PT Asuransi Digital Bersama TBK (YOII) Fair Value & Analysis
Financial Services · ID · Market cap 298B IDR
Fair value as of: Jul 13, 2026
From 4 valuation models · updated 28 days ago
Share price −3.4% over the past month.
A solid business, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (19 months)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
19‑month range 69.00 IDR – 135.00 IDR · fair‑value band 60.83 IDR – 101.38 IDR · the 84.00 IDR price screens above the 81.11 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 13, 2026.
Analysis
PT Asuransi Digital Bersama TBK (YOII) currently trades at 84.00 IDR, while our model-based Fair Value estimate is 81.11 IDR, implying the stock looks roughly 3.4% fairly valued today. The Quality Score stands at 69/100 (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: medium).
Over the trailing twelve months, PT Asuransi Digital Bersama TBK generated revenue of 746B IDR at a net margin of 2.8%. Revenue grew 6.1% year over year. It earns a return on equity of 9.9%. Fundamentals as of Jul 13, 2026
Our scenario range runs from 60.83 IDR (bear case) to 101.38 IDR (bull case); at 84.00 IDR, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 42% below its 52-week high and 29% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at -3%, YOII screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples (68.94 IDR) versus Asset-Based (41.28 IDR). Highest evidence: P/E Multiple (63).
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Key figures & financial health
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 67 · Market factors (momentum, volatility) 20
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2023 – FY2025 · reported fiscal years
PT 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.
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Peer Group
Insurance - Diversified · 84 stocks
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.
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,844 MXN | +27% |
| Allianz SE ALV | €421.00 | €369.31 | -12% |
| Zurich Insurance Group ZURN | CHF 624.40 | CHF 619.80 | -1% |
| AXA SA AXAN | 888.28 MXN | 1,249 MXN | +41% |
| Assicurazioni Generali S.p.A G | €42.90 | €12.18 | -72% |
| Sun Life Financial Inc SLF | C$114.20 | C$87.83 | -23% |
| BB Seguridade Participações S.A BBSE3 | R$40.71 | R$60.39 | +48% |
| Tryg A/S TRYG | kr 154.00 | kr 116.45 | -24% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,625 IDR | 4,176 IDR | -80% |
| Caixa Seguridade Participações S.A CXSE3 | R$21.77 | R$18.60 | -15% |
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Frequently asked questions
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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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