Pool Advista Finance Tbk PT (POLA) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Pool Advista Finance Tbk PT IDR 134, price IDR 75, upside +79.1%, quality 80 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 8.00 IDR – 292.00 IDR · fair‑value band 97.99 IDR – 174.08 IDR · the 75.00 IDR price screens below the 134.30 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
Pool Advista Finance Tbk PT (POLA) currently trades at 75.00 IDR, while our model-based Fair Value estimate is 134.30 IDR, implying the stock looks roughly 44.2% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 472.82 IDR per share, and 3 of the 10 models we run sit above the 75.00 IDR price.
Bear case: the Multiples group reads lowest at 14.40 IDR, and 7 of the 10 models stay below the price. Evidence for this calculation is low.
Scenario range: 97.99 IDR (bear) to 174.08 IDR (bull), the price of 75.00 IDR sits below 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 80/100 (high quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Pool Advista Finance Tbk PT 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.
Key figures
Market cap 251B IDR (≈ $14.0M) · P/E ratio 100.0 · P/S ratio 15.5 · EPS (TTM) 0.7500 IDR · Net margin 15.5% · Return on equity 1.2% · Return on assets (EBIT) −7.1% · Operating margin 24.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 127% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 79%, POLA screens cheaper than that median.
Fair Value models
Bear 97.99 IDRFair Value 134.30 IDRBull 174.08 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 (0.5507 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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+72.0%
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.
+23.1%
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.
−7.4%
Start year 2020 (pandemic). Over 10 years: +1.4% a year
Revenue growth 10 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.
+1.4%
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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.
61.3% (2018) → −215.0% (2024)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−20.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Indonesia: IMF forecast 2.6% a year to 2030, 2.9% from 2016 to 2025) that is about −22.5% a year for the price.
Compare Pool Advista Finance Tbk PT with another stock
Price, fair value, quality and upside side by side.
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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.Credit Services · 331 stocks
Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score80 · Top 25%
Fair Value upside+77% · Above median
Profitability
Return on equity (TTM)1% · Bottom 25%
Return on assets1% · Below median
Net margin (TTM)11% · Below median
Operating margin (TTM)24% · Below median
Growth and dividend
Revenue growth6% · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Pool Advista Finance Tbk PT (POLA) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 134.30 IDR versus a price of 75.00 IDR, about +79% upside (undervalued).
What is the fair value of POLA?
Our model-based fair value for Pool Advista Finance Tbk PT is 134.30 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 75.00 IDR.
What is the quality score of POLA?
Pool Advista Finance Tbk PT has a Quality Score of 80/100. 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 Pool Advista Finance Tbk PT (POLA)?
Our model-based price target is the fair value of 134.30 IDR (as of Sep 24, 2026) from 10 valuation models. Cautious scenario 97.99 IDR, optimistic scenario 174.08 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Pool Advista Finance Tbk PT stock forecast for 2026?
Our models put fair value at 134.30 IDR, about +79% upside versus a price of 75.00 IDR (undervalued). Cautious scenario 97.99 IDR, optimistic scenario 174.08 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Pool Advista Finance Tbk PT (POLA)?
Pool Advista Finance Tbk PT reported trailing-twelve-month revenue of about 23.6B IDR (latest available figure, as of Sep 24, 2026).
What growth is priced into Pool Advista Finance Tbk PT (POLA)?
For today's price to be fair in a discounted-cash-flow model, Pool Advista Finance Tbk PT would have to grow free cash flow by -20.5 % per year for five years (discount rate 11.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -7.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of POLA use?
Our models discount Pool Advista Finance Tbk PT at 11.3 %: a base by market capitalisation (nano), damped by beta 0.78, country premium for Indonesia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Pool Advista Finance Tbk PT that is -20.5 % per year a year over ten years, using the same discount rate (11.3 %) and the same formula as our fair value.
How much growth has Pool Advista Finance Tbk PT (POLA) delivered so far?
Over the past 5 years revenue at Pool Advista Finance Tbk PT grew -7.4 % a year. The price currently implies -20.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Pool Advista Finance Tbk PT (POLA) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Pool Advista Finance Tbk PT (-20.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Pool Advista Finance Tbk PT (POLA)?
The free-cash-flow yield on the price is 21.15 %: that much free cash flow Pool Advista Finance Tbk PT produces per unit of market value. When it exceeds the discount rate of our models (11.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Pool Advista Finance Tbk PT (POLA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pool Advista Finance Tbk PT it is 134.30 IDR per share (as of Sep 24, 2026), against a price of 75.00 IDR. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Pool Advista Finance Tbk PT stock overvalued or undervalued in 2026?
As of Sep 24, 2026, POLA trades below its calculated fair value: price 75.00 IDR, fair value 134.30 IDR, a gap of about +79% (undervalued). 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 POLA?
No. The price is what the market pays today (75.00 IDR); the fair value is what the company's own numbers justify (134.30 IDR). For Pool Advista Finance Tbk PT the two are 59.30 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Pool Advista Finance Tbk PT worth?
The market values Pool Advista Finance Tbk PT at about 251B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 75.00 IDR; our models calculate a fair value of 134.30 IDR per share.
What do the bullish and bearish scenarios say about POLA?
Our models span a range for Pool Advista Finance Tbk PT: cautious scenario 97.99 IDR, base 134.30 IDR, optimistic 174.08 IDR per share (as of Sep 24, 2026, price 75.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of POLA?
Pool Advista Finance Tbk PT trades at a price-to-earnings ratio of 100.0 (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 134.30 IDR is built from several models across several years. Other multiples: P/B 1.2, P/S 10.8, EV/EBITDA 37.2.
How solid is the balance sheet of Pool Advista Finance Tbk PT (POLA)?
Balance-sheet figures for Pool Advista Finance Tbk PT (as of Sep 24, 2026): return on equity 1.2%. They feed the Quality Score of 80/100, which measures business quality independently of the share price.
How far is POLA from its 52-week high?
Pool Advista Finance Tbk PT trades at 75.00 IDR, about 35% below its 52-week high of 115.00 IDR and 127% above the low of 33.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 134.30 IDR is for.
Which stocks are comparable to Pool Advista Finance Tbk PT?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Pool Advista Finance Tbk PT stock attractive at the current price?
The data as of Sep 24, 2026: price 75.00 IDR, calculated fair value 134.30 IDR (+79%), Quality Score 80/100, from 10 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 POLA calculated?
We run Pool Advista Finance Tbk PT through 10 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 134.30 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. Pool Advista Finance Tbk PT currently trades 79 % below its own fair value, and the market average says nothing about that. 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 Pool Advista Finance Tbk PT (POLA)?
The closing price on Sep 24, 2026 was 75.00 IDR. Our model-based fair value is 134.30 IDR, about +79% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pool Advista Finance Tbk PT right now?
The rarer combination: high quality (80/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (97.99 IDR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Pool Advista Finance Tbk PT
How large is the market capitalisation of Pool Advista Finance Tbk PT (POLA)?
The market capitalisation of Pool Advista Finance Tbk PT is 251B IDR (≈ $14.0M). 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 Pool Advista Finance Tbk PT (POLA)?
The price-to-sales ratio of Pool Advista Finance Tbk PT is 15.5 (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 Pool Advista Finance Tbk PT (POLA)?
Earnings per share at Pool Advista Finance Tbk PT are 0.7500 IDR (price ÷ EPS = P/E 100.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Pool Advista Finance Tbk PT (POLA)?
The net margin of Pool Advista Finance Tbk PT is 15.5% (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 Pool Advista Finance Tbk PT (POLA)?
The return on equity (ROE) of Pool Advista Finance Tbk PT is 1.2% (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 Pool Advista Finance Tbk PT (POLA)?
On an EBIT basis the return on assets of Pool Advista Finance Tbk PT is −7.1% (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 Pool Advista Finance Tbk PT (POLA)?
The operating margin of Pool Advista Finance Tbk PT is 24.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pool Advista Finance Tbk PT (POLA)?
Revenue at Pool Advista Finance Tbk PT is growing +6.2% versus a year earlier (3y avg +23.1%). 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 Pool Advista Finance Tbk PT (POLA)?
Earnings per share at Pool Advista Finance Tbk PT are growing −33.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Pool Advista Finance Tbk PT (POLA) hold?
Pool Advista Finance Tbk PT holds more cash than debt, 73.1B IDR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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