Asuransi Digital Bersama Tbk (YOII) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Asuransi Digital Bersama Tbk IDR 40, price IDR 80, upside -50.5%, quality 69 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
21‑month range 69.00 IDR – 135.00 IDR · fair‑value band 39.29 IDR – 39.57 IDR · the 80.00 IDR price screens above the 39.57 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 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.
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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 Asuransi Digital Bersama TBK was founded in 1987 and is headquartered in Jakarta Pusat, Indonesia.
Stock analysis
Asuransi Digital Bersama Tbk (YOII) currently trades at 80.00 IDR, while our model-based Fair Value estimate is 39.57 IDR, implying the stock looks roughly 102.2% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 45.98 IDR per share, and 0 of the 4 models we run sit above the 80.00 IDR price.
Bear case: the Asset-Based group reads lowest at 36.00 IDR, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 39.29 IDR (bear) to 39.57 IDR (bull), the price of 80.00 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 69/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Asuransi Digital Bersama Tbk reported revenue of 733B IDR in FY2025 versus 108B IDR in FY2023, a compound +161.0%/yr. Reported net income was 13.9B IDR in FY2025.
Key figures
Market cap 326B IDR (≈ $18.2M) · P/S ratio 0.46 · Net margin 1.9% · Return on equity 6.1% · Return on assets (EBIT) −2.7% · Operating margin 2.6% · Revenue (TTM) 702B IDR · Revenue growth (YoY) −23.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 38% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −24% fair-value upside, at −51%, YOII screens richer than that median.
Fair Value models
Bear 39.29 IDRFair Value 39.57 IDRBull 39.57 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.
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.85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
Compare Asuransi Digital Bersama Tbk with another stock
Price, fair value, quality and upside side by side.
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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.Insurance - Diversified · 83 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside−51% · Bottom 25%
Profitability
Return on equity (TTM)6% · Below median
Return on assets4% · Above median
Net margin (TTM)2% · Bottom 25%
Operating margin (TTM)3% · Bottom 25%
Growth and dividend
Revenue growth−23% · Bottom 25%
Balance sheet
Debt / equity0.21× · Below median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 6
FUTURE (revenue growth)0· sector 32
PAST (return on equity)24· sector 49
HEALTH (low debt)89· sector 89
DIVIDEND (yield)0· sector 73
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Asuransi Digital Bersama Tbk Fair Value". https://www.fairvalue-calculator.com/stock/YOII
Frequently asked questions
Is Asuransi Digital Bersama Tbk (YOII) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 39.57 IDR versus a price of 80.00 IDR, about −51% upside (overvalued).
What is the fair value of YOII?
Our model-based fair value for Asuransi Digital Bersama Tbk is 39.57 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 80.00 IDR.
What is the quality score of YOII?
Asuransi Digital Bersama Tbk has a Quality Score of 69/100. 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 Asuransi Digital Bersama Tbk (YOII)?
Our model-based price target is the fair value of 39.57 IDR (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 39.29 IDR, optimistic scenario 39.57 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Asuransi Digital Bersama Tbk stock forecast for 2026?
Our models put fair value at 39.57 IDR, about −51% upside versus a price of 80.00 IDR (overvalued). Cautious scenario 39.29 IDR, optimistic scenario 39.57 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Asuransi Digital Bersama Tbk (YOII)?
Asuransi Digital Bersama Tbk reported trailing-twelve-month revenue of about 702B IDR (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Asuransi Digital Bersama Tbk (YOII)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Asuransi Digital Bersama Tbk it is 39.57 IDR per share (as of Sep 24, 2026), against a price of 80.00 IDR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Asuransi Digital Bersama Tbk stock overvalued or undervalued in 2026?
As of Sep 24, 2026, YOII trades above its calculated fair value: price 80.00 IDR, fair value 39.57 IDR, a gap of about −51% (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 YOII?
No. The price is what the market pays today (80.00 IDR); the fair value is what the company's own numbers justify (39.57 IDR). For Asuransi Digital Bersama Tbk the two are 40.43 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Asuransi Digital Bersama Tbk worth?
The market values Asuransi Digital Bersama Tbk at about 326B IDR (market capitalisation, as of Sep 24, 2026). Per share that is 80.00 IDR; our models calculate a fair value of 39.57 IDR per share.
What do the bullish and bearish scenarios say about YOII?
Our models span a range for Asuransi Digital Bersama Tbk: cautious scenario 39.29 IDR, base 39.57 IDR, optimistic 39.57 IDR per share (as of Sep 24, 2026, price 80.00 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Asuransi Digital Bersama Tbk (YOII)?
Balance-sheet figures for Asuransi Digital Bersama Tbk (as of Sep 24, 2026): return on equity 6.1%, debt of 0.21 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is YOII from its 52-week high?
Asuransi Digital Bersama Tbk trades at 80.00 IDR, about 38% below its 52-week high of 130.00 IDR and 16% above the low of 69.00 IDR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 39.57 IDR is for.
Which stocks are comparable to Asuransi Digital Bersama Tbk?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, 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 Asuransi Digital Bersama Tbk stock attractive at the current price?
The data as of Sep 24, 2026: price 80.00 IDR, calculated fair value 39.57 IDR (−51%), Quality Score 69/100, from 4 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 YOII calculated?
We run Asuransi Digital Bersama Tbk through 4 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 39.57 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. Asuransi Digital Bersama Tbk 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 Asuransi Digital Bersama Tbk (YOII)?
The closing price on Sep 24, 2026 was 80.00 IDR. Our model-based fair value is 39.57 IDR, about −51% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Asuransi Digital Bersama Tbk right now?
The price sits above even our optimistic bull case (39.57 IDR). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (69/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band (39.29 IDR to 39.57 IDR), unusually little disagreement for a valuation.
Key figures of Asuransi Digital Bersama Tbk
How large is the market capitalisation of Asuransi Digital Bersama Tbk (YOII)?
The market capitalisation of Asuransi Digital Bersama Tbk is 326B IDR (≈ $18.2M). 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 Asuransi Digital Bersama Tbk (YOII)?
The price-to-sales ratio of Asuransi Digital Bersama Tbk is 0.46 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Asuransi Digital Bersama Tbk (YOII)?
The net margin of Asuransi Digital Bersama Tbk is 1.9% (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 Asuransi Digital Bersama Tbk (YOII)?
The return on equity (ROE) of Asuransi Digital Bersama Tbk is 6.1% (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 Asuransi Digital Bersama Tbk (YOII)?
On an EBIT basis the return on assets of Asuransi Digital Bersama Tbk is −2.7% (avg 3y). 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 Asuransi Digital Bersama Tbk (YOII)?
The operating margin of Asuransi Digital Bersama Tbk is 2.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Asuransi Digital Bersama Tbk (YOII)?
Revenue at Asuransi Digital Bersama Tbk is growing −23.0% versus a year earlier. 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 Asuransi Digital Bersama Tbk (YOII)?
Earnings per share at Asuransi Digital Bersama Tbk are growing −65.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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