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PT Victoria Insurance Tbk (VINS) Fair Value & Analysis

Financial Services · ID · Market cap 185B IDR

Price136.00 IDR
Fair Value110.15 IDR
Upside-19.0%
Quality95/100
Evidence: High Range 82.61 IDR – 137.69 IDR

Fair value as of: Jun 26, 2026

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Analysis

PT Victoria Insurance Tbk (VINS) currently trades at 136.00 IDR, while our model-based Fair Value estimate is 110.15 IDR — implying the stock looks roughly 19.0% overvalued today. We read business quality at 95/100 (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).

About the company

PT Victoria Insurance Tbk provides general insurance in Indonesia. The company operates through six segments: Property, Motor Vehicle, Marine Cargo, Personal Accidents, Health, and Others. It offers property, motor vehicle, personal accident, marine cargo, engineering, money, liability, and hull insurance. The company was formerly known as PT Asuransi Jenderal Centris and changed its name to PT Victoria Insurance Tbk in August 2010. The company was founded in 1978 and is headquartered in Jakarta Selatan, Indonesia. PT Victoria Insurance Tbk operates as a subsidiary of PT Victoria Investama Tbk.

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Frequently asked questions

Is PT Victoria Insurance Tbk (VINS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 110.15 IDR versus a price of 136.00 IDR — about −19% (overvalued). Model-based estimate, not financial advice.
What is the fair value of VINS?
Our 21-model fair value for PT Victoria Insurance Tbk is 110.15 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 136.00 IDR.
What is the quality score of VINS?
PT Victoria Insurance Tbk has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.