Pacific Strategic Financial (APIC) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Pacific Strategic Financial IDR 800, price IDR 408, upside +96.1%, quality 46 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 23, 2026.
How to read this chart
60‑month range 400.00 IDR – 1,950 IDR · fair‑value band 597.02 IDR – 800.00 IDR · the 408.00 IDR price screens below the 800.00 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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PT Pacific Strategic Financial Tbk, together with its subsidiaries, operates as an investment company in Indonesia. The company offers securities underwriting and brokerage; investment management and advisory; and financial management and other financing.
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PT Pacific Strategic Financial Tbk, together with its subsidiaries, operates as an investment company in Indonesia. The company offers securities underwriting and brokerage; investment management and advisory; and financial management and other financing. It also provides life and Sharia life insurance products; and management and business consulting services. The company was formerly known as PT Pan Pacific International Tbk and changed its name to PT Pacific Strategic Financial Tbk in June 2011. PT Pacific Strategic Financial Tbk was founded in 1989 and is headquartered in Jakarta Selatan, Indonesia.
Stock analysis
Pacific Strategic Financial (APIC) currently trades at 408.00 IDR, while our model-based Fair Value estimate is 800.00 IDR, implying the stock looks roughly 49.0% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 191.30 IDR per share, and 0 of the 4 models we run sit above the 408.00 IDR price.
Bear case: the Multiples group reads lowest at 108.11 IDR, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 597.02 IDR (bear) to 800.00 IDR (bull), the price of 408.00 IDR sits below 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 46/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Pacific Strategic Financial reported revenue of 315B IDR in FY2025 versus 2.1T IDR in FY2021, a compound −37.9%/yr. Reported net income was 97.8B IDR in FY2025, compounding −0.2%/yr from FY2021.
Key figures
Market cap 7.5T IDR (≈ $747M) · P/E ratio 71.9 · P/S ratio 22.3 · EPS (TTM) 8.83 IDR · Net margin 31.0% · Return on equity 3.7% · Return on assets (EBIT) 2.7% · Operating margin 8.2%.
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 79% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 96%, APIC screens cheaper than that median.
Fair Value models
Bear 597.02 IDRFair Value 800.00 IDRBull 800.00 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 (6.45 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.50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+1.8%
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.
+14.2%
Revenue growth 22 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.
+29.8%
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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.
−0.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.4%
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.0% vs 8%, slowing
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.9% → 61%
Compare Pacific Strategic Financial 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 - Life · 95 stocks
Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score47 · Bottom 25%
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)4% · Bottom 25%
Return on assets1% · Above median
Net margin (TTM)6% · Below median
Operating margin (TTM)8% · Below median
Growth and dividend
Revenue growth−2% · Below median
Balance sheet
Debt / equity0.56× · Above median
Valuation Multiplesvs Insurance - Life median · lower = cheaper
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Is Pacific Strategic Financial (APIC) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 800.00 IDR versus a price of 408.00 IDR, about +96% upside (undervalued).
What is the fair value of APIC?
Our model-based fair value for Pacific Strategic Financial is 800.00 IDR (as of Sep 23, 2026), built from audited fundamentals. The current price: 408.00 IDR.
What is the quality score of APIC?
Pacific Strategic Financial has a Quality Score of 46/100. 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 Pacific Strategic Financial (APIC)?
Our model-based price target is the fair value of 800.00 IDR (as of Sep 23, 2026) from 4 valuation models. Cautious scenario 597.02 IDR, optimistic scenario 800.00 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Pacific Strategic Financial stock forecast for 2026?
Our models put fair value at 800.00 IDR, about +96% upside versus a price of 408.00 IDR (undervalued). Cautious scenario 597.02 IDR, optimistic scenario 800.00 IDR. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Pacific Strategic Financial (APIC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pacific Strategic Financial it is 800.00 IDR per share (as of Sep 23, 2026), against a price of 408.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Pacific Strategic Financial stock overvalued or undervalued in 2026?
As of Sep 23, 2026, APIC trades below its calculated fair value: price 408.00 IDR, fair value 800.00 IDR, a gap of about +96% (undervalued). 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 APIC?
No. The price is what the market pays today (408.00 IDR); the fair value is what the company's own numbers justify (800.00 IDR). For Pacific Strategic Financial the two are 392.00 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Pacific Strategic Financial worth?
The market values Pacific Strategic Financial at about 7.5T IDR (market capitalisation, as of Sep 23, 2026). Per share that is 408.00 IDR; our models calculate a fair value of 800.00 IDR per share.
What do the bullish and bearish scenarios say about APIC?
Our models span a range for Pacific Strategic Financial: cautious scenario 597.02 IDR, base 800.00 IDR, optimistic 800.00 IDR per share (as of Sep 23, 2026, price 408.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of APIC?
Pacific Strategic Financial trades at a price-to-earnings ratio of 71.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 800.00 IDR is built from several models across several years. Other multiples: P/B 2.4, P/S 4.2, EV/EBITDA 27.1.
How solid is the balance sheet of Pacific Strategic Financial (APIC)?
Balance-sheet figures for Pacific Strategic Financial (as of Sep 23, 2026): return on equity 3.7%, debt of 0.56 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is APIC from its 52-week high?
Pacific Strategic Financial trades at 408.00 IDR, about 79% below its 52-week high of 1,950 IDR and 2% above the low of 400.00 IDR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 800.00 IDR is for.
Which stocks are comparable to Pacific Strategic Financial?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial 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 Pacific Strategic Financial stock attractive at the current price?
The data as of Sep 23, 2026: price 408.00 IDR, calculated fair value 800.00 IDR (+96%), Quality Score 46/100, 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 APIC calculated?
We run Pacific Strategic Financial 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 800.00 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. Pacific Strategic Financial currently trades 96 % below its own fair value, and the market average says nothing about that. 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 Pacific Strategic Financial (APIC)?
The closing price on Sep 23, 2026 was 408.00 IDR. Our model-based fair value is 800.00 IDR, about +96% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pacific Strategic Financial right now?
The price is below even our cautious bear case (597.02 IDR). The market is more pessimistic than our downside scenario. 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 quality (46/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Pacific Strategic Financial (APIC) come from?
Earnings per share at Pacific Strategic Financial grew +8.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +33.6 %, EBIT margin −16.2 %, tax rate +0.0 %, residual (interest, one-offs) −3.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Pacific Strategic Financial
How large is the market capitalisation of Pacific Strategic Financial (APIC)?
The market capitalisation of Pacific Strategic Financial is 7.5T IDR (≈ $747M). 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 Pacific Strategic Financial (APIC)?
The price-to-sales ratio of Pacific Strategic Financial is 22.3 (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 Pacific Strategic Financial (APIC)?
Earnings per share at Pacific Strategic Financial are 8.83 IDR (price ÷ EPS = P/E 71.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Pacific Strategic Financial (APIC)?
The net margin of Pacific Strategic Financial is 31.0% (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 Pacific Strategic Financial (APIC)?
The return on equity (ROE) of Pacific Strategic Financial is 3.7% (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 Pacific Strategic Financial (APIC)?
On an EBIT basis the return on assets of Pacific Strategic Financial is 2.7% (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 Pacific Strategic Financial (APIC)?
The operating margin of Pacific Strategic Financial is 8.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pacific Strategic Financial (APIC)?
Revenue at Pacific Strategic Financial is growing −2.0% versus a year earlier (3y avg −48.2%). 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 Pacific Strategic Financial (APIC)?
Earnings per share at Pacific Strategic Financial are growing +4.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Pacific Strategic Financial (APIC) generate?
The free cash flow of Pacific Strategic Financial is −358B 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 Pacific Strategic Financial (APIC) carry?
The net debt of Pacific Strategic Financial is 1.6T 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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