PT Sinar Mas Multiartha Tbk (SMMA) Fair Value & Analysis
Financial Services · ID · Market cap 131T IDR
Fair value as of: Jul 19, 2026
From 15 valuation models · updated yesterday
Fair value updated Jul 19, 2026, revised from 1,717 IDR to 4,176 IDR (+143.3%) since Jul 7, 2026. Share price −10.7% over the past month.
Price vs Fair Value (12 months)
12‑month range 12,200 IDR – 24,000 IDR · fair‑value band 3,132 IDR – 5,220 IDR · the 20,625 IDR price screens above the 4,176 IDR fair value. As of Jul 19, 2026.
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PT Sinar Mas Multiartha Tbk (SMMA) currently trades at 20,625 IDR, while our model-based Fair Value estimate is 4,176 IDR, implying the stock looks roughly 79.8% overvalued today. We read business quality at 58/100 (solid 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 Sinar Mas Multiartha Tbk generated revenue of 27.6T IDR at a net margin of 10.9%. Revenue grew 1.6% year over year. It earns a return on equity of 11.3%. Net debt stands at 10.7B IDR. Fundamentals as of Jul 19, 2026
Our scenario range runs from 3,132 IDR (bear case) to 5,220 IDR (bull case); at 20,625 IDR, the current price sits above that range. The share trades about 24% below its 52-week high and 79% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -5% fair-value upside, at -80%, SMMA screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 19, 2026. TTM = trailing twelve months.
About the company
PT Sinar Mas Multiartha Tbk provides various financial products and services to individual and corporate clients in Indonesia. The company engages in the banking, life insurance, loss insurance, multi finance, securities, technology based lending and borrowing service, venture capital, share register, money changer, workshop, property, information service, and trading and service businesses. Further, It is involved in the reinsurance, asset management, forestry, on-line insurance, commodity trading, data processing, and credit guarantor services, as well as operation of auction and pawnshop businesses, and real estate business. The company was formerly known as PT Internas Artha Finance Company and changed its name to PT Sinar Mas Multiartha Tbk in February 1995. The company was founded in 1982 and is headquartered in Jakarta, Indonesia.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
PT Sinar Mas Multiartha Tbk reported revenue of 36.6T IDR in FY2025 versus 36.0T IDR in FY2021, a compound +0.4%/yr. Reported net income was 2.0T IDR in FY2025, compounding +21.2%/yr from FY2021.
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10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRYN | €423.40 | €346.77 | -18% |
| Allianz SE ALV | €381.50 | €309.45 | -19% |
| Zurich Insurance Group ZURN | CHF 557.00 | CHF 526.58 | -5% |
| AXA SA AXAN | 795.49 MXN | 43.50 MXN | -95% |
| Assicurazioni Generali S.p.A ARZGY | $24.41 | $28.91 | +18% |
| Sun Life Financial Inc SLF | C$102.80 | C$89.03 | -13% |
| American International Group AIG | $76.53 | $99.27 | +30% |
| The Hartford Insurance Group H1IG34 | R$727.00 | R$1,310 | +80% |
| BB Seguridade Participações S.A BBSE3 | R$38.63 | R$58.14 | +51% |
| Tryg A/S TRYG | kr 150.80 | kr 109.55 | -27% |
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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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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.