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Asuransi Kresna Mitra Tbk PT (ASMI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Asuransi Kresna Mitra Tbk PT stock IDR 44, price IDR 21, upside +109.5%, quality 60 out of 100. Rating: strongly undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services ID · ISIN ID1000130602

AK Asuransi Kresna Mitra Tbk PT logo Thin data Nov 4, 2026

Asuransi Kresna Mitra Tbk PT

ASMI · JK
Meets all rules

The stock costs 52% less than our calculation considers fair.

Fair value 44.00 IDR · Strongly undervalued
Quality 60/100
Even on cautious assumptions the value is 69% above the price (35.39 IDR).
Loss over the last twelve months · -4.6% net margin (TTM) · fiscal year 2025 3.5%
Mixed vs. peers (4/9)
Negative free cash flow
Narrow moat 16/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

825.00 IDR 6.00 IDR Fair Value 44.00 IDR Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range 6.00 IDR – 825.00 IDR · fair‑value band 35.39 IDR – 64.13 IDR · the 21.00 IDR price screens below the 44.00 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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Company profile

PT Asuransi Maximus Graha Persada Tbk engages in the general insurance and reinsurance business in Indonesia. The company offers motor vehicle, fire, health, marine cargo, money, and engineering insurance products; and sharia insurance products.

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It also offers miscellaneous insurance products comprising burglary, earthquake, personal accident, movable property, workmen's compensation, comprehensive general, product and public liability, professional indemnity, employers' liability, and surety bonds.

The company operates its insurance business in Sumatera, Java, Bali, Sulawesi, and Kalimantan. PT Asuransi Maximus Graha Persada Tbk was founded in 1956 and is headquartered in Jakarta Selatan, Indonesia.

Stock analysis

Asuransi Kresna Mitra Tbk PT (ASMI) currently trades at 21.00 IDR, while our model-based Fair Value estimate is 44.00 IDR, implying the stock looks roughly 52% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 71.47 IDR per share, and 4 of the 4 models we run sit above the 21.00 IDR price.

Bear case: the Asset-Based group reads lowest at 28.74 IDR, and 0 of the 4 models stay below the price. Data coverage for this calculation is low.

Scenario range: 35.39 IDR (bear) to 64.13 IDR (bull), the price of 21.00 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 60/100 (solid quality), in the Financial Services sector.

Asuransi Kresna Mitra Tbk PT reported revenue of 1.6T IDR in FY2025 versus 322B IDR in FY2021, a compound +50.3%/yr. Reported net income was 57.1B IDR in FY2025, compounding +30.7%/yr from FY2021.

Key figures

Market cap 196B IDR (≈ $10.9M) Micro · P/S ratio 0.16 · EPS (TTM) −7.29 IDR · Net margin −4.6% · Return on equity −20.9% · Return on assets (EBIT) −0.2% (5-year average) · Operating margin −13.1% · Revenue (TTM) 1.5T IDR.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 16 out of 100 (low confidence).

What moves the price

The share trades about 60% below its 52-week high and 50% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at 110%, ASMI screens cheaper than that median.

Fair Value models

Bear 35.39 IDR Fair Value 44.00 IDR Bull 64.13 IDR
Price 21.00 IDR · Upside +109.5%
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.
Best data coverage
Residual Income 40.86 IDR 50.80 IDR 74.04 IDR 70
P/E Multiple 62.15 IDR 82.87 IDR 103.59 IDR 63
P/B Multiple 45.04 IDR 60.06 IDR 75.07 IDR 55
All 4 models by family
Multiples
P/E Multiple 62.15 IDR 82.87 IDR 103.59 IDR 63
P/B Multiple 45.04 IDR 60.06 IDR 75.07 IDR 55
Asset-Based
NCAV (Graham) 21.45 IDR 28.74 IDR 42.90 IDR 51
Economic Profit
Residual Income 40.86 IDR 50.80 IDR 74.04 IDR 70

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Quality Score breakdown

Overall quality 60/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 62
How much profit the company makes from its sales and capital
Quality Growth 87
Are margins and returns getting better?
Cashflow 7
Do the profits arrive as real cash?
Financial strength 60
Debt, balance sheet and risk of trouble
Investment 84
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 68
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 15
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

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Revenue & earnings trend

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.
≈ +10.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +10.6%
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: 30.6% / 6.9%
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.−47% → 3%
2025 sits 680% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 1.68 per share, median 6.10 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.

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Compare Asuransi Kresna Mitra Tbk PT with another stock

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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

Beats the industry median on 4/8 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 60 · Below median
Fair Value upside +109.5% · Top 25%
Profitability
Return on assets 4.2% · Above median
Net margin (12 months) −4.6% · Bottom 25%
Operating margin (12 months) −13.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −13.4% · Bottom 25%

Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper

P/B 0.51× · Cheapest 25%
P/S (12 months) 0.13× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)0 · sector 25
PAST (return on equity)0 · sector 61
HEALTH (low debt)0 · sector 90
DIVIDEND (yield)0 · sector 47

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
The People's Insurance Company 601319 ¥7.26 ¥9.01 +24% vs ASMI
Fairfax Financial Holdings FFH C$2,673 C$3,076 +15% vs ASMI
The Allstate Corporation ALL $254.81 $290.52 +14% vs ASMI
PICC Property and Casualty Company 2328 HK$17.25 HK$19.02 +10% vs ASMI
Cincinnati Financial Corporation CINF $185.48 $144.19 −22% vs ASMI
The Progressive Corporation PGR $227.77 $160.75 −29% vs ASMI
Chubb Limited CB $365.02 $235.99 −35% vs ASMI
The Travelers Companies, Inc TRV $395.20 $254.84 −36% vs ASMI
Intact Financial Corporation IFC C$276.00 C$168.64 −39% vs ASMI
W. R. Berkley Corporation WRB $75.23 $43.28 −42% vs ASMI

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Asuransi Kresna Mitra Tbk PT: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Asuransi Kresna Mitra Tbk PT Fair Value". https://www.fairvalue-calculator.com/stock/ASMI

Frequently asked questions

Is Asuransi Kresna Mitra Tbk PT (ASMI) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 44.00 IDR versus a price of 21.00 IDR, about +110% upside (undervalued).
What is the fair value of ASMI?
Our model-based fair value for Asuransi Kresna Mitra Tbk PT is 44.00 IDR (as of Nov 4, 2026), built from audited fundamentals. The current price: 21.00 IDR.
What is the quality score of ASMI?
Asuransi Kresna Mitra Tbk PT has a Quality Score of 60/100. 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 Kresna Mitra Tbk PT (ASMI)?
Our model-based price target is the fair value of 44.00 IDR (as of Nov 4, 2026) from 4 valuation models. Cautious scenario 35.39 IDR, optimistic scenario 64.13 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Asuransi Kresna Mitra Tbk PT stock forecast for 2026?
Our models put fair value at 44.00 IDR, about +110% upside versus a price of 21.00 IDR (undervalued). Cautious scenario 35.39 IDR, optimistic scenario 64.13 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Asuransi Kresna Mitra Tbk PT (ASMI)?
Asuransi Kresna Mitra Tbk PT reported trailing-twelve-month revenue of about 1.5T IDR (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of Asuransi Kresna Mitra Tbk PT (ASMI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Asuransi Kresna Mitra Tbk PT it is 44.00 IDR per share (as of Nov 4, 2026), against a price of 21.00 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Asuransi Kresna Mitra Tbk PT stock overvalued or undervalued in 2026?
As of Nov 4, 2026, ASMI trades below its calculated fair value: price 21.00 IDR, fair value 44.00 IDR, a gap of about +110% (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 ASMI?
No. The price is what the market pays today (21.00 IDR); the fair value is what the company's own numbers justify (44.00 IDR). For Asuransi Kresna Mitra Tbk PT the two are 23.00 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Asuransi Kresna Mitra Tbk PT worth?
The market values Asuransi Kresna Mitra Tbk PT at about 196B IDR (market capitalisation, as of Nov 4, 2026). Per share that is 21.00 IDR; our models calculate a fair value of 44.00 IDR per share.
What do the bullish and bearish scenarios say about ASMI?
Our models span a range for Asuransi Kresna Mitra Tbk PT: cautious scenario 35.39 IDR, base 44.00 IDR, optimistic 64.13 IDR per share (as of Nov 4, 2026, price 21.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Asuransi Kresna Mitra Tbk PT (ASMI)?
Balance-sheet figures for Asuransi Kresna Mitra Tbk PT (as of Nov 4, 2026): return on equity −20.9%. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is ASMI from its 52-week high?
Asuransi Kresna Mitra Tbk PT trades at 21.00 IDR, about 60% below its 52-week high of 52.00 IDR and 50% above the low of 14.00 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 44.00 IDR is for.
Which stocks are comparable to Asuransi Kresna Mitra Tbk PT?
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 Kresna Mitra Tbk PT stock attractive at the current price?
The data as of Nov 4, 2026: price 21.00 IDR, calculated fair value 44.00 IDR (+110%), Quality Score 60/100, 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 ASMI calculated?
We run Asuransi Kresna Mitra Tbk PT through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 44.00 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 13.3% above its aggregate fair value. Asuransi Kresna Mitra Tbk PT currently trades 52% 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 Kresna Mitra Tbk PT (ASMI)?
The closing price on Nov 6, 2026 was 21.00 IDR. Our model-based fair value is 44.00 IDR, about +110% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Asuransi Kresna Mitra Tbk PT right now?
The price is below even our cautious bear case (35.39 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 (60/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (35.39 IDR to 64.13 IDR) leaves room in how you read the outcome.

Key figures of Asuransi Kresna Mitra Tbk PT

How large is the market capitalisation of Asuransi Kresna Mitra Tbk PT (ASMI)?
The market capitalisation of Asuransi Kresna Mitra Tbk PT is 196B IDR (≈ $10.9M). 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 Kresna Mitra Tbk PT (ASMI)?
The price-to-sales ratio of Asuransi Kresna Mitra Tbk PT is 0.16 (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 Kresna Mitra Tbk PT (ASMI)?
Earnings per share at Asuransi Kresna Mitra Tbk PT are −7.29 IDR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Asuransi Kresna Mitra Tbk PT (ASMI)?
The net margin of Asuransi Kresna Mitra Tbk PT is −4.6% (last twelve months). 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 Kresna Mitra Tbk PT (ASMI)?
The return on equity (ROE) of Asuransi Kresna Mitra Tbk PT is −20.9% (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 Kresna Mitra Tbk PT (ASMI)?
On an EBIT basis the return on assets of Asuransi Kresna Mitra Tbk PT is −0.2% (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 Kresna Mitra Tbk PT (ASMI)?
The operating margin of Asuransi Kresna Mitra Tbk PT is −13.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Asuransi Kresna Mitra Tbk PT (ASMI)?
Revenue at Asuransi Kresna Mitra Tbk PT is growing −13.4% versus a year earlier (3y avg +78.8%). 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 Asuransi Kresna Mitra Tbk PT (ASMI)?
Earnings per share at Asuransi Kresna Mitra Tbk PT are growing +23.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Asuransi Kresna Mitra Tbk PT (ASMI) generate?
The free cash flow of Asuransi Kresna Mitra Tbk PT is −47.2B 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 cash does Asuransi Kresna Mitra Tbk PT (ASMI) hold?
Asuransi Kresna Mitra Tbk PT holds more cash than debt, 35.8B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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