M Cash Integrasi Tbk PT (MCAS) fair value: what the stock is really worth
We calculate from audited financials what M Cash Integrasi Tbk PT is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 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 13, 2026.
How to read this chart
60‑month range 148.00 IDR – 14,500 IDR · fair‑value band 202.39 IDR – 228.01 IDR · the 270.00 IDR price screens above the 213.94 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
PT M Cash Integrasi Tbk operates as a digital distribution company. The company provides digital products for mobile credit and data top up; PPOB; game voucher; tour and travel; music concert and attraction; lifestyle voucher; e-wallet and e-money top up; and branchless banking.
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PT M Cash Integrasi Tbk operates as a digital distribution company. The company provides digital products for mobile credit and data top up; PPOB; game voucher; tour and travel; music concert and attraction; lifestyle voucher; e-wallet and e-money top up; and branchless banking. It also offers electric vehicles; semolis, an electric motorbike rental; Super API, an end-to-end digital services with API connections; logistics; and cloud advertising platform, such as infrastructure-as-a-service, managed services, and exchange hub. It also offers Pawoon POS, a cashier application, equipped with the cloud-based POS solutions; payment solutions; digital wholesale, an end to end distribution platform; content and entertainment products, including comics, games platform, games academy, bumilangits IP, podcast close the door, and digi rans; digital kiosk, an O2O platform which offers thousands SKU of digital product and distribute card based products; Smart EDC, an one-stop payment solution; E-Catalog; and MCAS Widget, an end-to-end digital solution in a small widget. In addition, the company provides FAIS, a content created by artificial intelligence, such as text, images, videos, and music. Further, it engages in the trading, construction, services, development, industry, printing, land transportation, mining, tourism, real estate, workshop, contracting, garment, electrical, mechanical, professional, scientific and technical, agriculture, equipment, telecommunication, e-commerce and other computer programming, telecommunication equipment and machinery trading, software publishing, information technology, computer consulting, and facility management activities; household electrothermal equipment industry; and retail trade through media for food, beverage, tobacco, chemical, pharmaceutical, and cosmetic and laboratory equipment. PT M Cash Integrasi Tbk was founded in 2010 and is based in Jakarta, Indonesia.
Stock analysis
M Cash Integrasi Tbk PT (MCAS) currently trades at 270.00 IDR, while our model-based Fair Value estimate is 213.94 IDR, implying the stock looks roughly 26.2% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 344.22 IDR per share, and 4 of the 9 models we run sit above the 270.00 IDR price.
Bear case: the Asset-Based group reads lowest at 126.49 IDR, and 5 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: 202.39 IDR (bear) to 228.01 IDR (bull), the price of 270.00 IDR sits above 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 42/100 (below-average quality), in the Industrials sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
M Cash Integrasi Tbk PT reported revenue of 4.7T IDR in FY2025 versus 12.7T IDR in FY2021, a compound −21.8%/yr. Reported net income was −38.4B IDR in FY2025.
Key figures
Market cap 234B IDR (≈ $23.4M) · P/S ratio 0.04 · EPS (TTM) −51.70 IDR · Dividend yield 0.2% · Net margin −0.8% · Return on equity −5.8% · Return on assets (EBIT) 1.8% · Operating margin 0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
For context, the median of 10 Industrials peers we cover trades at −61% fair-value upside, at −21%, MCAS screens cheaper than that median.
Fair Value models
Bear 202.39 IDRFair Value 213.94 IDRBull 228.01 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.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.0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−33.7%
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.
−27.3%
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.
−16.0%
Revenue growth 11 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.
+31.9%
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Profit margin (trend) ⓘ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.
1.0% (2020) → 0.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare M Cash Integrasi Tbk PT 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.Business Equipment & Supplies · 76 stocks
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Is M Cash Integrasi Tbk PT (MCAS) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 213.94 IDR versus a price of 270.00 IDR, about −21% upside (overvalued).
What is the fair value of MCAS?
Our model-based fair value for M Cash Integrasi Tbk PT is 213.94 IDR (as of Sep 13, 2026), built from audited fundamentals. The current price: 270.00 IDR.
What is the quality score of MCAS?
M Cash Integrasi Tbk PT has a Quality Score of 42/100. 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 M Cash Integrasi Tbk PT (MCAS)?
Our model-based price target is the fair value of 213.94 IDR (as of Sep 13, 2026) from 9 valuation models. Cautious scenario 202.39 IDR, optimistic scenario 228.01 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the M Cash Integrasi Tbk PT stock forecast for 2026?
Our models put fair value at 213.94 IDR, about −21% upside versus a price of 270.00 IDR (overvalued). Cautious scenario 202.39 IDR, optimistic scenario 228.01 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of M Cash Integrasi Tbk PT (MCAS)?
M Cash Integrasi Tbk PT reported trailing-twelve-month revenue of about 4.3T IDR (latest available figure, as of Sep 13, 2026).
Does M Cash Integrasi Tbk PT pay a dividend?
M Cash Integrasi Tbk PT currently shows a dividend yield of about 0.24% relative to its recent price (as of Sep 13, 2026).
What is the intrinsic value of M Cash Integrasi Tbk PT (MCAS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For M Cash Integrasi Tbk PT it is 213.94 IDR per share (as of Sep 13, 2026), against a price of 270.00 IDR. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is M Cash Integrasi Tbk PT stock overvalued or undervalued in 2026?
As of Sep 13, 2026, MCAS trades above its calculated fair value: price 270.00 IDR, fair value 213.94 IDR, a gap of about −21% (overvalued). 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 MCAS?
No. The price is what the market pays today (270.00 IDR); the fair value is what the company's own numbers justify (213.94 IDR). For M Cash Integrasi Tbk PT the two are 56.06 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is M Cash Integrasi Tbk PT worth?
The market values M Cash Integrasi Tbk PT at about 234B IDR (market capitalisation, as of Sep 13, 2026). Per share that is 270.00 IDR; our models calculate a fair value of 213.94 IDR per share.
What do the bullish and bearish scenarios say about MCAS?
Our models span a range for M Cash Integrasi Tbk PT: cautious scenario 202.39 IDR, base 213.94 IDR, optimistic 228.01 IDR per share (as of Sep 13, 2026, price 270.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of M Cash Integrasi Tbk PT (MCAS)?
Balance-sheet figures for M Cash Integrasi Tbk PT (as of Sep 13, 2026): return on equity −5.8%, debt of 0.17 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
Which stocks are comparable to M Cash Integrasi Tbk PT?
From the same area (Industrials) we also value GRG Banking Equipment Co, Shanghai M&G Stationery Inc, XGD Inc, DOMS Industries Limited, 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 M Cash Integrasi Tbk PT stock attractive at the current price?
The data as of Sep 13, 2026: price 270.00 IDR, calculated fair value 213.94 IDR (−21%), Quality Score 42/100, 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 MCAS calculated?
We run M Cash Integrasi 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 213.94 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 15.8 % above its aggregate fair value. M Cash Integrasi 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 should I pay attention to with M Cash Integrasi Tbk PT right now?
The price sits above even our optimistic bull case (228.01 IDR). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band (202.39 IDR to 228.01 IDR), unusually little disagreement for a valuation. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of M Cash Integrasi Tbk PT
How large is the market capitalisation of M Cash Integrasi Tbk PT (MCAS)?
The market capitalisation of M Cash Integrasi Tbk PT is 234B IDR (≈ $23.4M). 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 M Cash Integrasi Tbk PT (MCAS)?
The price-to-sales ratio of M Cash Integrasi Tbk PT is 0.04 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of M Cash Integrasi Tbk PT (MCAS)?
Earnings per share at M Cash Integrasi Tbk PT are −51.70 IDR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of M Cash Integrasi Tbk PT (MCAS)?
The dividend yield of M Cash Integrasi Tbk PT is 0.2%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of M Cash Integrasi Tbk PT (MCAS)?
The net margin of M Cash Integrasi Tbk PT is −0.8% (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 M Cash Integrasi Tbk PT (MCAS)?
The return on equity (ROE) of M Cash Integrasi Tbk PT is −5.8% (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 M Cash Integrasi Tbk PT (MCAS)?
On an EBIT basis the return on assets of M Cash Integrasi Tbk PT is 1.8% (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 M Cash Integrasi Tbk PT (MCAS)?
The operating margin of M Cash Integrasi Tbk PT is 0.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at M Cash Integrasi Tbk PT (MCAS)?
Revenue at M Cash Integrasi Tbk PT is growing −34.8% versus a year earlier (3y avg −27.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does M Cash Integrasi Tbk PT (MCAS) generate?
The free cash flow of M Cash Integrasi Tbk PT is −17.0B 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 debt does M Cash Integrasi Tbk PT (MCAS) carry?
The net debt of M Cash Integrasi Tbk PT is 243B IDR (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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