PT Paninvest Tbk (PNIN) Fair Value & Analysis
Financial Services · ID · Market cap 3.0T IDR
Fair value as of: Jul 13, 2026
From 6 valuation models · updated 28 days ago
Fair value updated Jul 13, 2026, revised from 1,490 IDR to 1,440 IDR (−3.4%) since Jun 26, 2026. Share price −2.1% over the past month.
Below-average quality, screening 101% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (1,080 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 Jul 13, 2026.
How to read this chart
60‑month range 650.00 IDR – 2,150 IDR · fair‑value band 1,080 IDR – 1,800 IDR · the 715.00 IDR price screens below the 1,440 IDR fair value. Dashed = 300-day average. As of Jul 13, 2026.
Analysis
PT Paninvest Tbk (PNIN) currently trades at 715.00 IDR, while our model-based Fair Value estimate is 1,440 IDR, implying the stock looks roughly 101.4% undervalued today. The Quality Score stands at 42/100 (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: medium), always confirm before acting.
Over the trailing twelve months, PT Paninvest Tbk generated revenue of 10.7T IDR at a net margin of 11.2%. Revenue grew 15.5% year over year. It earns a return on equity of 5.4%. The balance sheet holds a net cash position of 12.6T IDR. Fundamentals as of Jul 13, 2026
Our scenario range runs from 1,080 IDR (bear case) to 1,800 IDR (bull case); at 715.00 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 29% below its 52-week high and 12% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 1% fair-value upside, at 101%, PNIN 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 (4,258 IDR) versus Dividend Discount (2,651 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 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 36 · Market factors (momentum, volatility) 41
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 Paninvest Tbk provides banking and multi financing products and services in Indonesia. It operates through Life Insurance and Business Consulting Service; Banking and Multi-Finance; Trade and Services; and Tourist segments.
Full company description
PT Paninvest Tbk provides banking and multi financing products and services in Indonesia. It operates through Life Insurance and Business Consulting Service; Banking and Multi-Finance; Trade and Services; and Tourist segments. The company offers Sharia banking products and services; financing and mutual funds services; and death, whole life, annuity, endowment, endowment combine, universal life, unit-linked, personal accident, and health insurance products. It also provides business consulting, management, and general administration services; trading and services; and management consulting services in the field of archives. The company was formerly known as Pt Panin Insurance Tbk and changed its name to PT Paninvest Tbk in May 2014. PT Paninvest Tbk was founded in 1973 and is headquartered in Jakarta, Indonesia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Paninvest Tbk reported revenue of 9.5T IDR in FY2025 versus 2.9T IDR in FY2021, a compound +35.0%/yr. Reported net income was 937B IDR in FY2025, compounding +3.4%/yr from FY2021.
of which total revenue +8.5 pp · buybacks/dilution +0.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
Watch PNIN: get an alert when its fair value changes →
Peer Group
Insurance - Life · 95 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 - Life 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 - Life stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥38.72 | ¥70.87 | +83% |
| Ping An Insurance (Group) Company 601318 | ¥49.60 | ¥96.76 | +95% |
| AIA Group 1299 | HK$75.55 | HK$7.88 | -90% |
| Manulife Financial Corporation MFC | C$58.52 | C$45.13 | -23% |
| Great-West Lifeco Inc GWO | C$92.34 | C$59.64 | -35% |
| Life Insurance Corporation LICI | ₹438.30 | ₹590.43 | +35% |
| Fubon Financial Holding 2881 | 124.50 TWD | 115.05 TWD | -8% |
| Cathay Financial Holding 2882 | 94.00 TWD | 94.95 TWD | +1% |
| Samsung Life Insurance Co 032830 | 337,500 KRW | 166,710 KRW | -51% |
| China Pacific Insurance (Group) Co 601601 | ¥29.75 | ¥59.50 | +100% |
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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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