PT Asuransi Dayin Mitra Tbk (ASDM) Fair Value & Analysis
Financial Services · ID · Market cap 198B IDR
Fair value as of: Jul 16, 2026
From 4 valuation models · updated 25 days ago
Share price −1.0% over the past month.
A solid business, screening 20% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from 458.32 IDR (bear) to 763.86 IDR (bull), base 611.09 IDR. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 68/100 (solid quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range 274.53 IDR – 665.88 IDR · fair‑value band 458.32 IDR – 763.86 IDR · the 510.00 IDR price screens below the 611.09 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
PT Asuransi Dayin Mitra Tbk (ASDM) currently trades at 510.00 IDR, while our model-based Fair Value estimate is 611.09 IDR, implying the stock looks roughly 19.8% undervalued today. The Quality Score stands at 68/100 (solid 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 Dayin Mitra Tbk generated revenue of 269B IDR at a net margin of 9.7%. Revenue grew 20.5% year over year. It earns a return on equity of 6.4%. The balance sheet holds a net cash position of 4.6B IDR. Fundamentals as of Jul 16, 2026
Our scenario range runs from 458.32 IDR (bear case) to 763.86 IDR (bull case); at 510.00 IDR, the current price sits within 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 33% below its 52-week high and 16% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 20%, ASDM screens cheaper 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 (731.55 IDR) versus Multiples (611.09 IDR). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 65 · Market factors (momentum, volatility) 47
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 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 …
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT 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.
of which total revenue +14.4 pp · buybacks/dilution −8.5 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Insurance - Diversified · 84 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 - Diversified 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.
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 - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,844 MXN | +27% |
| Allianz SE ALV | €421.00 | €369.31 | -12% |
| Zurich Insurance Group ZURN | CHF 624.40 | CHF 619.80 | -1% |
| AXA SA AXAN | 888.28 MXN | 1,249 MXN | +41% |
| Assicurazioni Generali S.p.A G | €42.90 | €12.18 | -72% |
| Sun Life Financial Inc SLF | C$114.20 | C$87.83 | -23% |
| BB Seguridade Participações S.A BBSE3 | R$40.71 | R$60.39 | +48% |
| Tryg A/S TRYG | kr 154.00 | kr 116.45 | -24% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,625 IDR | 4,176 IDR | -80% |
| Caixa Seguridade Participações S.A CXSE3 | R$21.77 | R$18.60 | -15% |
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Frequently asked questions
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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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