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Minna Padi Investama Tbk (PADI) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Minna Padi Investama Tbk IDR 4, price IDR 40, upside -89.9%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · ID · ISIN ID1000121908

MP Thin data Oct 4, 2026

Minna Padi Investama Tbk

PADI · JK

Stretched ValuationStrong overvaluation with only moderate quality.

Low debt
Quality 51/100
Mixed Growth (revenue 3y +139.4 %/yr in IDR)
Loss over the last twelve months · -34.1% net margin (TTM) · fiscal year 2025 5.3%
Fair value 4.03 IDR · Strongly overvalued (−89.9%)
Negative free cash flow
Trails peers (3/9)
Narrow moat 37/100
Thin data
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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 →

Price vs Fair Value

7,900 IDR 4.00 IDR Fair Value 4.03 IDR Apr 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 4, 2026.

How to read this chart

60‑month range 4.00 IDR – 7,900 IDR · fair‑value band 2.08 IDR – 6.15 IDR · the 40.00 IDR price screens above the 4.03 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 4, 2026.

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Company profile

PT Minna Padi Investama Sekuritas Tbk engages in the securities brokerage and underwriting activities in Indonesia. It offers brokerage services for equity and fixed income securities in primary and secondary markets; shares, warrants; mutual funds; and underwriting services for initial public offerings, right issues, and bonds.

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PT Minna Padi Investama Sekuritas Tbk engages in the securities brokerage and underwriting activities in Indonesia. It offers brokerage services for equity and fixed income securities in primary and secondary markets; shares, warrants; mutual funds; and underwriting services for initial public offerings, right issues, and bonds. The company was formerly known as PT Minna Padi Investama Tbk and changed its name to PT Minna Padi Investama Sekuritas Tbk in March 2017. PT Minna Padi Investama Sekuritas Tbk was founded in 1998 and is headquartered in Jakarta, Indonesia.

Stock analysis

Minna Padi Investama Tbk (PADI) currently trades at 40.00 IDR, while our model-based Fair Value estimate is 4.03 IDR, 89.9% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of 9.55 IDR per share, and 0 of the 7 models we run sit above the 40.00 IDR price.

Bear case: the Multiples group reads lowest at 1.74 IDR, and 7 of the 7 models stay below the price. Evidence for this calculation is low.

Scenario range: 2.08 IDR (bear) to 6.15 IDR (bull), the price of 40.00 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 51/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Minna Padi Investama Tbk reported revenue of 34.0B IDR in FY2025 versus −26.4B IDR in FY2021. Reported net income was 1.8B IDR in FY2025.

Key figures

Market cap 543B IDR (≈ $30.3M) · P/E ratio 88.3 · P/S ratio 4.70 · EPS (TTM) −1.27 IDR · Net margin 5.3% · Return on equity −10.3% · Return on assets (EBIT) −9.2% · Operating margin 129%.

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 80% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −90%, PADI screens richer than that median.

Fair Value models

Bear 2.08 IDR Fair Value 4.03 IDR Bull 6.15 IDR
Price 40.00 IDR · Upside -89.9%
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. 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.
Highest evidence
Owner Earnings 4.38 IDR 9.55 IDR 20.00 IDR 68
Residual Income 7.85 IDR 7.26 IDR 7.01 IDR 68
P/E Multiple 1.30 IDR 1.74 IDR 2.17 IDR 63
All 7 models by family
DCF Models
Owner Earnings 4.38 IDR 9.55 IDR 20.00 IDR 68
Earnings-Based
Graham-Dodd 0.9100 IDR 6.33 IDR 8.89 IDR 61
Lynch FV 3.27 IDR 4.68 IDR 6.08 IDR 59
Multiples
P/E Multiple 1.30 IDR 1.74 IDR 2.17 IDR 63
P/B Multiple 1.70 IDR 2.27 IDR 2.84 IDR 55
Asset-Based
NCAV (Graham) 5.81 IDR 7.79 IDR 11.63 IDR 54
Economic Profit
Residual Income 7.85 IDR 7.26 IDR 7.01 IDR 68

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Quality Score breakdown

Overall quality 51/100

Of which business quality 47 · Market factors (momentum, volatility) 19

Profitability 19
Margins and returns on capital today
Quality Growth 100
Are margins and returns improving?
Cashflow 1
Earnings quality: real cash, not paper profit
Fin. Strength 76
Balance sheet, leverage, solvency risk
Investment 91
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 9
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 30
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 49/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+1,016.2%
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.
+139.4%
Revenue growth 19 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.
+9.5%
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.
−405.1% (2019) → −482.6% (2024)

PADI screens overvalued: fair value 90% below the price. Compare with Morgan Stanley, a financial holding company, →

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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.Capital Markets · 457 stocks

Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside −89.9% · Bottom 25%
Profitability
Return on assets −8.3% · Bottom 25%
Net margin (TTM) −34.1% · Bottom 25%
Operating margin (TTM) 128.7% · Top 25%
Growth and dividend
Revenue growth 192.8% · Top 25%
Balance sheet
Debt / equity 0.04× · Below median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (TTM) 88.3× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 34
FUTURE (revenue growth)100 · sector 75
PAST (return on equity)0 · sector 32
HEALTH (low debt)98 · sector 95
DIVIDEND (yield)0 · sector 44

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $188.08 $314.07 +67%
The Goldman Sachs Group GS $900.36 $766.86 −15%
The Charles Schwab Corporation SCHW $97.74 $118.07 +21%
Interactive Brokers Group IBKR $89.24 $23.12 −74%
Robinhood Markets, Inc HOOD $116.22 $47.77 −59%
Macquarie Group MQG A$245.63 A$80.51 −67%
CITIC Securities Company 600030 ¥26.29 ¥18.35 −30%
Guotai Haitong Securities Co 601211 ¥17.21 ¥19.35 +12%
East Money Information Co 300059 ¥18.28 ¥4.94 −73%
Nomura Holdings NMR $9.91 $10.19 +3%

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Minna Padi Investama Tbk · Fair Value
4.03 IDR −90%Fair Value
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Cite: Fair Value Calculator (2026). "Minna Padi Investama Tbk Fair Value". https://www.fairvalue-calculator.com/stock/PADI

Frequently asked questions

Is Minna Padi Investama Tbk (PADI) overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of 4.03 IDR versus a price of 40.00 IDR, about −90% upside (overvalued).
What is the fair value of PADI?
Our model-based fair value for Minna Padi Investama Tbk is 4.03 IDR (as of Oct 4, 2026), built from audited fundamentals. The current price: 40.00 IDR.
What is the quality score of PADI?
Minna Padi Investama Tbk has a Quality Score of 51/100. 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 Minna Padi Investama Tbk (PADI)?
Our model-based price target is the fair value of 4.03 IDR (as of Oct 4, 2026) from 7 valuation models. Cautious scenario 2.08 IDR, optimistic scenario 6.15 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Minna Padi Investama Tbk stock forecast for 2026?
Our models put fair value at 4.03 IDR, about −90% upside versus a price of 40.00 IDR (overvalued). Cautious scenario 2.08 IDR, optimistic scenario 6.15 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Minna Padi Investama Tbk (PADI)?
Minna Padi Investama Tbk reported trailing-twelve-month revenue of about 45.3B IDR (latest available figure, as of Oct 4, 2026).
What is the intrinsic value of Minna Padi Investama Tbk (PADI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Minna Padi Investama Tbk it is 4.03 IDR per share (as of Oct 4, 2026), against a price of 40.00 IDR. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Minna Padi Investama Tbk stock overvalued or undervalued in 2026?
As of Oct 4, 2026, PADI trades above its calculated fair value: price 40.00 IDR, fair value 4.03 IDR, a gap of about −90% (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 PADI?
No. The price is what the market pays today (40.00 IDR); the fair value is what the company's own numbers justify (4.03 IDR). For Minna Padi Investama Tbk the two are 35.97 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Minna Padi Investama Tbk worth?
The market values Minna Padi Investama Tbk at about 543B IDR (market capitalisation, as of Oct 4, 2026). Per share that is 40.00 IDR; our models calculate a fair value of 4.03 IDR per share.
What do the bullish and bearish scenarios say about PADI?
Our models span a range for Minna Padi Investama Tbk: cautious scenario 2.08 IDR, base 4.03 IDR, optimistic 6.15 IDR per share (as of Oct 4, 2026, price 40.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PADI?
Minna Padi Investama Tbk trades at a price-to-earnings ratio of 88.3 (as of Oct 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 4.03 IDR is built from several models across several years.
How solid is the balance sheet of Minna Padi Investama Tbk (PADI)?
Balance-sheet figures for Minna Padi Investama Tbk (as of Oct 4, 2026): return on equity −10.3%, debt of 0.04 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is PADI from its 52-week high?
Minna Padi Investama Tbk trades at 40.00 IDR, about 80% below its 52-week high of 199.00 IDR and at the low of 40.00 IDR (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 4.03 IDR is for.
Which stocks are comparable to Minna Padi Investama Tbk?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers 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 Minna Padi Investama Tbk stock attractive at the current price?
The data as of Oct 4, 2026: price 40.00 IDR, calculated fair value 4.03 IDR (−90%), Quality Score 51/100, from 7 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 PADI calculated?
We run Minna Padi Investama Tbk through 7 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 4.03 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 15.0 % above its aggregate fair value. Minna Padi Investama Tbk 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 Minna Padi Investama Tbk (PADI)?
The closing price on Oct 2, 2026 was 40.00 IDR. Our model-based fair value is 4.03 IDR, about −90% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Minna Padi Investama Tbk right now?
The price sits above even our optimistic bull case (6.15 IDR). The favourable scenario is already priced in. The model range is unusually wide (2.08 IDR to 6.15 IDR). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.

Key figures of Minna Padi Investama Tbk

How large is the market capitalisation of Minna Padi Investama Tbk (PADI)?
The market capitalisation of Minna Padi Investama Tbk is 543B IDR (≈ $30.3M). 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 Minna Padi Investama Tbk (PADI)?
The price-to-sales ratio of Minna Padi Investama Tbk is 4.70 (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 Minna Padi Investama Tbk (PADI)?
Earnings per share at Minna Padi Investama Tbk are −1.27 IDR (price ÷ EPS = P/E 88.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Minna Padi Investama Tbk (PADI)?
The net margin of Minna Padi Investama Tbk is 5.3% (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 Minna Padi Investama Tbk (PADI)?
The return on equity (ROE) of Minna Padi Investama Tbk is −10.3% (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 Minna Padi Investama Tbk (PADI)?
On an EBIT basis the return on assets of Minna Padi Investama Tbk is −9.2% (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 Minna Padi Investama Tbk (PADI)?
The operating margin of Minna Padi Investama Tbk is 129% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Minna Padi Investama Tbk (PADI)?
Revenue at Minna Padi Investama Tbk is growing +193% versus a year earlier (3y avg +139%). 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 Minna Padi Investama Tbk (PADI)?
Earnings per share at Minna Padi Investama Tbk are growing +10.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Minna Padi Investama Tbk (PADI) generate?
The free cash flow of Minna Padi Investama Tbk is −1.7B 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 debt does Minna Padi Investama Tbk (PADI) carry?
The net debt of Minna Padi Investama Tbk is 257M 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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