequently asked questions
Is Asuransi Harta Aman Pratama Tbk PT (AHAP) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 23.31 IDR versus a price of 100.00 IDR, about −77% upside (overvalued).
What is the fair value of AHAP?
Our model-based fair value for Asuransi Harta Aman Pratama Tbk PT is 23.31 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 100.00 IDR.
What is the quality score of AHAP?
Asuransi Harta Aman Pratama Tbk PT has a Quality Score of 42/100. 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 Harta Aman Pratama Tbk PT (AHAP)?
Our model-based price target is the fair value of 23.31 IDR (as of Sep 24, 2026) from 1 valuation models. Cautious scenario 17.40 IDR, optimistic scenario 34.80 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Asuransi Harta Aman Pratama Tbk PT stock forecast for 2026?
Our models put fair value at 23.31 IDR, about −77% upside versus a price of 100.00 IDR (overvalued). Cautious scenario 17.40 IDR, optimistic scenario 34.80 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Asuransi Harta Aman Pratama Tbk PT (AHAP)?
Asuransi Harta Aman Pratama Tbk PT reported trailing-twelve-month revenue of about 810B IDR (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Asuransi Harta Aman Pratama Tbk PT (AHAP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Asuransi Harta Aman Pratama Tbk PT it is 23.31 IDR per share (as of Sep 24, 2026), against a price of 100.00 IDR. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Asuransi Harta Aman Pratama Tbk PT stock overvalued or undervalued in 2026?
As of Sep 24, 2026, AHAP trades above its calculated fair value: price 100.00 IDR, fair value 23.31 IDR, a gap of about −77% (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 AHAP?
No. The price is what the market pays today (100.00 IDR); the fair value is what the company's own numbers justify (23.31 IDR). For Asuransi Harta Aman Pratama Tbk PT the two are 76.69 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Asuransi Harta Aman Pratama Tbk PT worth?
The market values Asuransi Harta Aman Pratama Tbk PT at about 490B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 100.00 IDR; our models calculate a fair value of 23.31 IDR per share.
What do the bullish and bearish scenarios say about AHAP?
Our models span a range for Asuransi Harta Aman Pratama Tbk PT: cautious scenario 17.40 IDR, base 23.31 IDR, optimistic 34.80 IDR per share (as of Sep 24, 2026, price 100.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Asuransi Harta Aman Pratama Tbk PT (AHAP)?
Balance-sheet figures for Asuransi Harta Aman Pratama Tbk PT (as of Sep 24, 2026): return on equity −9.9%, debt of 0.18 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is AHAP from its 52-week high?
Asuransi Harta Aman Pratama Tbk PT trades at 100.00 IDR, about 53% below its 52-week high of 214.00 IDR and 72% above the low of 58.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 23.31 IDR is for.
Which stocks are comparable to Asuransi Harta Aman Pratama Tbk PT?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, 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 Harta Aman Pratama Tbk PT stock attractive at the current price?
The data as of Sep 24, 2026: price 100.00 IDR, calculated fair value 23.31 IDR (−77%), Quality Score 42/100, from 1 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 AHAP calculated?
We run Asuransi Harta Aman Pratama Tbk PT through 1 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 23.31 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 14.1 % above its aggregate fair value. Asuransi Harta Aman Pratama Tbk PT 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 Harta Aman Pratama Tbk PT (AHAP)?
The closing price on Sep 22, 2026 was 100.00 IDR. Our model-based fair value is 23.31 IDR, about −77% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Asuransi Harta Aman Pratama Tbk PT right now?
The price sits above even our optimistic bull case (34.80 IDR). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (17.40 IDR to 34.80 IDR) leaves room in how you read the outcome.
Key figures of Asuransi Harta Aman Pratama Tbk PT
How large is the market capitalisation of Asuransi Harta Aman Pratama Tbk PT (AHAP)?
The market capitalisation of Asuransi Harta Aman Pratama Tbk PT is 490B IDR (≈ $49.0M). 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 Harta Aman Pratama Tbk PT (AHAP)?
The price-to-sales ratio of Asuransi Harta Aman Pratama Tbk PT is 0.35 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Asuransi Harta Aman Pratama Tbk PT (AHAP)?
Earnings per share at Asuransi Harta Aman Pratama Tbk PT are −2.97 IDR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Asuransi Harta Aman Pratama Tbk PT (AHAP)?
The net margin of Asuransi Harta Aman Pratama Tbk PT is −3.8% (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 Harta Aman Pratama Tbk PT (AHAP)?
The return on equity (ROE) of Asuransi Harta Aman Pratama Tbk PT is −11.2% (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 Harta Aman Pratama Tbk PT (AHAP)?
On an EBIT basis the return on assets of Asuransi Harta Aman Pratama Tbk PT is −0.9% (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 Harta Aman Pratama Tbk PT (AHAP)?
The operating margin of Asuransi Harta Aman Pratama Tbk PT is 0.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Asuransi Harta Aman Pratama Tbk PT (AHAP)?
Revenue at Asuransi Harta Aman Pratama Tbk PT is growing +5.6% versus a year earlier (3y avg +48.7%). 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 Harta Aman Pratama Tbk PT (AHAP)?
Earnings per share at Asuransi Harta Aman Pratama Tbk PT are growing +150% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Asuransi Harta Aman Pratama Tbk PT (AHAP) generate?
The free cash flow of Asuransi Harta Aman Pratama Tbk PT is −24.4B 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 debt does Asuransi Harta Aman Pratama Tbk PT (AHAP) carry?
The net debt of Asuransi Harta Aman Pratama Tbk PT is 18.2B IDR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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