PT Pool Advista Finance Tbk (POLA) Fair Value & Analysis
Financial Services · ID · Market cap 198B IDR
Fair value as of: Jul 16, 2026
From 10 valuation models · updated 25 days ago
Fair value updated Jul 16, 2026, revised from 44.45 IDR to 44.35 IDR (−0.2%) since Jun 26, 2026. Share price −3.3% over the past month.
A strong business, but screening 25% overvalued on our models.
What matters now
- A high-quality business (quality 80/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
- The price sits above even our optimistic bull case (44.35 IDR). The favourable scenario is already priced in.
- 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 16, 2026.
How to read this chart
60‑month range 8.00 IDR – 292.00 IDR · the 59.00 IDR price screens above the 44.35 IDR fair value. Dashed = 300-day average. As of Jul 16, 2026.
Analysis
PT Pool Advista Finance Tbk (POLA) currently trades at 59.00 IDR, while our model-based Fair Value estimate is 44.35 IDR, implying the stock looks roughly 24.8% overvalued today. The Quality Score stands at 80/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, PT Pool Advista Finance Tbk generated revenue of 23.6B IDR at a net margin of 10.8%. Revenue grew 6.2% year over year. It earns a return on equity of 1.2%. The balance sheet holds a net cash position of 73.1B IDR. Fundamentals as of Jul 16, 2026
The share trades about 49% below its 52-week high and 293% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -25%, POLA 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 10 models by family
Widest divergence: Growth DCF (520.18 IDR) versus Multiples (14.40 IDR). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 80 · Market factors (momentum, volatility) 49
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 Pool Advista Finance Tbk operates as a financing company in Indonesia. The company offers working capital, multipurpose, investment financing, sharia, and other financing. The company was formerly known as PT Indojasa Pratama Finance and changed its name to PT Pool Advista Finance Tbk in November 2017.
Full company description
PT Pool Advista Finance Tbk operates as a financing company in Indonesia. The company offers working capital, multipurpose, investment financing, sharia, and other financing. The company was formerly known as PT Indojasa Pratama Finance and changed its name to PT Pool Advista Finance Tbk in November 2017. PT Pool Advista Finance Tbk was founded in 2001 and is headquartered in Jakarta Selatan, Indonesia. PT Pool Advista Finance Tbk operates as a subsidiary of PT Pool Advista Indonesia Tbk.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Pool Advista Finance Tbk reported revenue of 23.9B IDR in FY2025 versus 9.4B IDR in FY2021, a compound +26.1%/yr. Reported net income was 3.7B IDR in FY2025.
POLA screens 25% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 331 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 Credit Services 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.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
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 Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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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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