Asuransi Kresna Mitra Tbk PT (ASMI) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Asuransi Kresna Mitra Tbk PT IDR 34, price IDR 17, upside +100.0%, quality 61 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 6.00 IDR – 940.00 IDR · fair‑value band 27.35 IDR – 59.79 IDR · the 17.00 IDR price screens below the 34.00 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 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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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. 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 17.00 IDR, while our model-based Fair Value estimate is 34.00 IDR, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 60.09 IDR per share, and 4 of the 4 models we run sit above the 17.00 IDR price.
Bear case: the Asset-Based group reads lowest at 28.76 IDR, and 0 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 27.35 IDR (bear) to 59.79 IDR (bull), the price of 17.00 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 61/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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 188B IDR (≈ $18.8M) · P/E ratio 2.7 · P/S ratio 0.09 · EPS (TTM) 6.37 IDR · Net margin 3.5% · Return on equity 16.0% · Return on assets (EBIT) −0.2% · Operating margin 4.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 39 out of 100 (low confidence).
What moves the price
The share trades about 67% below its 52-week high and 21% 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 100%, ASMI screens cheaper than that median.
Fair Value models
Bear 27.35 IDRFair Value 34.00 IDRBull 59.79 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 (4.66 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+296.5%
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.
+78.8%
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.
+50.2%
Start year 2020 (pandemic). Over 10 years: +21.5% a year
Revenue growth 14 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.
+20.3%
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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.
+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.31% vs 7%, 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.−47% → 3%
2025 sits 680% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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 · 119 stocks
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Is Asuransi Kresna Mitra Tbk PT (ASMI) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 34.00 IDR versus a price of 17.00 IDR, about +100% upside (undervalued).
What is the fair value of ASMI?
Our model-based fair value for Asuransi Kresna Mitra Tbk PT is 34.00 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 17.00 IDR.
What is the quality score of ASMI?
Asuransi Kresna Mitra Tbk PT has a Quality Score of 61/100. 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 34.00 IDR (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 27.35 IDR, optimistic scenario 59.79 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 34.00 IDR, about +100% upside versus a price of 17.00 IDR (undervalued). Cautious scenario 27.35 IDR, optimistic scenario 59.79 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 1.6T IDR (latest available figure, as of Sep 24, 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 34.00 IDR per share (as of Sep 24, 2026), against a price of 17.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Asuransi Kresna Mitra Tbk PT stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ASMI trades below its calculated fair value: price 17.00 IDR, fair value 34.00 IDR, a gap of about +100% (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 (17.00 IDR); the fair value is what the company's own numbers justify (34.00 IDR). For Asuransi Kresna Mitra Tbk PT the two are 17.00 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 188B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 17.00 IDR; our models calculate a fair value of 34.00 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 27.35 IDR, base 34.00 IDR, optimistic 59.79 IDR per share (as of Sep 24, 2026, price 17.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ASMI?
Asuransi Kresna Mitra Tbk PT trades at a price-to-earnings ratio of 2.7 (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 34.00 IDR is built from several models across several years. Other multiples: P/B 0.5, P/S 0.1, EV/EBITDA 2.2.
How solid is the balance sheet of Asuransi Kresna Mitra Tbk PT (ASMI)?
Balance-sheet figures for Asuransi Kresna Mitra Tbk PT (as of Sep 24, 2026): return on equity 16.0%. They feed the Quality Score of 61/100, 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 17.00 IDR, about 67% below its 52-week high of 52.00 IDR and 21% above the low of 14.00 IDR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 34.00 IDR is for.
Which stocks are comparable to Asuransi Kresna Mitra Tbk PT?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, 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 Sep 24, 2026: price 17.00 IDR, calculated fair value 34.00 IDR (+100%), Quality Score 61/100, 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 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 34.00 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 Kresna Mitra Tbk PT currently trades 100 % 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 Sep 23, 2026 was 17.00 IDR. Our model-based fair value is 34.00 IDR, about +100% 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 (27.35 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 (61/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (27.35 IDR to 59.79 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 188B IDR (≈ $18.8M). 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 0.09 (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 Kresna Mitra Tbk PT (ASMI)?
Earnings per share at Asuransi Kresna Mitra Tbk PT are 6.37 IDR (price ÷ EPS = P/E 2.7). 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 3.5% (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 Kresna Mitra Tbk PT (ASMI)?
The return on equity (ROE) of Asuransi Kresna Mitra Tbk PT is 16.0% (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 4.9% (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 +7.7% 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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