Bank Mayapada Internasional (MAYA) fair value: what the stock is really worth
As of Oct 9, 2026: fair value of Bank Mayapada Internasional IDR 398, price IDR 198, upside +101.0%, quality 34 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 1, 2026.
How to read this chart
60‑month range 158.00 IDR – 1,131 IDR · fair‑value band 396.95 IDR – 398.00 IDR · the 198.00 IDR price screens below the 398.00 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 1, 2026.
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PT Bank Mayapada Internasional Tbk engages in providing commercial banking products and services in Indonesia. The company provides savings and current accounts, and time deposits, as well as certificates of deposit.
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PT Bank Mayapada Internasional Tbk engages in providing commercial banking products and services in Indonesia. The company provides savings and current accounts, and time deposits, as well as certificates of deposit. It offers working capital loan, such as overdraft loan facility, fixed, import and export, and syndicated; housing loan, vehicle, multipurpose, channeling, and small business loans; bank guarantees; investment and bancassurance products; and safe box, payroll, and clearing services. In addition, the company e-banking services; and lalu lintas giral, real time gross settlement, and foreign exchange transaction services. PT Bank Mayapada Internasional Tbk was founded in 1989 and is based in Jakarta, Indonesia.
Stock analysis
Bank Mayapada Internasional (MAYA) currently trades at 198.00 IDR, while our model-based Fair Value estimate is 398.00 IDR, implying the stock looks roughly 50.3% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 436.93 IDR per share, and 2 of the 4 models we run sit above the 198.00 IDR price.
Bear case: the Economic Profit group reads lowest at 340.08 IDR, and 2 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 396.95 IDR (bear) to 398.00 IDR (bull), the price of 198.00 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 34/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bank Mayapada Internasional reported revenue of 13.0T IDR in FY2025 versus 6.4T IDR in FY2021, a compound +19.3%/yr. Reported net income was 30.0B IDR in FY2025, compounding −9.2%/yr from FY2021.
Key figures
Market cap 5.2T IDR (≈ $290M) · P/E ratio 76.8 · P/S ratio 0.18 · EPS (TTM) 2.59 IDR · Net margin 0.2% · Return on equity 0.4% · Return on assets (EBIT) 0.0% · Operating margin 8.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 20% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 101%, MAYA screens cheaper than that median.
Fair Value models
Bear 396.95 IDRFair Value 398.00 IDRBull 398.00 IDR
Price 198.00 IDR · Upside +101.0%
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 (2.01 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. 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.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.50/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+15.1%
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.
+18.5%
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.
+19.8%
Start year 2020 (pandemic). Over 10 years: +9.9% a year
Revenue growth 25 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.
+22.3%
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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.
−34.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−34.3%
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.−34.3% vs −38.7%, 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.2% → 0%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 3.2%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare Bank Mayapada Internasional 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.Banks - Regional · 1054 stocks
Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score34 · Bottom 25%
Fair Value upside+101.0% · Top 25%
Profitability
Return on equity (TTM)0.4% · Bottom 25%
Return on assets0.0% · Bottom 25%
Net margin (TTM)2.3% · Bottom 25%
Operating margin (TTM)8.3% · Bottom 25%
Growth and dividend
Revenue growth0.9% · Bottom 25%
Valuation Multiplesvs Banks - Regional 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). "Bank Mayapada Internasional Fair Value". https://www.fairvalue-calculator.com/stock/MAYA
Frequently asked questions
Is Bank Mayapada Internasional (MAYA) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of 398.00 IDR versus a price of 198.00 IDR, about +101% upside (undervalued).
What is the fair value of MAYA?
Our model-based fair value for Bank Mayapada Internasional is 398.00 IDR (as of Oct 1, 2026), built from audited fundamentals. The current price: 198.00 IDR.
What is the quality score of MAYA?
Bank Mayapada Internasional has a Quality Score of 34/100. 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 Bank Mayapada Internasional (MAYA)?
Our model-based price target is the fair value of 398.00 IDR (as of Oct 1, 2026) from 4 valuation models. Cautious scenario 396.95 IDR, optimistic scenario 398.00 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Mayapada Internasional stock forecast for 2026?
Our models put fair value at 398.00 IDR, about +101% upside versus a price of 198.00 IDR (undervalued). Cautious scenario 396.95 IDR, optimistic scenario 398.00 IDR. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Bank Mayapada Internasional (MAYA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Mayapada Internasional it is 398.00 IDR per share (as of Oct 1, 2026), against a price of 198.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Mayapada Internasional stock overvalued or undervalued in 2026?
As of Oct 1, 2026, MAYA trades below its calculated fair value: price 198.00 IDR, fair value 398.00 IDR, a gap of about +101% (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 MAYA?
No. The price is what the market pays today (198.00 IDR); the fair value is what the company's own numbers justify (398.00 IDR). For Bank Mayapada Internasional the two are 200.00 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Mayapada Internasional worth?
The market values Bank Mayapada Internasional at about 5.2T IDR (market capitalisation, as of Oct 1, 2026). Per share that is 198.00 IDR; our models calculate a fair value of 398.00 IDR per share.
What do the bullish and bearish scenarios say about MAYA?
Our models span a range for Bank Mayapada Internasional: cautious scenario 396.95 IDR, base 398.00 IDR, optimistic 398.00 IDR per share (as of Oct 1, 2026, price 198.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MAYA?
Bank Mayapada Internasional trades at a price-to-earnings ratio of 76.8 (as of Oct 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 398.00 IDR is built from several models across several years. Other multiples: P/B 0.3, P/S 1.8.
How solid is the balance sheet of Bank Mayapada Internasional (MAYA)?
Balance-sheet figures for Bank Mayapada Internasional (as of Oct 1, 2026): return on equity 0.4%. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is MAYA from its 52-week high?
Bank Mayapada Internasional trades at 198.00 IDR, about 27% below its 52-week high of 270.00 IDR and 20% above the low of 165.00 IDR (as of Oct 9, 2026). Distance from the high says nothing about value: that is what the fair value of 398.00 IDR is for.
Which stocks are comparable to Bank Mayapada Internasional?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, 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 Bank Mayapada Internasional stock attractive at the current price?
The data as of Oct 1, 2026: price 198.00 IDR, calculated fair value 398.00 IDR (+101%), Quality Score 34/100, 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 MAYA calculated?
We run Bank Mayapada Internasional 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 398.00 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 14.9 % above its aggregate fair value. Bank Mayapada Internasional currently trades 50 % 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 Bank Mayapada Internasional (MAYA)?
The closing price on Oct 9, 2026 was 198.00 IDR. Our model-based fair value is 398.00 IDR, about +101% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Mayapada Internasional right now?
The large discount to fair value meets weak quality (34/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (396.95 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. The models converge in a tight band (396.95 IDR to 398.00 IDR), unusually little disagreement for a valuation.
Where does the earnings growth of Bank Mayapada Internasional (MAYA) come from?
Earnings per share at Bank Mayapada Internasional grew −39.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share −6.0 %, EBIT margin −32.9 %, tax rate −4.6 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Bank Mayapada Internasional
How large is the market capitalisation of Bank Mayapada Internasional (MAYA)?
The market capitalisation of Bank Mayapada Internasional is 5.2T IDR (≈ $290M). 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 Bank Mayapada Internasional (MAYA)?
The price-to-sales ratio of Bank Mayapada Internasional is 0.18 (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 Bank Mayapada Internasional (MAYA)?
Earnings per share at Bank Mayapada Internasional are 2.59 IDR (price ÷ EPS = P/E 76.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Mayapada Internasional (MAYA)?
The net margin of Bank Mayapada Internasional is 0.2% (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 Bank Mayapada Internasional (MAYA)?
The return on equity (ROE) of Bank Mayapada Internasional is 0.4% (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 Bank Mayapada Internasional (MAYA)?
On an EBIT basis the return on assets of Bank Mayapada Internasional is 0.0% (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 Bank Mayapada Internasional (MAYA)?
The operating margin of Bank Mayapada Internasional is 8.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Mayapada Internasional (MAYA)?
Revenue at Bank Mayapada Internasional is growing +0.9% versus a year earlier (3y avg +18.5%). 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 Bank Mayapada Internasional (MAYA)?
Earnings per share at Bank Mayapada Internasional are growing +199% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Mayapada Internasional (MAYA) generate?
The free cash flow of Bank Mayapada Internasional is −7.2T 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 Bank Mayapada Internasional (MAYA) hold?
Bank Mayapada Internasional holds more cash than debt, 16.0T IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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