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PT Asuransi Digital Bersama TBK (YOII) Fair Value & Analysis

Financial Services · ID · Market cap 240B IDR

Price93.00 IDR
Fair Value81.11 IDR
Upside-12.8%
Quality87/100
Evidence: Medium Range 60.83 IDR – 101.38 IDR

Fair value as of: Jun 26, 2026

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Analysis

PT Asuransi Digital Bersama TBK (YOII) currently trades at 93.00 IDR, while our model-based Fair Value estimate is 81.11 IDR — implying the stock looks roughly 12.8% overvalued today. We read business quality at 87/100 (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: medium).

About the company

PT Asuransi Digital Bersama TBK provides general insurance products and services in Indonesia. The company operates through Fire, Motor Vehicles, Marine Cargo, Credit Insurance, Engineering, Health and Personal Accident, and Others Segments. It also provides domestic travel insurance coverage for insurance products that offer protection to the insured against the risk of accidents or losses; international travel insurance coverage for the insured against the risks of accidents or losses; personal accident insurance; flight ticket cancellation insurance; motor vehicle insurance that offer assurance for damages and losses related to personal vehicle; cargo insurance for maritime dangers and transportation accidents; property insurance, including fire, lightning, nuclear explosions, aircraft collisions, riots, earthquakes, volcanic eruptions, storms, floods, spontaneous combustion, short circuits, and landslides; cash in safe insurance; and cash in transit insurance services. PT Asuran…

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Frequently asked questions

Is PT Asuransi Digital Bersama TBK (YOII) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 81.11 IDR versus a price of 93.00 IDR — about −13% (overvalued). Model-based estimate, not financial advice.
What is the fair value of YOII?
Our 21-model fair value for PT Asuransi Digital Bersama TBK is 81.11 IDR (as of Jun 26, 2026), built from audited fundamentals. The current price is 93.00 IDR.
What is the quality score of YOII?
PT Asuransi Digital Bersama TBK has a Quality Score of 87/100, 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.