PT Pacific Strategic Financial Tbk, (APIC) Fair Value & Analysis
Financial Services · ID · Market cap 7.5T IDR
Fair value as of: Jul 15, 2026
From 4 valuation models · updated 26 days ago
Fair value updated Jul 15, 2026, revised from 128.90 IDR to 108.11 IDR (−16.1%) since Jun 26, 2026. Share price −9.9% over the past month.
Below-average quality, and screening another 82% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (135.14 IDR). The favourable scenario is already priced in.
- Solid but not exceptional quality (46/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.
How to read this chart
60‑month range 515.00 IDR – 1,950 IDR · fair‑value band 81.08 IDR – 135.14 IDR · the 590.00 IDR price screens above the 108.11 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 15, 2026.
Analysis
PT Pacific Strategic Financial Tbk, (APIC) currently trades at 590.00 IDR, while our model-based Fair Value estimate is 108.11 IDR, implying the stock looks roughly 81.7% overvalued today. The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, PT Pacific Strategic Financial Tbk, generated revenue of 1.8T IDR at a net margin of 5.8%. Revenue declined 2.0% year over year. It earns a return on equity of 3.7%. Net debt stands at 1.6T IDR. Fundamentals as of Jul 15, 2026
Our scenario range runs from 81.08 IDR (bear case) to 135.14 IDR (bull case); at 590.00 IDR, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 76% below its 52-week high and 33% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 1% fair-value upside, at -82%, APIC screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit (191.30 IDR) versus Multiples (108.11 IDR). Highest evidence: P/E Multiple (63).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 16
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Pacific Strategic Financial Tbk, 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.
APIC screens 82% overvalued. Compare with China Life Insurance Company →
Peer Group
Insurance - Life · 95 stocks
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.
Valuation Multiples vs Insurance - Life median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥38.72 | ¥70.87 | +83% |
| Ping An Insurance (Group) Company 601318 | ¥49.60 | ¥96.76 | +95% |
| AIA Group 1299 | HK$75.55 | HK$7.88 | -90% |
| Manulife Financial Corporation MFC | C$58.52 | C$45.13 | -23% |
| Great-West Lifeco Inc GWO | C$92.34 | C$59.64 | -35% |
| Life Insurance Corporation LICI | ₹438.30 | ₹590.43 | +35% |
| Fubon Financial Holding 2881 | 124.50 TWD | 115.05 TWD | -8% |
| Cathay Financial Holding 2882 | 94.00 TWD | 94.95 TWD | +1% |
| Samsung Life Insurance Co 032830 | 337,500 KRW | 166,710 KRW | -51% |
| China Pacific Insurance (Group) Co 601601 | ¥29.75 | ¥59.50 | +100% |
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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.
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