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YOII.JK$90.00+4.65%
Fair $90.00+0.0%

YOII.JK

PT Asuransi Digital Bersama TBK

Financial Services / Insurance - DiversifiedJakartaID

$90.00

+4.00 (+4.65%)

Fairly Valued+0.0%Fair Value $90.00Fund rank 31/100 · Data gapFallback financials|
SA 24/D
F-Score: 5/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 26.0/100

Data gap 31/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 31/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

24/100

D

Piotroski

5/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

12/100

SEC 0%

Latest source: eodhdPeriods: 3Warnings: 0eodhd: 3
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · YOII.JKLocal privado en este navegador · PT Asuransi Digital Bersama TBK
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$308.2B

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

6.6%

↑

Gross Margin

N/A

•

Debt/Equity

0.00

↓
52-Week Range$90
$65$145

TradingView lightweight chart

YOII.JK price, volumen y niveles de valoración

Último $90.00Periodo -33.3%
Fair value: $90.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2023–2025 · 2 años de histórico normalizado

Revenue CAGR

+161.0%

FCF CAGR

—

FCF margin

3.3%

FCF / Net income

1.73x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $733.36B · net income $13.89B · FCF $24.03B

2023-FY → 2025-FY

Gross margin

—— pts

Operating margin

2.6%+38.9% pts

Net margin

1.9%+24.2% pts

FCF margin

3.3%+31.1% pts
MetricTTM
2025
2024
2023
Income Statement
Revenue$733.36B$733.36B$325.90B$107.64B
Net Income$13.89B$13.89B$19.05B$-24.06B
EPS4.064.065.56-7.02
Operating Margin2.6%2.6%1.5%-36.3%
Net Margin1.9%1.9%5.8%-22.3%
Balance Sheet
Debt/Equity0.000.000.000.44
Cash Flow
Free Cash Flow$24.03B$24.03B$4.68B$-29.94B
Returns
ROE6.6%6.6%11.8%-22.9%
Growth & Yield
Revenue Growth125.0%125.0%202.8%—
EPS Growth-27.1%-27.1%179.2%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

25.3%

muy exigente

EPS terminal req.

$7.99

Spread vs growth

-52.4%

5Y implied EPS CAGR

19.0%

exigente

EPS terminal req.

$9.66

Spread vs growth

-46.0%

10Y implied EPS CAGR

14.4%

razonable

EPS terminal req.

$15.56

Spread vs growth

-41.5%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -4.3%

Total return

-4.3%

Start / end P/E

16.9x → 22.2x

EPS bridge

5.56 → 4.06

Residual

-8.5%

EPS growth-27.1%
Multiple rerating+31.3%
Dividend+0.0%
Residual / FX / buybacks / cross-term-8.5%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.