PT Malacca Trust Wuwungan Insurance Tbk (MTWI) Fair Value & Analysis
Financial Services · ID · Market cap 784B IDR
Fair value as of: Jul 17, 2026
From 6 valuation models · updated 24 days ago
Share price −5.9% over the past month.
Below-average quality, screening 24% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from 237.86 IDR (bear) to 396.43 IDR (bull), base 317.14 IDR. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 37/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 17, 2026.
How to read this chart
60‑month range 67.89 IDR – 444.32 IDR · fair‑value band 237.86 IDR – 396.43 IDR · the 256.00 IDR price screens below the 317.14 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 17, 2026.
Analysis
PT Malacca Trust Wuwungan Insurance Tbk (MTWI) currently trades at 256.00 IDR, while our model-based Fair Value estimate is 317.14 IDR, implying the stock looks roughly 23.9% undervalued today. The Quality Score stands at 37/100 (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, PT Malacca Trust Wuwungan Insurance Tbk generated revenue of 1.9T IDR at a net margin of 2.3%. Revenue grew 57.5% year over year. It earns a return on equity of 11.0%. The balance sheet holds a net cash position of 135B IDR. Fundamentals as of Jul 17, 2026
Our scenario range runs from 237.86 IDR (bear case) to 396.43 IDR (bull case); at 256.00 IDR, the current price sits within 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 47% below its 52-week high and 45% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 24%, MTWI 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.
All 6 models by family
Widest divergence: Economic Profit (223.68 IDR) versus Asset-Based (93.50 IDR). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 30 · Market factors (momentum, volatility) 28
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 Malacca Trust Wuwungan Insurance Tbk engages in the provision of general insurance products in Indonesia. The company operates through General Insurance and Rental Property divisions.
Full company description
PT Malacca Trust Wuwungan Insurance Tbk engages in the provision of general insurance products in Indonesia. The company operates through General Insurance and Rental Property divisions. It offers health, fire, motor vehicles, cargo, marine hull, property all risk, cargo, travel, freight, home contents micro, movable property, and personal accident insurance products, as well as others, such as liabilities, engineering, and miscellaneous insurance products. It is also involved in property rental business. The company was formerly known as Pt Asuransi Wuwungan. The company was founded in 1952 and is headquartered in Jakarta Selatan, Indonesia. PT Malacca Trust Wuwungan Insurance Tbk is a subsidiary of PT Batavia Prosperindo Internasional Tbk.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Malacca Trust Wuwungan Insurance Tbk reported revenue of 1.7T IDR in FY2025 versus 87.1B IDR in FY2021, a compound +111.1%/yr. Reported net income was 71.3B IDR in FY2025, compounding +115.6%/yr from FY2021.
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Peer Group
Insurance - Diversified · 84 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 Insurance - Diversified 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.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 17, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,844 MXN | +27% |
| Allianz SE ALV | €421.00 | €369.31 | -12% |
| Zurich Insurance Group ZURN | CHF 624.40 | CHF 619.80 | -1% |
| AXA SA AXAN | 888.28 MXN | 1,249 MXN | +41% |
| Assicurazioni Generali S.p.A G | €42.90 | €12.18 | -72% |
| Sun Life Financial Inc SLF | C$114.20 | C$87.83 | -23% |
| BB Seguridade Participações S.A BBSE3 | R$40.71 | R$60.39 | +48% |
| Tryg A/S TRYG | kr 154.00 | kr 116.45 | -24% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,625 IDR | 4,176 IDR | -80% |
| Caixa Seguridade Participações S.A CXSE3 | R$21.77 | R$18.60 | -15% |
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Frequently asked questions
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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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