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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
The historical rank and industry rank for PT Pacific Strategic Financial Tbk's Peter Lynch Fair Value or its related term are showing as below:
ISX:APIC'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.84 Med: 4.75 Max: 17.82
Current: 9.01
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of PT Pacific Strategic Financial Tbk was 17.82. The lowest was 1.84. And the median was 4.75.
ISX:APIC's Price-to-Peter-Lynch-Fair-Value is ranked worse than 99.36% of 156
companies
in the Insurance industry
Industry Median: 0.845
vs ISX:APIC: 9.01
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
PT Pacific Strategic Financial Tbk (ISX:APIC) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of EBITDA per share over the past 5 years, which is 8.61 instead of 15 in this case.
PT Pacific Strategic Financial Tbk's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
710.00
/
78.83
=
9.01
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Pacific Strategic Financial Tbk Peter Lynch Fair Value Related Terms
PT Pacific Strategic Financial Tbk Peter Lynch Fair Value Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Pacific Strategic Financial Tbk Peter Lynch Fair Value Chart
ISX:APIC vs AFL, MET, PRU: Peter Lynch Fair Value Comparison
For the Insurance - Life subindustry, PT Pacific Strategic Financial Tbk's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PT Pacific Strategic Financial Tbk Price-to-Peter-Lynch-Fair-Value vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Pacific Strategic Financial Tbk's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where PT Pacific Strategic Financial Tbk's Price-to-Peter-Lynch-Fair-Value falls into.
PT Pacific Strategic Financial Tbk's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp9.16.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
** Please be aware that the 5-Year TTM EBITDA Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data adds up the quarterly data reported by the company within the most recent 12 months. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of Rp78.83 mean?
PT Pacific Strategic Financial Tbk (ISX:APIC) has a Peter Lynch Fair Value of Rp78.83 as of Jul. 23, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on PT Pacific Strategic Financial Tbk and its competitors. This is 1560% above median its historical median of 4.75. Over the past decade, PT Pacific Strategic Financial Tbk's Peter Lynch Fair Value has ranged from 1.84 to 17.82. According to the industry distribution chart, PT Pacific Strategic Financial Tbk ranks #155 out of 156 companies in the Insurance industry, placing it in the top 99.4%.
Is PT Pacific Strategic Financial Tbk's Peter Lynch Fair Value too high?
PT Pacific Strategic Financial Tbk's current Peter Lynch Fair Value of Rp78.83 is 1560% above median its 10-year median of 4.75. Over the past 10 years, this metric has ranged from a low of 1.84 to a high of 17.82. Based on the distribution chart, PT Pacific Strategic Financial Tbk ranks #155 out of 156 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PT Pacific Strategic Financial Tbk has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Pacific Strategic Financial Tbk's Peter Lynch Fair Value compare to AFL and MET?
According to the Insurance industry distribution chart, PT Pacific Strategic Financial Tbk ranks #155 out of 156 companies for Peter Lynch Fair Value. This places PT Pacific Strategic Financial Tbk in the lower half of its industry. The industry median Peter Lynch Fair Value is 0.85. Historically, PT Pacific Strategic Financial Tbk's own Peter Lynch Fair Value has ranged from 1.84 to 17.82 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for an Insurance company?
The median Peter Lynch Fair Value among Insurance companies is 0.85, based on 156 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on PT Pacific Strategic Financial Tbk and its competitors. For the Insurance industry, the median Peter Lynch Fair Value is 0.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Pacific Strategic Financial Tbk's current Peter Lynch Fair Value is Rp78.83, which is 1560% above median its own 10-year median of 4.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Pacific Strategic Financial Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Pacific Strategic Financial Tbk (ISX:APIC) is currently considered Possible Value Trap. The stock's GF Value™ is Rp1,068.28, compared to a current price of Rp710.00 — trading 33.5% below its estimated fair value. The current Peter Lynch Fair Value is Rp78.83, which is 1560% above median its 10-year median of 4.75. PT Pacific Strategic Financial Tbk's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For PT Pacific Strategic Financial Tbk (ISX:APIC), the current Peter Lynch Fair Value is Rp78.83 as of Jul. 23, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PT Pacific Strategic Financial Tbk (ISX:APIC) Overvalued in 2026?
Based on GuruFocus' analysis, PT Pacific Strategic Financial Tbk stock appears to be undervalued.
The current stock price of Rp710.00 is trading 33.5% below its estimated GF Value™ of Rp1,068.28.
GuruFocus considers PT Pacific Strategic Financial Tbk to be Possible Value Trap.
Key valuation signals for ISX:APIC:
Peter Lynch Fair Value: Rp78.83 (1560% above median its 10-year median of 4.75)
GF Value™: Rp1,068.28 vs. price of Rp710.00 (33.5% below fair value)
No single metric tells the full story. See the ISX:APIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Pacific Strategic Financial Tbk Business Description
PT Pacific Strategic Financial Tbk is an Indonesian company that carries out activities as an investment company and engages in capital investment through its subsidiaries. It runs its business in the field of investment on securities trading, investment managers, and financial management, as well as other financing institutions. The services provided by the company through its subsidiaries include investment management services for mutual funds and other investments; financial management services, as well as venture capital and consumer financing, and conventional and sharia life insurance services.
58GF Score
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