Malacca Trust Wuwungan Insurance PT (MTWI) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Malacca Trust Wuwungan Insurance PT IDR 147, price IDR 272, upside -46.0%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Malacca Trust Wuwungan Insurance PT for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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 Sep 24, 2026.
How to read this chart
60‑month range 67.89 IDR – 444.32 IDR · fair‑value band 124.02 IDR – 263.14 IDR · the 272.00 IDR price screens above the 146.77 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
Follow Malacca Trust Wuwungan Insurance PT in your weekly email
Every Wednesday you see whether Malacca Trust Wuwungan Insurance PT is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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.
Show more
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.
Stock analysis
Malacca Trust Wuwungan Insurance PT (MTWI) currently trades at 272.00 IDR, while our model-based Fair Value estimate is 146.77 IDR, implying the stock looks roughly 85.3% overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of 195.37 IDR per share, and 1 of the 6 models we run sit above the 272.00 IDR price.
Bear case: the Dividend Discount group reads lowest at 87.44 IDR, and 5 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 124.02 IDR (bear) to 263.14 IDR (bull), the price of 272.00 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 37/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Malacca Trust Wuwungan Insurance PT 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. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 795B IDR (≈ $44.5M) · P/E ratio 61.3 · P/S ratio 2.53 · EPS (TTM) 4.44 IDR · Dividend yield 2.9% · Net margin 4.1% · Return on equity 11.0% · Return on assets (EBIT) 1.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 39% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −24% fair-value upside, at −46%, MTWI screens richer than that median.
Fair Value models
Bear 124.02 IDRFair Value 146.77 IDRBull 263.14 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 (3.25 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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+421.2%
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.
+153.7%
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.
+73.6%
Start year 2020 (pandemic). Over 10 years: +40.5% a year
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.
+36.3%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in IDR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+81.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+79.0%
Dividend (yield on the price)2.9%
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.7% → 5%
2025 sits 62% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare Malacca Trust Wuwungan Insurance PT with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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.Insurance - Diversified · 83 stocks
Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score31 · Bottom 25%
Fair Value upside−44% · Bottom 25%
Profitability
Return on equity (TTM)11% · Below median
Return on assets1% · Below median
Net margin (TTM)2% · Bottom 25%
Operating margin (TTM)1% · Bottom 25%
Growth and dividend
Revenue growth58% · Top 25%
Dividend yield (TTM)2.9% · Below median
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
P/E (TTM)61.3× · Priciest 25%
P/B1.89× · Pricier than median
P/S (TTM)0.40× · Cheapest 25%
EV/EBITDA9.4× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 6
FUTURE (revenue growth)100· sector 31
PAST (return on equity)44· sector 49
HEALTH (low debt)0· sector 89
DIVIDEND (yield)59· sector 73
VALUE 0: the price sits above our fair-value range.
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.
Is Malacca Trust Wuwungan Insurance PT (MTWI) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 146.77 IDR versus a price of 272.00 IDR, about −46% upside (overvalued).
What is the fair value of MTWI?
Our model-based fair value for Malacca Trust Wuwungan Insurance PT is 146.77 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 272.00 IDR.
What is the quality score of MTWI?
Malacca Trust Wuwungan Insurance PT has a Quality Score of 37/100. 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
Our model-based price target is the fair value of 146.77 IDR (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 124.02 IDR, optimistic scenario 263.14 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Malacca Trust Wuwungan Insurance PT stock forecast for 2026?
Our models put fair value at 146.77 IDR, about −46% upside versus a price of 272.00 IDR (overvalued). Cautious scenario 124.02 IDR, optimistic scenario 263.14 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Malacca Trust Wuwungan Insurance PT (MTWI)?
Malacca Trust Wuwungan Insurance PT reported trailing-twelve-month revenue of about 1.9T IDR (latest available figure, as of Sep 24, 2026).
Does Malacca Trust Wuwungan Insurance PT pay a dividend?
Malacca Trust Wuwungan Insurance PT currently shows a dividend yield of about 2.95% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Malacca Trust Wuwungan Insurance PT (MTWI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Malacca Trust Wuwungan Insurance PT it is 146.77 IDR per share (as of Sep 24, 2026), against a price of 272.00 IDR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Malacca Trust Wuwungan Insurance PT stock overvalued or undervalued in 2026?
As of Sep 24, 2026, MTWI trades above its calculated fair value: price 272.00 IDR, fair value 146.77 IDR, a gap of about −46% (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 MTWI?
No. The price is what the market pays today (272.00 IDR); the fair value is what the company's own numbers justify (146.77 IDR). For Malacca Trust Wuwungan Insurance PT the two are 125.23 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Malacca Trust Wuwungan Insurance PT worth?
The market values Malacca Trust Wuwungan Insurance PT at about 795B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 272.00 IDR; our models calculate a fair value of 146.77 IDR per share.
What do the bullish and bearish scenarios say about MTWI?
Our models span a range for Malacca Trust Wuwungan Insurance PT: cautious scenario 124.02 IDR, base 146.77 IDR, optimistic 263.14 IDR per share (as of Sep 24, 2026, price 272.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MTWI?
Malacca Trust Wuwungan Insurance PT trades at a price-to-earnings ratio of 61.3 (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 146.77 IDR is built from several models across several years. Other multiples: P/B 1.9, P/S 0.4, EV/EBITDA 9.4.
How solid is the balance sheet of Malacca Trust Wuwungan Insurance PT (MTWI)?
Balance-sheet figures for Malacca Trust Wuwungan Insurance PT (as of Sep 24, 2026): return on equity 11.0%. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is MTWI from its 52-week high?
Malacca Trust Wuwungan Insurance PT trades at 272.00 IDR, about 39% below its 52-week high of 444.32 IDR and 13% above the low of 240.01 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 146.77 IDR is for.
Which stocks are comparable to Malacca Trust Wuwungan Insurance PT?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, 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 Malacca Trust Wuwungan Insurance PT stock attractive at the current price?
The data as of Sep 24, 2026: price 272.00 IDR, calculated fair value 146.77 IDR (−46%), Quality Score 37/100, from 6 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 MTWI calculated?
We run Malacca Trust Wuwungan Insurance PT through 6 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 146.77 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 13.0 % above its aggregate fair value. Malacca Trust Wuwungan Insurance 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The closing price on Sep 24, 2026 was 272.00 IDR. Our model-based fair value is 146.77 IDR, about −46% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Malacca Trust Wuwungan Insurance PT right now?
The price sits above even our optimistic bull case (263.14 IDR). The favourable scenario is already priced in. Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (124.02 IDR to 263.14 IDR) leaves room in how you read the outcome.
Key figures of Malacca Trust Wuwungan Insurance PT
How large is the market capitalisation of Malacca Trust Wuwungan Insurance PT (MTWI)?
The market capitalisation of Malacca Trust Wuwungan Insurance PT is 795B IDR (≈ $44.5M). 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The price-to-sales ratio of Malacca Trust Wuwungan Insurance PT is 2.53 (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 Malacca Trust Wuwungan Insurance PT (MTWI)?
Earnings per share at Malacca Trust Wuwungan Insurance PT are 4.44 IDR (price ÷ EPS = P/E 61.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Malacca Trust Wuwungan Insurance PT (MTWI)?
The dividend yield of Malacca Trust Wuwungan Insurance PT is 2.9% (payout 181%). 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The net margin of Malacca Trust Wuwungan Insurance PT is 4.1% (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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The return on equity (ROE) of Malacca Trust Wuwungan Insurance PT is 11.0% (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 Malacca Trust Wuwungan Insurance PT (MTWI)?
On an EBIT basis the return on assets of Malacca Trust Wuwungan Insurance PT is 1.9% (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 Malacca Trust Wuwungan Insurance PT (MTWI)?
The operating margin of Malacca Trust Wuwungan Insurance PT is 1.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Malacca Trust Wuwungan Insurance PT (MTWI)?
Revenue at Malacca Trust Wuwungan Insurance PT is growing +57.5% versus a year earlier (3y avg +154%). 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 Malacca Trust Wuwungan Insurance PT (MTWI)?
Earnings per share at Malacca Trust Wuwungan Insurance PT are growing −85.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Malacca Trust Wuwungan Insurance PT (MTWI) generate?
The free cash flow of Malacca Trust Wuwungan Insurance PT is −48.7B 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 Malacca Trust Wuwungan Insurance PT (MTWI) hold?
Malacca Trust Wuwungan Insurance PT holds more cash than debt, 135B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch Malacca Trust Wuwungan Insurance PT in the live analysis
One click puts Malacca Trust Wuwungan Insurance PT on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
