Wahana Ottomitra Multiartha (WOMF) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Wahana Ottomitra Multiartha IDR 532, price IDR 278, upside +91.5%, quality 41 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 179.22 IDR – 408.81 IDR · fair‑value band 399.22 IDR – 532.30 IDR · the 278.00 IDR price screens below the 532.30 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 Wahana Ottomitra Multiartha Tbk, together with its subsidiaries, engages in consumer financing activities in Indonesia. The company Provides investment financing and working capital financing services, such as finance lease, sale and leaseback, factoring, project financing, and infrastructure financing, and other financing services.
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PT Wahana Ottomitra Multiartha Tbk, together with its subsidiaries, engages in consumer financing activities in Indonesia. The company Provides investment financing and working capital financing services, such as finance lease, sale and leaseback, factoring, project financing, and infrastructure financing, and other financing services. It also offers financing services for new and used two-wheeled and four-wheeled motor vehicles. The company was founded in 1982 and is headquartered in Jakarta Utara, Indonesia. PT Wahana Ottomitra Multiartha Tbk operates as a subsidiary of PT Bank Maybank Indonesia Tbk.
Stock analysis
Wahana Ottomitra Multiartha (WOMF) currently trades at 278.00 IDR, while our model-based Fair Value estimate is 532.30 IDR, implying the stock looks roughly 47.8% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 884.90 IDR per share, and 8 of the 9 models we run sit above the 278.00 IDR price.
Bear case: the Earnings-Based group reads lowest at 260.83 IDR, and 1 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: 399.22 IDR (bear) to 532.30 IDR (bull), the price of 278.00 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 41/100 (below-average 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.
Wahana Ottomitra Multiartha reported revenue of 2.0T IDR in FY2025 versus 1.5T IDR in FY2021, a compound +7.8%/yr. Reported net income was 143B IDR in FY2025, compounding +6.7%/yr from FY2021.
Key figures
Market cap 968B IDR (≈ $54.1M) · P/E ratio 9.1 · P/S ratio 0.65 · EPS (TTM) 30.67 IDR · Dividend yield 4.4% · Net margin 7.2% · Return on equity 5.6% · Return on assets (EBIT) 4.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 45 out of 100 (low confidence).
What moves the price
The share trades about 15% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 91%, WOMF screens cheaper than that median.
Fair Value models
Bear 399.22 IDRFair Value 532.30 IDRBull 532.30 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 (13.50 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.21/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−2.6%
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.
+6.9%
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.
+1.1%
Start year 2020 (pandemic). Over 10 years: +5.7% a year
Revenue growth 23 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.
+12.0%
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What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+9.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.3%
Dividend (yield on the price)4.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5% vs 9%, slowing
Profit margin 2020 to 2025 ⓘ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.5% → 27%
Compare Wahana Ottomitra Multiartha with another stock
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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 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside+92% · Top 25%
Profitability
Return on equity (TTM)6% · Below median
Return on assets1% · Below median
Net margin (TTM)9% · Below median
Operating margin (TTM)14% · Below median
Growth and dividend
Revenue growth−5% · Bottom 25%
Dividend yield (TTM)4.4% · Above median
Balance sheet
Debt / equity2.53× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Wahana Ottomitra Multiartha (WOMF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 532.30 IDR versus a price of 278.00 IDR, about +91% upside (undervalued).
What is the fair value of WOMF?
Our model-based fair value for Wahana Ottomitra Multiartha is 532.30 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 278.00 IDR.
What is the quality score of WOMF?
Wahana Ottomitra Multiartha has a Quality Score of 41/100. 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 Wahana Ottomitra Multiartha (WOMF)?
Our model-based price target is the fair value of 532.30 IDR (as of Sep 24, 2026) from 9 valuation models. Cautious scenario 399.22 IDR, optimistic scenario 532.30 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Wahana Ottomitra Multiartha stock forecast for 2026?
Our models put fair value at 532.30 IDR, about +91% upside versus a price of 278.00 IDR (undervalued). Cautious scenario 399.22 IDR, optimistic scenario 532.30 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Wahana Ottomitra Multiartha (WOMF)?
Wahana Ottomitra Multiartha reported trailing-twelve-month revenue of about 1.1T IDR (latest available figure, as of Sep 24, 2026).
Does Wahana Ottomitra Multiartha pay a dividend?
Wahana Ottomitra Multiartha currently shows a dividend yield of about 4.42% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Wahana Ottomitra Multiartha (WOMF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Wahana Ottomitra Multiartha it is 532.30 IDR per share (as of Sep 24, 2026), against a price of 278.00 IDR. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Wahana Ottomitra Multiartha stock overvalued or undervalued in 2026?
As of Sep 24, 2026, WOMF trades below its calculated fair value: price 278.00 IDR, fair value 532.30 IDR, a gap of about +91% (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 WOMF?
No. The price is what the market pays today (278.00 IDR); the fair value is what the company's own numbers justify (532.30 IDR). For Wahana Ottomitra Multiartha the two are 254.30 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Wahana Ottomitra Multiartha worth?
The market values Wahana Ottomitra Multiartha at about 968B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 278.00 IDR; our models calculate a fair value of 532.30 IDR per share.
What do the bullish and bearish scenarios say about WOMF?
Our models span a range for Wahana Ottomitra Multiartha: cautious scenario 399.22 IDR, base 532.30 IDR, optimistic 532.30 IDR per share (as of Sep 24, 2026, price 278.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WOMF?
Wahana Ottomitra Multiartha trades at a price-to-earnings ratio of 9.1 (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 532.30 IDR is built from several models across several years. Other multiples: P/B 0.5, P/S 0.9, EV/EBITDA 8.9.
How solid is the balance sheet of Wahana Ottomitra Multiartha (WOMF)?
Balance-sheet figures for Wahana Ottomitra Multiartha (as of Sep 24, 2026): return on equity 5.6%, debt of 2.53 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is WOMF from its 52-week high?
Wahana Ottomitra Multiartha trades at 278.00 IDR, about 15% below its 52-week high of 328.79 IDR and 26% above the low of 220.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 532.30 IDR is for.
Which stocks are comparable to Wahana Ottomitra Multiartha?
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 Wahana Ottomitra Multiartha stock attractive at the current price?
The data as of Sep 24, 2026: price 278.00 IDR, calculated fair value 532.30 IDR (+91%), Quality Score 41/100, from 9 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 WOMF calculated?
We run Wahana Ottomitra Multiartha through 9 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 532.30 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 14.0 % above its aggregate fair value. Wahana Ottomitra Multiartha currently trades 91 % 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 Wahana Ottomitra Multiartha (WOMF)?
The closing price on Sep 24, 2026 was 278.00 IDR. Our model-based fair value is 532.30 IDR, about +91% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Wahana Ottomitra Multiartha right now?
The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (399.22 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 Wahana Ottomitra Multiartha
How large is the market capitalisation of Wahana Ottomitra Multiartha (WOMF)?
The market capitalisation of Wahana Ottomitra Multiartha is 968B IDR (≈ $54.1M). 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 Wahana Ottomitra Multiartha (WOMF)?
The price-to-sales ratio of Wahana Ottomitra Multiartha is 0.65 (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 Wahana Ottomitra Multiartha (WOMF)?
Earnings per share at Wahana Ottomitra Multiartha are 30.67 IDR (price ÷ EPS = P/E 9.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Wahana Ottomitra Multiartha (WOMF)?
The dividend yield of Wahana Ottomitra Multiartha is 4.4% (payout 40.0%). 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 Wahana Ottomitra Multiartha (WOMF)?
The net margin of Wahana Ottomitra Multiartha is 7.2% (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 Wahana Ottomitra Multiartha (WOMF)?
The return on equity (ROE) of Wahana Ottomitra Multiartha is 5.6% (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 Wahana Ottomitra Multiartha (WOMF)?
On an EBIT basis the return on assets of Wahana Ottomitra Multiartha is 4.9% (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 Wahana Ottomitra Multiartha (WOMF)?
The operating margin of Wahana Ottomitra Multiartha is 14.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Wahana Ottomitra Multiartha (WOMF)?
Revenue at Wahana Ottomitra Multiartha is growing −5.1% versus a year earlier (3y avg +6.9%). 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 Wahana Ottomitra Multiartha (WOMF)?
Earnings per share at Wahana Ottomitra Multiartha are growing −56.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Wahana Ottomitra Multiartha (WOMF) generate?
The free cash flow of Wahana Ottomitra Multiartha is −325B 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 Wahana Ottomitra Multiartha (WOMF) carry?
The net debt of Wahana Ottomitra Multiartha is 4.6T 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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