Bank Mayapada Internasional (MAYA) Fair Value & Analysis

Financial Services · ID · Market cap 5.2T IDR

Below-average quality, trading 50% below our fair value.

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

• The large discount to fair value meets weak quality (32/100). That raises the risk this is a value trap rather than a bargain.
• The price is below even our cautious bear case (297.00 IDR). The market is more pessimistic than our downside scenario.
• 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 Aug 27, 2026.

How to read this chart

60‑month range 158.00 IDR – 2,578 IDR · fair‑value band 297.00 IDR – 495.00 IDR · the 198.00 IDR price screens below the 396.00 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 27, 2026.

Full chart & analysis →

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Analysis

Bank Mayapada Internasional (MAYA) currently trades at 198.00 IDR, while our model-based Fair Value estimate is 396.00 IDR, implying the stock looks roughly 100.0% undervalued today. The Quality Score stands at 32/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Bank Mayapada Internasional generated revenue of 2.9T IDR at a net margin of 1.9%. Revenue grew 6.2% year over year. It earns a return on equity of 0.3%. The balance sheet holds a net cash position of 16.0T IDR. Fundamentals as of Aug 27, 2026

Our scenario range runs from 297.00 IDR (bear case) to 495.00 IDR (bull case); at 198.00 IDR, the current price sits below 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 41% below its 52-week high and 25% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -9% fair-value upside, at 100%, MAYA screens cheaper 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.

Widest divergence: Asset-Based (436.93 IDR) versus Multiples (14.89 IDR). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

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Peer Group

Banks - Regional · 1091 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 Banks - Regional 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.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

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10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 27, 2026).

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Frequently asked questions

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.