Asuransi Jasa Tania Tbk (ASJT) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Asuransi Jasa Tania Tbk stock IDR 191, price IDR 149, upside +28.4%, quality 69 out of 100. Rating: 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 4, 2026.
How to read this chart
60‑month range 94.52 IDR – 252.73 IDR · fair‑value band 143.46 IDR – 239.09 IDR · the 149.00 IDR price screens below the 191.28 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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PT Asuransi Jasa Tania Tbk provides general insurance products and services in Indonesia.
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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.
Stock analysis
Asuransi Jasa Tania Tbk (ASJT) currently trades at 149.00 IDR, while our model-based Fair Value estimate is 191.28 IDR, implying the stock looks roughly 22% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 191.28 IDR per share, and 2 of the 4 models we run sit above the 149.00 IDR price.
Bear case: the Economic Profit group reads lowest at 144.38 IDR, and 2 of the 4 models stay below the price. Data coverage for this calculation is low.
Scenario range: 143.46 IDR (bear) to 239.09 IDR (bull), the price of 149.00 IDR sits inside 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 69/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Asuransi 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. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 209B IDR (≈ $11.6M) Micro · P/S ratio 0.92 · EPS (TTM) −0.0100 IDR · Net margin 2.8% · Return on equity −1.6% · Return on assets (EBIT) 0.6% (5-year average) · Operating margin −19.3% · Revenue (TTM) 232B IDR.
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 41% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at 28%, ASJT screens cheaper than that median.
Fair Value models
Bear143.46 IDRFair Value 191.28 IDRBull239.09 IDR
Price 149.00 IDR · Upside +28.4%
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.82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+72.8%
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.
+33.2%
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.
+15.7%
Start year 2020 (pandemic). Over 10 years: +0.7% a year
Revenue growth 23 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.
+6.7%
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What shareholders gained per year (last 5 years), in IDR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
≈ +91.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +91.8%
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.base effect: 37.5% / −16.6%
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.−6% → 4%
2025 sits 67% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Revenue per share shrinking 12.1%/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.
⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 0.97 per share, median 29.6 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.
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).
−19.9%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −22.0% a year for the price.
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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 - Property & Casualty · 100 stocks
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Is Asuransi Jasa Tania Tbk (ASJT) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 191.28 IDR versus a price of 149.00 IDR, about +28% upside (undervalued).
What is the fair value of ASJT?
Our model-based fair value for Asuransi Jasa Tania Tbk is 191.28 IDR (as of Nov 4, 2026), built from audited fundamentals. The current price: 149.00 IDR.
What is the quality score of ASJT?
Asuransi Jasa Tania Tbk has a Quality Score of 69/100. 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 Jasa Tania Tbk (ASJT)?
Our model-based price target is the fair value of 191.28 IDR (as of Nov 4, 2026) from 4 valuation models. Cautious scenario 143.46 IDR, optimistic scenario 239.09 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Asuransi Jasa Tania Tbk stock forecast for 2026?
Our models put fair value at 191.28 IDR, about +28% upside versus a price of 149.00 IDR (undervalued). Cautious scenario 143.46 IDR, optimistic scenario 239.09 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Asuransi Jasa Tania Tbk (ASJT)?
Asuransi Jasa Tania Tbk reported trailing-twelve-month revenue of about 232B IDR (latest available figure, as of Nov 4, 2026).
What growth is priced into Asuransi Jasa Tania Tbk (ASJT)?
For today's price to be fair in a discounted-cash-flow model, Asuransi Jasa Tania Tbk would have to grow free cash flow by -19.9 % 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 +15.7 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of ASJT use?
Our models discount Asuransi Jasa Tania 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 Jasa Tania Tbk that is -19.9 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.5 %) and the same formula as our fair value.
How much growth has Asuransi Jasa Tania Tbk (ASJT) delivered so far?
Over the past 5 years revenue at Asuransi Jasa Tania Tbk grew +15.7 % a year. The price currently implies free-cash-flow growth of -19.9 % per 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 Jasa Tania Tbk (ASJT) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Asuransi Jasa Tania Tbk (-19.9 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Asuransi Jasa Tania Tbk (ASJT)?
The free-cash-flow yield on the price is 25.71 %: that much free cash flow Asuransi Jasa Tania 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 Jasa Tania Tbk (ASJT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Asuransi Jasa Tania Tbk it is 191.28 IDR per share (as of Nov 4, 2026), against a price of 149.00 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Asuransi Jasa Tania Tbk stock overvalued or undervalued in 2026?
As of Nov 4, 2026, ASJT trades below its calculated fair value: price 149.00 IDR, fair value 191.28 IDR, a gap of about +28% (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 ASJT?
No. The price is what the market pays today (149.00 IDR); the fair value is what the company's own numbers justify (191.28 IDR). For Asuransi Jasa Tania Tbk the two are 42.28 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Asuransi Jasa Tania Tbk worth?
The market values Asuransi Jasa Tania Tbk at about 209B IDR (market capitalisation, as of Nov 4, 2026). Per share that is 149.00 IDR; our models calculate a fair value of 191.28 IDR per share.
What do the bullish and bearish scenarios say about ASJT?
Our models span a range for Asuransi Jasa Tania Tbk: cautious scenario 143.46 IDR, base 191.28 IDR, optimistic 239.09 IDR per share (as of Nov 4, 2026, price 149.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Asuransi Jasa Tania Tbk (ASJT)?
Balance-sheet figures for Asuransi Jasa Tania Tbk (as of Nov 4, 2026): return on equity −1.6%, debt of 0.00 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is ASJT from its 52-week high?
Asuransi Jasa Tania Tbk trades at 149.00 IDR, about 41% below its 52-week high of 252.73 IDR and 18% above the low of 126.36 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 191.28 IDR is for.
Which stocks are comparable to Asuransi Jasa Tania Tbk?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate 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 Asuransi Jasa Tania Tbk stock attractive at the current price?
The data as of Nov 4, 2026: price 149.00 IDR, calculated fair value 191.28 IDR (+28%), Quality Score 69/100, 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 ASJT calculated?
We run Asuransi Jasa Tania Tbk through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 191.28 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 13.3% above its aggregate fair value. Asuransi Jasa Tania Tbk currently trades 22% 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 Jasa Tania Tbk (ASJT)?
The closing price on Nov 6, 2026 was 149.00 IDR. Our model-based fair value is 191.28 IDR, about +28% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Asuransi Jasa Tania Tbk right now?
Solid quality (69/100) at a price below fair value, the discount is the argument here, not the business quality. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Jasa Tania Tbk (ASJT) come from?
Earnings per share at Asuransi Jasa Tania Tbk grew −19.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share −9.6 %, EBIT margin −9.5 %, tax rate +0.2 %, residual (interest, one-offs) −2.3 %. 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 Jasa Tania Tbk
How large is the market capitalisation of Asuransi Jasa Tania Tbk (ASJT)?
The market capitalisation of Asuransi Jasa Tania Tbk is 209B IDR (≈ $11.6M). 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 Jasa Tania Tbk (ASJT)?
The price-to-sales ratio of Asuransi Jasa Tania Tbk is 0.92 (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 Asuransi Jasa Tania Tbk (ASJT)?
Earnings per share at Asuransi Jasa Tania Tbk are −0.0100 IDR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Asuransi Jasa Tania Tbk (ASJT)?
The net margin of Asuransi Jasa Tania Tbk is 2.8% (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 Jasa Tania Tbk (ASJT)?
The return on equity (ROE) of Asuransi Jasa Tania Tbk is −1.6% (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 Jasa Tania Tbk (ASJT)?
On an EBIT basis the return on assets of Asuransi Jasa Tania Tbk is 0.6% (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 Jasa Tania Tbk (ASJT)?
The operating margin of Asuransi Jasa Tania Tbk is −19.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Asuransi Jasa Tania Tbk (ASJT)?
Revenue at Asuransi Jasa Tania Tbk is growing +16.1% versus a year earlier (3y avg +33.2%). 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 Jasa Tania Tbk (ASJT)?
Earnings per share at Asuransi Jasa Tania Tbk are growing −26.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Asuransi Jasa Tania Tbk (ASJT) hold?
Asuransi Jasa Tania Tbk holds more cash than debt, 11.3B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 4, 2026