PT Asuransi Jasa Tania Tbk (ASJT) Fair Value & Analysis
Financial Services · ID · Market cap 231B IDR
Fair value as of: Jul 19, 2026
From 4 valuation models · updated 22 days ago
Share price −5.6% over the past month.
A solid business, but screening 59% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (77.79 IDR). The favourable scenario is already priced in.
- Solid but not exceptional quality (62/100) 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 19, 2026.
How to read this chart
60‑month range 94.52 IDR – 252.73 IDR · fair‑value band 46.67 IDR – 77.79 IDR · the 153.00 IDR price screens above the 62.23 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.
Analysis
PT Asuransi Jasa Tania Tbk (ASJT) currently trades at 153.00 IDR, while our model-based Fair Value estimate is 62.23 IDR, implying the stock looks roughly 59.3% overvalued today. The Quality Score stands at 62/100 (solid 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: high).
Over the trailing twelve months, PT Asuransi Jasa Tania Tbk generated revenue of 234B IDR at a net margin of 0.1%. Revenue grew 0.7% year over year. The balance sheet holds a net cash position of 11.3B IDR. Fundamentals as of Jul 19, 2026
Our scenario range runs from 46.67 IDR (bear case) to 77.79 IDR (bull case); at 153.00 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 46% below its 52-week high and 60% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 8% fair-value upside, at -59%, ASJT 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 (157.31 IDR) versus Multiples (62.23 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 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 66 · 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 Jasa Tania Tbk provides general insurance products and services in Indonesia. The company offers standard products, such as fire insurance comprising property all risk/industrial all risk and earthquake insurance; motor vehicle insurance; engineering insurance, including contractor, erection, and machinery breakdown insurance; marine cargo and …
Full company description
PT Asuransi Jasa Tania Tbk provides general insurance products and services in Indonesia. The company offers standard products, such as fire insurance comprising property all risk/industrial all risk and earthquake insurance; motor vehicle insurance; engineering insurance, including contractor, erection, and machinery breakdown insurance; marine cargo and hull insurance; surety bond comprising bid bond, performance bond, advance payment bond, and maintenance bond; personal accident insurance; and miscellaneous insurance, including cash in transit/cash in safe, burglary/theft, heavy equipment, and hole in one insurance. It also provides development products, including JT Oto, JT Griya, livestock insurance, plantation insurance, health insurance (JT Care Micro), hospital liability insurance, travel insurance, Jastan Trip, JT doctor, worker, and student insurance, as well as Askes JT Care Cash Plan, and hospital health service liability products. In addition, the company offers goods transportation, health, money storage and transfer, construction project, freight, and liability insurance. The company was founded in 1979 and is headquartered in Jakarta Selatan, Indonesia. PT Asuransi Jasa Tania Tbk operates as a subsidiary of Dana Pensiun Perkebunan.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Asuransi Jasa Tania Tbk reported revenue of 235B IDR in FY2025 versus 119B IDR in FY2021, a compound +18.5%/yr. Reported net income was 6.7B IDR in FY2025, compounding +109.8%/yr from FY2021.
of which total revenue −2.8 pp · buybacks/dilution −6.9 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).
ASJT screens 59% overvalued. Compare with The Progressive Corporation →
Peer Group
Insurance - Property & Casualty · 120 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 - Property & Casualty 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 - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $234.48 | $252.50 | +8% |
| Chubb Limited CB | $337.44 | $345.56 | +2% |
| The Travelers Companies, Inc TRV | $368.98 | $384.42 | +4% |
| The Allstate Corporation ALL | $251.61 | $503.22 | +100% |
| The People's Insurance Company 601319 | ¥7.06 | ¥13.71 | +94% |
| Intact Financial Corporation IFC | C$294.02 | C$247.44 | -16% |
| Fairfax Financial Holdings FFH | C$2,327 | C$3,252 | +40% |
| QBE Insurance Group QBE | A$25.47 | A$19.42 | -24% |
| Samsung Fire & Marine Insurance Co 000810 | 648,000 KRW | 658,771 KRW | +2% |
| Powszechny Zaklad Ubezpieczen SA PZU | 69.80 PLN | 100.85 PLN | +44% |
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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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