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Bank Woori Saudara Indonesia 1906 (SDRA) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Bank Woori Saudara Indonesia 1906 IDR 84, price IDR 206, upside -59.0%, quality 25 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? No
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Financial Services · ID · ISIN ID1000105307

BW Thin data Sep 24, 2026

Bank Woori Saudara Indonesia 1906

SDRA · JK

Weakest SetupStrongly overvalued and low quality.

!Fair value 84.40 IDR · Strongly overvalued (−59%)
!Quality 25/100
!Expensive Growth (revenue 5y +4.9 %/yr)
!Loss-making · -31.7% net margin (FY2025)
!Low debt · negative free cash flow
!Trails peers (1/9)
!Narrow moat 40/100
!Evidence only low, so the estimate is less certain
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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

781.50 IDR 200.00 IDR Fair Value 84.40 IDR Apr 2021 Sep 2026

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 200.00 IDR – 781.50 IDR · fair‑value band 49.20 IDR – 111.58 IDR · the 206.00 IDR price screens above the 84.40 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.

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Company profile

PT Bank Woori Saudara Indonesia 1906 Tbk provides various commercial banking products and services for individuals and businesses in Indonesia. It operates through six segments: Pensioner; Employee; Commercial; Treasury; Funding; and Others.

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PT Bank Woori Saudara Indonesia 1906 Tbk provides various commercial banking products and services for individuals and businesses in Indonesia. It operates through six segments: Pensioner; Employee; Commercial; Treasury; Funding; and Others. The company offers current and savings accounts; time and demand deposits; commercial, pension/retirement, employee general, mortgage, corporate, and car loans, as well as loans for micro, small, and medium enterprises; and bank guarantees. It also provides wealth management; treasury products comprising foreign exchange (forex), money market, fixed income, and update information services on currency exchange rates; and payment services through automatic teller machines and digital banking channels. In addition, the company offers remittance forex transfer and collection; fund transfer; bancassurance; international banking; export and import; safe deposit box; trade finance; Internet and mobile banking; state revenue; and electronic data capture services. Further, it invests in placements and securities. The company was founded in 1906 and is headquartered in Jakarta, Indonesia. PT Bank Woori Saudara Indonesia 1906 Tbk is a subsidiary of Woori Bank.

Stock analysis

Bank Woori Saudara Indonesia 1906 (SDRA) currently trades at 206.00 IDR, while our model-based Fair Value estimate is 84.40 IDR, implying the stock looks roughly 144.1% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of 484.08 IDR per share, and 1 of the 3 models we run sit above the 206.00 IDR price.

Bear case: the Dividend Discount group reads lowest at 88.52 IDR, and 2 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: 49.20 IDR (bear) to 111.58 IDR (bull), the price of 206.00 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 25/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Bank Woori Saudara Indonesia 1906 reported revenue of 3.4T IDR in FY2025 versus 2.7T IDR in FY2021, a compound +5.9%/yr. Reported net income was −1.1T IDR in FY2025.

Key figures

Market cap 3.0T IDR (≈ $169M) · P/S ratio 5.81 · EPS (TTM) −75.47 IDR · Dividend yield 3.7% · Net margin −31.7% · Return on equity −8.3% · Return on assets (EBIT) 1.0% · Operating margin 33.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 33% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −59%, SDRA screens richer than that median.

Fair Value models

Bear 49.20 IDR Fair Value 84.40 IDR Bull 111.58 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. 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.
Highest evidence
Gordon GGM 55.72 IDR 93.33 IDR 121.14 IDR 68
DDM Multi-Stage 55.72 IDR 88.52 IDR 100.41 IDR 67
NCAV (Graham) 361.25 IDR 484.08 IDR 722.50 IDR 54
All 3 models by family
Dividend Discount
Gordon GGM 55.72 IDR 93.33 IDR 121.14 IDR 68
DDM Multi-Stage 55.72 IDR 88.52 IDR 100.41 IDR 67
Asset-Based
NCAV (Graham) 361.25 IDR 484.08 IDR 722.50 IDR 54

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Quality Score breakdown

Overall quality 25/100

Of which business quality 26 · Market factors (momentum, volatility) 36

Profitability 3
Margins and returns on capital today
Quality Growth 13
Are margins and returns improving?
Cashflow 9
Earnings quality: real cash, not paper profit
Fin. Strength 57
Balance sheet, leverage, solvency risk
Investment 91
Disciplined investing over empire-building
Low Volatility 78
Calm price path (market factor)
Momentum 26
Price trend over the last 3–12 months (market factor)
52W Momentum 5
Distance to the 52-week high (market factor)
Net Issuance 0
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. 17/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−22.6%
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.
+0.9%
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.
+4.9%
Start year 2020 (pandemic). Over 10 years: +6.8% a year
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.
+17.3%
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.
26.2% (2020) → −31.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

SDRA screens 144% overvalued. Compare with DBS Group →

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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.Banks - Regional · 1076 stocks

Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 27 · Bottom 25%
Fair Value upside −59% · Bottom 25%
Profitability
Return on assets −2% · Bottom 25%
Net margin (TTM) −32% · Bottom 25%
Operating margin (TTM) 33% · Below median
Growth and dividend
Revenue growth −7% · Bottom 25%
Dividend yield (TTM) 3.7% · Above median
Balance sheet
Debt / equity 0.31× · Above median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)0 · sector 41
HEALTH (low debt)85 · sector 85
DIVIDEND (yield)75 · sector 53

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 Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Bank Woori Saudara Indonesia 1906 · Fair Value
84.40 IDR −144%Fair Value
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Cite: Fair Value Calculator (2026). "Bank Woori Saudara Indonesia 1906 Fair Value". https://www.fairvalue-calculator.com/stock/SDRA

Frequently asked questions

Is Bank Woori Saudara Indonesia 1906 (SDRA) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 84.40 IDR versus a price of 206.00 IDR, about −59% upside (overvalued).
What is the fair value of SDRA?
Our model-based fair value for Bank Woori Saudara Indonesia 1906 is 84.40 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 206.00 IDR.
What is the quality score of SDRA?
Bank Woori Saudara Indonesia 1906 has a Quality Score of 25/100. 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 Bank Woori Saudara Indonesia 1906 (SDRA)?
Our model-based price target is the fair value of 84.40 IDR (as of Sep 24, 2026) from 3 valuation models. Cautious scenario 49.20 IDR, optimistic scenario 111.58 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Woori Saudara Indonesia 1906 stock forecast for 2026?
Our models put fair value at 84.40 IDR, about −59% upside versus a price of 206.00 IDR (overvalued). Cautious scenario 49.20 IDR, optimistic scenario 111.58 IDR. The calculation is refreshed regularly with new filings.
Does Bank Woori Saudara Indonesia 1906 pay a dividend?
Bank Woori Saudara Indonesia 1906 currently shows a dividend yield of about 3.74% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Bank Woori Saudara Indonesia 1906 (SDRA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Woori Saudara Indonesia 1906 it is 84.40 IDR per share (as of Sep 24, 2026), against a price of 206.00 IDR. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Bank Woori Saudara Indonesia 1906 stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SDRA trades above its calculated fair value: price 206.00 IDR, fair value 84.40 IDR, a gap of about −59% (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 SDRA?
No. The price is what the market pays today (206.00 IDR); the fair value is what the company's own numbers justify (84.40 IDR). For Bank Woori Saudara Indonesia 1906 the two are 121.60 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Woori Saudara Indonesia 1906 worth?
The market values Bank Woori Saudara Indonesia 1906 at about 3.0T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 206.00 IDR; our models calculate a fair value of 84.40 IDR per share.
What do the bullish and bearish scenarios say about SDRA?
Our models span a range for Bank Woori Saudara Indonesia 1906: cautious scenario 49.20 IDR, base 84.40 IDR, optimistic 111.58 IDR per share (as of Sep 24, 2026, price 206.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Bank Woori Saudara Indonesia 1906 (SDRA)?
Balance-sheet figures for Bank Woori Saudara Indonesia 1906 (as of Sep 24, 2026): return on equity −8.3%, debt of 0.31 per unit of equity. They feed the Quality Score of 25/100, which measures business quality independently of the share price.
How far is SDRA from its 52-week high?
Bank Woori Saudara Indonesia 1906 trades at 206.00 IDR, about 33% below its 52-week high of 306.00 IDR and 3% above the low of 200.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 84.40 IDR is for.
Which stocks are comparable to Bank Woori Saudara Indonesia 1906?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Bank Woori Saudara Indonesia 1906 stock attractive at the current price?
The data as of Sep 24, 2026: price 206.00 IDR, calculated fair value 84.40 IDR (−59%), Quality Score 25/100, from 3 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 SDRA calculated?
We run Bank Woori Saudara Indonesia 1906 through 3 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 84.40 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. Bank Woori Saudara Indonesia 1906 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 Bank Woori Saudara Indonesia 1906 (SDRA)?
The closing price on Sep 24, 2026 was 206.00 IDR. Our model-based fair value is 84.40 IDR, about −59% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Woori Saudara Indonesia 1906 right now?
The price sits above even our optimistic bull case (111.58 IDR). The favourable scenario is already priced in. Weak quality (25/100) 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 (49.20 IDR to 111.58 IDR) leaves room in how you read the outcome.
Where does the earnings growth of Bank Woori Saudara Indonesia 1906 (SDRA) come from?
Earnings per share at Bank Woori Saudara Indonesia 1906 grew +1.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.1 %, EBIT margin −2.3 %, tax rate +0.5 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank Woori Saudara Indonesia 1906

How large is the market capitalisation of Bank Woori Saudara Indonesia 1906 (SDRA)?
The market capitalisation of Bank Woori Saudara Indonesia 1906 is 3.0T IDR (≈ $169M). 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 Bank Woori Saudara Indonesia 1906 (SDRA)?
The price-to-sales ratio of Bank Woori Saudara Indonesia 1906 is 5.81 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Woori Saudara Indonesia 1906 (SDRA)?
Earnings per share at Bank Woori Saudara Indonesia 1906 are −75.47 IDR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Woori Saudara Indonesia 1906 (SDRA)?
The dividend yield of Bank Woori Saudara Indonesia 1906 is 3.7%. 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 Bank Woori Saudara Indonesia 1906 (SDRA)?
The net margin of Bank Woori Saudara Indonesia 1906 is −31.7% (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 Bank Woori Saudara Indonesia 1906 (SDRA)?
The return on equity (ROE) of Bank Woori Saudara Indonesia 1906 is −8.3% (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 Bank Woori Saudara Indonesia 1906 (SDRA)?
On an EBIT basis the return on assets of Bank Woori Saudara Indonesia 1906 is 1.0% (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 Bank Woori Saudara Indonesia 1906 (SDRA)?
The operating margin of Bank Woori Saudara Indonesia 1906 is 33.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Woori Saudara Indonesia 1906 (SDRA)?
Revenue at Bank Woori Saudara Indonesia 1906 is growing −6.9% versus a year earlier (3y avg +0.9%). 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 Bank Woori Saudara Indonesia 1906 (SDRA)?
Earnings per share at Bank Woori Saudara Indonesia 1906 are growing −30.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Woori Saudara Indonesia 1906 (SDRA) generate?
The free cash flow of Bank Woori Saudara Indonesia 1906 is −37.7B 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 Bank Woori Saudara Indonesia 1906 (SDRA) carry?
The net debt of Bank Woori Saudara Indonesia 1906 is 1.8T 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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