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PT Asuransi Ramayana Tbk (ASRM) Fair Value & Analysis

Financial Services · ID · Market cap 307B IDR

Price240.00 IDR
Fair Value220.20 IDR
Upside-8.3%
Quality94/100
Evidence: High Range 165.15 IDR – 275.25 IDR

Fair value as of: Jun 26, 2026

Analysis

PT Asuransi Ramayana Tbk (ASRM) currently trades at 240.00 IDR, while our model-based Fair Value estimate is 220.20 IDR — implying the stock looks roughly 8.3% overvalued today. We read business quality at 94/100 (high 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).

About the company

PT Asuransi Ramayana Tbk operates as a general insurance company in Indonesia. It operates in two segments, General Insurance and Rental of Office Buildings. The company offers property, vehicle, health, freight, ship frame, surety and customs bond, engineering, money, heavy equipment, and personal accident insurance products; land, sea, and air freight insurance products; and construction and erection all risk, contractor plant and machinery/equipment, machinery breakdown, electronic equipment, and civil engineering completed risk insurance products. It also provides general, public, professional, automobile, golfer indemnity, director and officer, garage keeper, and warehouse liability insurance products; and sharia products. In addition, the company engages in the rental of office buildings and cars. PT Asuransi Ramayana Tbk was founded in 1956 and is headquartered in Jakarta, Indonesia.

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Frequently asked questions

Is PT Asuransi Ramayana Tbk (ASRM) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 220.20 IDR versus a price of 240.00 IDR — about −8% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ASRM?
Our 21-model fair value for PT Asuransi Ramayana Tbk is 220.20 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 240.00 IDR.
What is the quality score of ASRM?
PT Asuransi Ramayana Tbk has a Quality Score of 94/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.