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PT Asuransi Multi Artha Guna Tbk (AMAG) Fair Value & Analysis

Financial Services · ID · Market cap 1.8T IDR

PA PT Asuransi Multi Artha Guna Tbk AMAG · JK
Price398.00 IDR
Fair Value411.33 IDR
Upside+3.3%
Quality95/100
Evidence: High Range 308.50 IDR – 514.16 IDR

Fair value as of: Jun 26, 2026

From 24 valuation models · updated 3 days ago

Share price −2.5% over the past month.

Price vs Fair Value (12 months)

442.03 IDR 331.04 IDR Fair Value 411.33 IDR Jun 2025 Jun 2026

12‑month range 331.04 IDR – 442.03 IDR · fair‑value band 308.50 IDR – 514.16 IDR · the 398.00 IDR price screens below the 411.33 IDR fair value. As of Jun 26, 2026.

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Analysis

PT Asuransi Multi Artha Guna Tbk (AMAG) currently trades at 398.00 IDR, while our model-based Fair Value estimate is 411.33 IDR — implying the stock looks roughly 3.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

Over the trailing twelve months, PT Asuransi Multi Artha Guna Tbk generated revenue of 3.0T IDR at a net margin of 6.5%. Revenue grew 9.9% year over year. It earns a return on equity of 9.5%. The balance sheet holds a net cash position of 485B IDR. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 3.0T IDR
Revenue growth (YoY) +9.9%
Net margin 6.5%
Return on equity 9.5%
Free cash flow 118B IDR FY2025
P/E ratio 9.1
More key figures
Operating margin 9.1%
EPS (TTM) 39.16 IDR
EPS growth (YoY) +110%
Net cash 485B IDR FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

PT Asuransi Multi Artha Guna Tbk provides general insurance in Indonesia. It operates through Motor Vehicles, Health, Fire, and Other segments. The company offers MAGNA car protection that covers loss or damage to the car, which includes the value of the vehicle or its equipment; MAGNA Sehat, which provides healthcare coverage and hospitalization; MAGNA Properti that covers loss or damage to the insured property directly caused by fire, lightning, explosion, airplane crash and smoke; MAGNA Wisata Overseas, an international travel insurance; and MAGNA Wisata Domestik, a domestic travel insurance that covers personal accident during the trip, medical expenses, lost or delayed baggage, protection of personal money, travel documents, and legal liability to third parties. It also provides cyber risk, personal accident, health, money, property/industrial all risk, earthquake, engineering, heavy equipment, marine cargo, and burglary insurances; and other special products comprising insuran…

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

PT Asuransi Multi Artha Guna Tbk reported revenue of 3.0T IDR in FY2025 versus 922B IDR in FY2021, a compound +33.8%/yr. Reported net income was 156B IDR in FY2025, compounding +1.2%/yr from FY2021.

Revenue +33.8%/yr
FY21 922B IDR
FY22 1.0T IDR
FY23 1.1T IDR
FY24 1.2T IDR
FY25 3.0T IDR
Net income +1.2%/yr
FY21 149B IDR
FY22 170B IDR
FY23 148B IDR
FY24 229B IDR
FY25 156B IDR

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6 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

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The Progressive Corporation PGR $207.38 $335.04 +62%
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The Allstate Corporation ALL $222.56 $445.12 +100%
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Frequently asked questions

Is PT Asuransi Multi Artha Guna Tbk (AMAG) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 411.33 IDR versus a price of 398.00 IDR — about +3% (undervalued). Model-based estimate, not financial advice.
What is the fair value of AMAG?
Our 21-model fair value for PT Asuransi Multi Artha Guna Tbk is 411.33 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 398.00 IDR.
What is the quality score of AMAG?
PT Asuransi Multi Artha Guna Tbk has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of PT Asuransi Multi Artha Guna Tbk (AMAG)?
PT Asuransi Multi Artha Guna Tbk reported trailing-twelve-month revenue of about 3.0T IDR (latest available figure, as of Jun 26, 2026).
What is the net profit margin of AMAG?
The net profit margin of PT Asuransi Multi Artha Guna Tbk is about 6.5%, meaning it keeps roughly 6.5% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.