Asuransi Dayin Mitra Tbk (ASDM) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Asuransi Dayin Mitra Tbk IDR 686, price IDR 510, upside +34.6%, quality 68 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 274.53 IDR – 665.88 IDR · the 510.00 IDR price screens below the 686.41 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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PT Asuransi Dayin Mitra Tbk engages in the general insurance business in Indonesia.
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PT Asuransi Dayin Mitra Tbk engages in the general insurance business in Indonesia. The company offers personal accident insurance for coverage against death, permanent loss or disablement, and medical expenses following accidental injury; fire insurance, which covers accidental loss and/or damage caused by fire, lightning, explosion, impact of falling aircraft, and smoke, as well as against riot, flood, earthquake, and business interruption; and Dayin Usaha and Dayin Rumah, which covers financial protection to the business continuity and dwelling house arising from accidental loss and/or damage caused by fire, lightning, explosion and impact of falling aircraft, smoke, riot, flood, earthquake, and personal accident coverage. It also provides travel insurance, which covers losses or expenses arising from unforeseen and involuntary event during journey; and marine cargo insurance for coverage of accidental loss and/or damage upon shipment. In addition, the company offers motor vehicle insurance for accidental loss and/or damage to the vehicle; marine hull insurance for accidental loss and/or damage to the hull; aviation insurance for accidental loss and/or damage to the hull, personal accident of crew, loss of license, and liability to third party; and liability insurance, such as public liability, employer's liability, workman compensation act, automobile liability, product liability, directors & officers' liability, freight forwarder liability, professional indemnity, and comprehensive general insurance. Further, it provides engineering insurance, heavy equipment insurance, moveable equipment insurance, bankers blanket bond, money insurance, cyber risk insurance, jewelry block insurance, and micro insurance. The company was incorporated in 1982 and is headquartered in Jakarta, Indonesia. PT Asuransi Dayin Mitra Tbk operates as a subsidiary of PT Equity Development Investment Tbk.
Stock analysis
Asuransi Dayin Mitra Tbk (ASDM) currently trades at 510.00 IDR, while our model-based Fair Value estimate is 686.41 IDR, implying the stock looks roughly 25.7% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 715.68 IDR per share, and 4 of the 4 models we run sit above the 510.00 IDR price.
Bear case: the Multiples group reads lowest at 611.09 IDR, and 0 of the 4 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 68/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Asuransi Dayin Mitra Tbk reported revenue of 1.4T IDR in FY2025 versus 201B IDR in FY2021, a compound +63.7%/yr. Reported net income was 18.1B IDR in FY2025, compounding −2.8%/yr from FY2021.
Key figures
Market cap 196B IDR (≈ $19.6M) · P/E ratio 10.4 · P/S ratio 0.13 · EPS (TTM) 48.99 IDR · Dividend yield 6.3% · Net margin 1.3% · Return on equity 5.4% · Return on assets (EBIT) 2.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 23% below its 52-week high and 11% 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 35%, ASDM screens cheaper than that median.
Fair Value models
Bear 686.41 IDRFair Value 686.41 IDRBull 686.41 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 (12.47 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.85/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+429.8%
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.
+88.4%
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.
+47.5%
Start year 2020 (pandemic). Over 10 years: +21.6% 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.
+51.8%
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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.
−1.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.6%
Dividend (yield on the price)6.3%
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.−8% vs −14%, picking up
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.14% → 1%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 3.1%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−3.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Indonesia: IMF forecast 2.6% a year to 2030, 2.9% from 2016 to 2025) that is about −5.8% a year for the price.
Compare Asuransi Dayin Mitra Tbk 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 - Diversified · 83 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score67 · Top 25%
Fair Value upside+35% · Top 25%
Profitability
Return on equity (TTM)5% · Bottom 25%
Return on assets1% · Below median
Net margin (TTM)6% · Below median
Operating margin (TTM)6% · Below median
Growth and dividend
Revenue growth20% · Top 25%
Dividend yield (TTM)6.3% · Top 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
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Is Asuransi Dayin Mitra Tbk (ASDM) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 686.41 IDR versus a price of 510.00 IDR, about +35% upside (undervalued).
What is the fair value of ASDM?
Our model-based fair value for Asuransi Dayin Mitra Tbk is 686.41 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 510.00 IDR.
What is the quality score of ASDM?
Asuransi Dayin Mitra Tbk has a Quality Score of 68/100. 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 Dayin Mitra Tbk (ASDM)?
Our model-based price target is the fair value of 686.41 IDR (as of Sep 24, 2026) from 4 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Asuransi Dayin Mitra Tbk stock forecast for 2026?
Our models put fair value at 686.41 IDR, about +35% upside versus a price of 510.00 IDR (undervalued). The calculation is refreshed regularly with new filings.
Does Asuransi Dayin Mitra Tbk pay a dividend?
Asuransi Dayin Mitra Tbk currently shows a dividend yield of about 6.27% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Asuransi Dayin Mitra Tbk (ASDM)?
For today's price to be fair in a discounted-cash-flow model, Asuransi Dayin Mitra Tbk would have to grow free cash flow by -3.3 % per year for five years (discount rate 10.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +47.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of ASDM use?
Our models discount Asuransi Dayin Mitra Tbk at 10.5 %: a base by market capitalisation (nano), damped by beta 0.06, country premium for Indonesia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Asuransi Dayin Mitra Tbk that is -3.3 % per year a year over ten years, using the same discount rate (10.5 %) and the same formula as our fair value.
How much growth has Asuransi Dayin Mitra Tbk (ASDM) delivered so far?
Over the past 5 years revenue at Asuransi Dayin Mitra Tbk grew +47.5 % a year. The price currently implies -3.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Asuransi Dayin Mitra Tbk (ASDM) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Asuransi Dayin Mitra Tbk (-3.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Asuransi Dayin Mitra Tbk (ASDM)?
The free-cash-flow yield on the price is 10.47 %: that much free cash flow Asuransi Dayin Mitra Tbk produces per unit of market value. When it exceeds the discount rate of our models (10.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Asuransi Dayin Mitra Tbk (ASDM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Asuransi Dayin Mitra Tbk it is 686.41 IDR per share (as of Sep 24, 2026), against a price of 510.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Asuransi Dayin Mitra Tbk stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ASDM trades below its calculated fair value: price 510.00 IDR, fair value 686.41 IDR, a gap of about +35% (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 ASDM?
No. The price is what the market pays today (510.00 IDR); the fair value is what the company's own numbers justify (686.41 IDR). For Asuransi Dayin Mitra Tbk the two are 176.41 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Asuransi Dayin Mitra Tbk worth?
The market values Asuransi Dayin Mitra Tbk at about 196B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 510.00 IDR; our models calculate a fair value of 686.41 IDR per share.
What is the P/E ratio of ASDM?
Asuransi Dayin Mitra Tbk trades at a price-to-earnings ratio of 10.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 686.41 IDR is built from several models across several years. Other multiples: P/B 0.5, P/S 0.6, EV/EBITDA 7.0.
How solid is the balance sheet of Asuransi Dayin Mitra Tbk (ASDM)?
Balance-sheet figures for Asuransi Dayin Mitra Tbk (as of Sep 24, 2026): return on equity 5.4%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is ASDM from its 52-week high?
Asuransi Dayin Mitra Tbk trades at 510.00 IDR, about 23% below its 52-week high of 665.88 IDR and 11% above the low of 461.43 IDR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 686.41 IDR is for.
Which stocks are comparable to Asuransi Dayin Mitra Tbk?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, 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 Dayin Mitra Tbk stock attractive at the current price?
The data as of Sep 24, 2026: price 510.00 IDR, calculated fair value 686.41 IDR (+35%), Quality Score 68/100, 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 ASDM calculated?
We run Asuransi Dayin Mitra Tbk 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 686.41 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 Dayin Mitra Tbk currently trades 35 % 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 Asuransi Dayin Mitra Tbk (ASDM)?
The closing price on Sep 23, 2026 was 510.00 IDR. Our model-based fair value is 686.41 IDR, about +35% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Asuransi Dayin Mitra Tbk right now?
The price is below even our cautious bear case (686.41 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 (68/100) 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 Asuransi Dayin Mitra Tbk (ASDM) come from?
Earnings per share at Asuransi Dayin Mitra Tbk grew −13.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.9 %, EBIT margin −18.6 %, tax rate +0.9 %, residual (interest, one-offs) +0.0 %. 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 Asuransi Dayin Mitra Tbk
How large is the market capitalisation of Asuransi Dayin Mitra Tbk (ASDM)?
The market capitalisation of Asuransi Dayin Mitra Tbk is 196B IDR (≈ $19.6M). 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 Dayin Mitra Tbk (ASDM)?
The price-to-sales ratio of Asuransi Dayin Mitra Tbk is 0.13 (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 Asuransi Dayin Mitra Tbk (ASDM)?
Earnings per share at Asuransi Dayin Mitra Tbk are 48.99 IDR (price ÷ EPS = P/E 10.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Asuransi Dayin Mitra Tbk (ASDM)?
The dividend yield of Asuransi Dayin Mitra Tbk is 6.3% (payout 65.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Asuransi Dayin Mitra Tbk (ASDM)?
The net margin of Asuransi Dayin Mitra Tbk is 1.3% (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 Dayin Mitra Tbk (ASDM)?
The return on equity (ROE) of Asuransi Dayin Mitra Tbk is 5.4% (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 Dayin Mitra Tbk (ASDM)?
On an EBIT basis the return on assets of Asuransi Dayin Mitra Tbk is 2.8% (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 Dayin Mitra Tbk (ASDM)?
The operating margin of Asuransi Dayin Mitra Tbk is 6.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Asuransi Dayin Mitra Tbk (ASDM)?
Revenue at Asuransi Dayin Mitra Tbk is growing +20.3% versus a year earlier (3y avg +88.4%). 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 Dayin Mitra Tbk (ASDM)?
Earnings per share at Asuransi Dayin Mitra Tbk are growing +67.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Asuransi Dayin Mitra Tbk (ASDM) hold?
Asuransi Dayin Mitra Tbk holds more cash than debt, 4.6B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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