Pacific Strategic Financial (APIC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Pacific Strategic Financial stock IDR 820, price IDR 410, upside +100.0%, quality 45 out of 100. Rating: strongly undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 318.00 IDR – 1,950 IDR · fair‑value band 697.92 IDR – 1,224 IDR · the 410.00 IDR price screens below the 820.00 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 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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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 410.00 IDR, while our model-based Fair Value estimate is 820.00 IDR, implying the stock looks roughly 50% undervalued today.
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Valuation
How firm this estimate is: it rests on 4 models at a data quality of 94/100, which puts the data coverage at low.
Scenario range: 697.92 IDR (bear) to 1,224 IDR (bull), the price of 410.00 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 45/100 (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 4.8T IDR (≈ $266M) Micro · P/S ratio 2.55 · EPS (TTM) −5.40 IDR · Net margin 31.0% · Return on equity 0.5% · Return on assets (EBIT) 2.7% (5-year average) · Operating margin −77.3% · Revenue growth (YoY) +10.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 21 out of 100 (low confidence).
What moves the price
The share trades about 79% below its 52-week high and 29% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 100%, APIC screens cheaper than that median.
Fair Value models
Bear697.92 IDRFair Value 820.00 IDRBull1,224 IDR
Price 410.00 IDR · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.−0.4% vs 7.7%, 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 · 77 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score45 · Bottom 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)0.5% · Bottom 25%
Return on assets1.2% · Above median
Net margin (12 months)0.5% · Bottom 25%
Operating margin (12 months)−77.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)10.4% · Above median
Balance sheet
Debt / equity0.56× · Highest 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
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.
Is Pacific Strategic Financial (APIC) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 820.00 IDR versus a price of 410.00 IDR, about +100% upside (undervalued).
What is the fair value of APIC?
Our model-based fair value for Pacific Strategic Financial is 820.00 IDR (as of Nov 7, 2026), built from audited fundamentals. The current price: 410.00 IDR.
What is the quality score of APIC?
Pacific Strategic Financial has a Quality Score of 45/100. 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 820.00 IDR (as of Nov 7, 2026) from 4 valuation models. Cautious scenario 697.92 IDR, optimistic scenario 1,224 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 820.00 IDR, about +100% upside versus a price of 410.00 IDR (undervalued). Cautious scenario 697.92 IDR, optimistic scenario 1,224 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 820.00 IDR per share (as of Nov 7, 2026), against a price of 410.00 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Pacific Strategic Financial stock overvalued or undervalued in 2026?
As of Nov 7, 2026, APIC trades below its calculated fair value: price 410.00 IDR, fair value 820.00 IDR, a gap of about +100% (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 (410.00 IDR); the fair value is what the company's own numbers justify (820.00 IDR). For Pacific Strategic Financial the two are 410.00 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 4.8T IDR (market capitalisation, as of Nov 7, 2026). Per share that is 410.00 IDR; our models calculate a fair value of 820.00 IDR per share.
What do the bullish and bearish scenarios say about APIC?
Our models span a range for Pacific Strategic Financial: cautious scenario 697.92 IDR, base 820.00 IDR, optimistic 1,224 IDR per share (as of Nov 7, 2026, price 410.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Pacific Strategic Financial (APIC)?
Balance-sheet figures for Pacific Strategic Financial (as of Nov 7, 2026): return on equity 0.5%, debt of 0.56 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is APIC from its 52-week high?
Pacific Strategic Financial trades at 410.00 IDR, about 79% below its 52-week high of 1,950 IDR and 29% above the low of 318.00 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 820.00 IDR is for.
Which stocks are comparable to Pacific Strategic Financial?
From the same area (Financial Services) we also value Ping An Insurance (Group) Company, China Life Insurance 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 Nov 7, 2026: price 410.00 IDR, calculated fair value 820.00 IDR (+100%), Quality Score 45/100, 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 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 820.00 IDR builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. Pacific Strategic Financial currently trades 50% 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 Nov 6, 2026 was 410.00 IDR. Our model-based fair value is 820.00 IDR, about +100% 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 large discount to fair value meets weak quality (45/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (697.92 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. 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 4.8T IDR (≈ $266M). 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 2.55 (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 Pacific Strategic Financial (APIC)?
Earnings per share at Pacific Strategic Financial are −5.40 IDR. 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 0.5% (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 −77.3% (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 +10.4% versus a year earlier (3y avg +1.8%). 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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Thin data
Nov 7, 2026