Fuji Finance Indonesia Tbk PT (FUJI) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Fuji Finance Indonesia Tbk PT IDR 286, price IDR 288, upside -0.5%, quality 75 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 153.00 IDR – 950.00 IDR · fair‑value band 200.67 IDR – 392.07 IDR · the 288.00 IDR price screens above the 286.45 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 Fuji Finance Indonesia Tbk operates as a multi-finance and leasing company in Indonesia.
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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.
Stock analysis
Fuji Finance Indonesia Tbk PT (FUJI) currently trades at 288.00 IDR, while our model-based Fair Value estimate is 286.45 IDR, implying the stock looks roughly 0.5% fairly valued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 592.61 IDR per share, and 4 of the 9 models we run sit above the 288.00 IDR price.
Bear case: the Multiples group reads lowest at 83.51 IDR, and 5 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: 200.67 IDR (bear) to 392.07 IDR (bull), the price of 288.00 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 75/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Fuji Finance Indonesia Tbk PT 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.
Key figures
Market cap 374B IDR (≈ $20.9M) · P/E ratio 64.1 · P/S ratio 35.1 · EPS (TTM) 4.49 IDR · Net margin 54.8% · Return on equity 3.3% · Return on assets (EBIT) 4.1% · Operating margin 42.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 70% below its 52-week high and 53% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −1%, FUJI screens cheaper than that median.
Fair Value models
Bear 200.67 IDRFair Value 286.45 IDRBull 392.07 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 (3.30 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.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+16.6%
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.
+13.5%
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.
+14.1%
Start year 2020 (pandemic)
Revenue growth 8 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.
+28.7%
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What shareholders gained per year (last 5 years), in IDR ⓘ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. 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.
+4.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.3%
Dividend (yield on the price)0.0%
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.62% → 65%
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).
+3.2%
Yearly growth needed for the next five years to justify today's price.
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 +0.5% a year for the price.
Compare Fuji Finance Indonesia Tbk PT with another stock
Price, fair value, quality and upside side by side.
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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.Credit Services · 331 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score75 · Top 25%
Fair Value upside−1% · Below median
Profitability
Return on equity (TTM)3% · Below median
Return on assets3% · Above median
Net margin (TTM)41% · Top 25%
Operating margin (TTM)42% · Above median
Growth and dividend
Revenue growth−27% · Bottom 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Fuji Finance Indonesia Tbk PT Fair Value". https://www.fairvalue-calculator.com/stock/FUJI
Frequently asked questions
Is Fuji Finance Indonesia Tbk PT (FUJI) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 286.45 IDR versus a price of 288.00 IDR, about −1% upside (fairly valued).
What is the fair value of FUJI?
Our model-based fair value for Fuji Finance Indonesia Tbk PT is 286.45 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 288.00 IDR.
What is the quality score of FUJI?
Fuji Finance Indonesia Tbk PT has a Quality Score of 75/100. 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 Fuji Finance Indonesia Tbk PT (FUJI)?
Our model-based price target is the fair value of 286.45 IDR (as of Sep 24, 2026) from 9 valuation models. Cautious scenario 200.67 IDR, optimistic scenario 392.07 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Fuji Finance Indonesia Tbk PT stock forecast for 2026?
Our models put fair value at 286.45 IDR, about −1% upside versus a price of 288.00 IDR (fairly valued). Cautious scenario 200.67 IDR, optimistic scenario 392.07 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Fuji Finance Indonesia Tbk PT (FUJI)?
Fuji Finance Indonesia Tbk PT reported trailing-twelve-month revenue of about 14.1B IDR (latest available figure, as of Sep 24, 2026).
What growth is priced into Fuji Finance Indonesia Tbk PT (FUJI)?
For today's price to be fair in a discounted-cash-flow model, Fuji Finance Indonesia Tbk PT would have to grow free cash flow by +3.2 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +14.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of FUJI use?
Our models discount Fuji Finance Indonesia Tbk PT at 12.0 %: a base by market capitalisation (nano), 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 Fuji Finance Indonesia Tbk PT that is +3.2 % per year a year over ten years, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has Fuji Finance Indonesia Tbk PT (FUJI) delivered so far?
Over the past 5 years revenue at Fuji Finance Indonesia Tbk PT grew +14.1 % a year. The price currently implies +3.2 % per year free-cash-flow growth a 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 Fuji Finance Indonesia Tbk PT (FUJI) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Fuji Finance Indonesia Tbk PT (+3.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Fuji Finance Indonesia Tbk PT (FUJI)?
The free-cash-flow yield on the price is 6.62 %: that much free cash flow Fuji Finance Indonesia Tbk PT produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Fuji Finance Indonesia Tbk PT (FUJI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fuji Finance Indonesia Tbk PT it is 286.45 IDR per share (as of Sep 24, 2026), against a price of 288.00 IDR. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Fuji Finance Indonesia Tbk PT stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FUJI trades above its calculated fair value: price 288.00 IDR, fair value 286.45 IDR, a gap of about −1% (fairly valued). 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 FUJI?
No. The price is what the market pays today (288.00 IDR); the fair value is what the company's own numbers justify (286.45 IDR). For Fuji Finance Indonesia Tbk PT the two are 1.55 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Fuji Finance Indonesia Tbk PT worth?
The market values Fuji Finance Indonesia Tbk PT at about 374B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 288.00 IDR; our models calculate a fair value of 286.45 IDR per share.
What do the bullish and bearish scenarios say about FUJI?
Our models span a range for Fuji Finance Indonesia Tbk PT: cautious scenario 200.67 IDR, base 286.45 IDR, optimistic 392.07 IDR per share (as of Sep 24, 2026, price 288.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FUJI?
Fuji Finance Indonesia Tbk PT trades at a price-to-earnings ratio of 64.1 (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 286.45 IDR is built from several models across several years. Other multiples: P/B 2.1, P/S 26.6, EV/EBITDA 25.9.
How solid is the balance sheet of Fuji Finance Indonesia Tbk PT (FUJI)?
Balance-sheet figures for Fuji Finance Indonesia Tbk PT (as of Sep 24, 2026): return on equity 3.3%. They feed the Quality Score of 75/100, which measures business quality independently of the share price.
How far is FUJI from its 52-week high?
Fuji Finance Indonesia Tbk PT trades at 288.00 IDR, about 70% below its 52-week high of 950.00 IDR and 53% above the low of 188.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 286.45 IDR is for.
Which stocks are comparable to Fuji Finance Indonesia Tbk PT?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial 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 Fuji Finance Indonesia Tbk PT stock attractive at the current price?
The data as of Sep 24, 2026: price 288.00 IDR, calculated fair value 286.45 IDR (−1%), Quality Score 75/100, from 9 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 FUJI calculated?
We run Fuji Finance Indonesia Tbk PT through 9 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 286.45 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 14.0 % above its aggregate fair value. Fuji Finance Indonesia Tbk PT itself currently trades above fair value. 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 Fuji Finance Indonesia Tbk PT (FUJI)?
The closing price on Sep 24, 2026 was 288.00 IDR. Our model-based fair value is 286.45 IDR, about −1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fuji Finance Indonesia Tbk PT right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (200.67 IDR to 392.07 IDR) leaves room in how you read the outcome. 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.
Key figures of Fuji Finance Indonesia Tbk PT
How large is the market capitalisation of Fuji Finance Indonesia Tbk PT (FUJI)?
The market capitalisation of Fuji Finance Indonesia Tbk PT is 374B IDR (≈ $20.9M). 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 Fuji Finance Indonesia Tbk PT (FUJI)?
The price-to-sales ratio of Fuji Finance Indonesia Tbk PT is 35.1 (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 Fuji Finance Indonesia Tbk PT (FUJI)?
Earnings per share at Fuji Finance Indonesia Tbk PT are 4.49 IDR (price ÷ EPS = P/E 64.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Fuji Finance Indonesia Tbk PT (FUJI)?
The net margin of Fuji Finance Indonesia Tbk PT is 54.8% (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 Fuji Finance Indonesia Tbk PT (FUJI)?
The return on equity (ROE) of Fuji Finance Indonesia Tbk PT is 3.3% (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 Fuji Finance Indonesia Tbk PT (FUJI)?
On an EBIT basis the return on assets of Fuji Finance Indonesia Tbk PT is 4.1% (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 Fuji Finance Indonesia Tbk PT (FUJI)?
The operating margin of Fuji Finance Indonesia Tbk PT is 42.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fuji Finance Indonesia Tbk PT (FUJI)?
Revenue at Fuji Finance Indonesia Tbk PT is growing −27.1% versus a year earlier (3y avg +13.5%). 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 Fuji Finance Indonesia Tbk PT (FUJI)?
Earnings per share at Fuji Finance Indonesia Tbk PT are growing −65.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Fuji Finance Indonesia Tbk PT (FUJI) hold?
Fuji Finance Indonesia Tbk PT holds more cash than debt, 100B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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