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PT Adira Dinamika Multi Finance Tbk has a Cash Ratio of 0.09. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
PT Adira Dinamika Multi Finance Tbk Cash Ratio Related Terms
PT Adira Dinamika Multi Finance Tbk Cash Ratio 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 Adira Dinamika Multi Finance Tbk Cash Ratio Chart
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Cash Ratio, along with its competitors' market caps and Cash Ratio 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 Adira Dinamika Multi Finance Tbk Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Cash Ratio distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Cash Ratio falls into.
* 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 Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a Cash Ratio of 0.09 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 36% below median its historical median of 0.14. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Cash Ratio has ranged from 0.07 to 0.41. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #324 out of 389 companies in the Credit Services industry, placing it in the top 83.3%.
Is PT Adira Dinamika Multi Finance Tbk's Cash Ratio too high?
PT Adira Dinamika Multi Finance Tbk's current Cash Ratio of 0.09 is 36% below median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.41. The Credit Services industry median Cash Ratio is 0.56. PT Adira Dinamika Multi Finance Tbk's value of 0.09 is 83.9% below this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #324 out of 389 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PT Adira Dinamika Multi Finance Tbk has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Adira Dinamika Multi Finance Tbk's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #324 out of 389 companies for Cash Ratio. This places PT Adira Dinamika Multi Finance Tbk in the lower half of its industry. The industry median Cash Ratio is 0.56. PT Adira Dinamika Multi Finance Tbk's value of 0.09 is 83.9% below this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own Cash Ratio has ranged from 0.07 to 0.41 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.56, PT Adira Dinamika Multi Finance Tbk has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.56, based on 389 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Adira Dinamika Multi Finance Tbk's current Cash Ratio of 0.09 is 83.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median Cash Ratio is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Adira Dinamika Multi Finance Tbk's current Cash Ratio is 0.09, which is 36% below median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Adira Dinamika Multi Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp10,832.04, compared to a current price of Rp8,725.00 — trading 19.5% below its estimated fair value. The current Cash Ratio is 0.09, which is 36% below median its 10-year median of 0.14 and 83.9% below the Credit Services industry median of 0.56. PT Adira Dinamika Multi Finance Tbk's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Cash Ratio is 0.09 as of Jun. 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 Adira Dinamika Multi Finance Tbk (ISX:ADMF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Adira Dinamika Multi Finance Tbk stock appears to be undervalued.
The current stock price of Rp8,725.00 is trading 19.5% below its estimated GF Value™ of Rp10,832.04.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:ADMF:
Cash Ratio: 0.09 (36% below median its 10-year median of 0.14)
GF Value™: Rp10,832.04 vs. price of Rp8,725.00 (19.5% below fair value)
Industry Position: 83.9% below the Credit Services median (#324 of 389)
No single metric tells the full story. See the ISX:ADMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressJalan Jenderal Sudirman Kav. 25, 53rd, 56th - 61st Floor, Millenium Centennial Center, Karet, Setiabudi, DKI Jakarta, South Jakarta, Jakarta, IDN, 12920
PT Adira Dinamika Multi Finance Tbk is an Indonesian finance company. It generates revenue by offering consumer financing services for used or new cars, motorcycles, electronic goods, furniture, and other items. Besides conventional consumer financing, the company also offers business capital loan facilities for financing micro, small, and medium enterprises (MSMEs), and Islamic consumer financing, finance leasing, and operating leasing for automobiles. The company's operating segments include consumer financing for Motorcycles, Cars, and Durable goods and other items. Maximum revenue is derived from the Motorcycles segment. Geographically, the company operates across different regions in Indonesia.
72GF Score
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