PT Fuji Finance Indonesia Tbk (FUJI) Fair Value & Analysis
Financial Services · ID · Market cap 273B IDR
Fair value as of: Jul 19, 2026
From 9 valuation models · updated 22 days ago
Share price +3.0% over the past month.
A strong business, but screening 47% overvalued on our models.
What matters now
- A high-quality business (quality 75/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
- The price sits above even our optimistic bull case (108.26 IDR). The favourable scenario is already priced in.
- The models converge in a tight band (107.26 IDR to 108.26 IDR), unusually little disagreement for a valuation.
- 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 123.00 IDR – 950.00 IDR · fair‑value band 107.26 IDR – 108.26 IDR · the 206.00 IDR price screens above the 108.26 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 Fuji Finance Indonesia Tbk (FUJI) currently trades at 206.00 IDR, while our model-based Fair Value estimate is 108.26 IDR, implying the stock looks roughly 47.5% overvalued today. The Quality Score stands at 75/100 (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).
Over the trailing twelve months, PT Fuji Finance Indonesia Tbk generated revenue of 14.1B IDR at a net margin of 41.5%. Revenue declined 27.1% year over year. It earns a return on equity of 3.3%. The balance sheet holds a net cash position of 100B IDR. Fundamentals as of Jul 19, 2026
Our scenario range runs from 107.26 IDR (bear case) to 108.26 IDR (bull case); at 206.00 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 79% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -47%, FUJI 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 9 models by family
Widest divergence: Growth DCF (701.55 IDR) versus Multiples (83.51 IDR). Highest evidence: Growth DCF (72).
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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 76 · Market factors (momentum, volatility) 16
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 Fuji Finance Indonesia Tbk operates as a multi-finance and leasing company in Indonesia. The company offers investment finance for various industrial machineries and equipment, such as power plant equipment comprising generators and compressors, etc.; heavy equipment, including excavators, bulldozers, and forklifts; and various vehicles, such as trucks …
Full company description
PT Fuji Finance Indonesia Tbk operates as a multi-finance and leasing company in Indonesia. The company offers investment finance for various industrial machineries and equipment, such as power plant equipment comprising generators and compressors, etc.; heavy equipment, including excavators, bulldozers, and forklifts; and various vehicles, such as trucks and buses. It also provides working capital financing for purchasing raw material/inventory and cashflow for operation or services; multipurpose financing for procurement of goods or services; invoice financing and factoring; bridging and mezzanine financing; and renewable/green financing for solar power systems. The company was formerly known as PT Jaya Fuji Leasing Pratama and changed its name to PT Fuji Finance Indonesia Tbk in July 2018. The company was founded in 1982 and is based in Jakarta, Indonesia. PT Fuji Finance Indonesia Tbk is a subsidiary of Indovalue Capital Asset Management Ltd.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Fuji Finance Indonesia Tbk reported revenue of 15.2B IDR in FY2025 versus 11.7B IDR in FY2021, a compound +6.8%/yr. Reported net income was 8.4B IDR in FY2025, compounding −2.4%/yr from FY2021.
FUJI screens 47% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 331 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 Credit Services 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.
Insider activity: 30/100
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 Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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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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