PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) Cyclically Adjusted PS Ratio: 0.94 (As of Jul. 20, 2026) — 18% Below Median

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ISX:ADMF PT Adira Dinamika Multi Finance Tbk ISX:ADMF
69 GF Score
Price Rp8,300.00
GF Value Rp11,786.21
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is PT Adira Dinamika Multi Finance Tbk Cyclically Adjusted PS Ratio?

PT Adira Dinamika Multi Finance Tbk ISX:ADMF -0.30% 69 Cyclically Adjusted PS Ratio is 0.94 as of Jul. 20, 2026, which is 18% below its 10-year median of 1.15. GuruFocus rates ISX:ADMF with a GF Score™ of 69/100 and a GF Value™ of Rp11,786.21 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 420 Credit Services companies, PT Adira Dinamika Multi Finance Tbk ranks better than 80.48% on this metric.

As of today (2026-07-20), PT Adira Dinamika Multi Finance Tbk's current share price is Rp8300.00. PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was Rp8,862.36. PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio for today is 0.94.

The historical rank and industry rank for PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio or its related term are showing as below:

ISX:ADMF' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.9   Med: 1.15   Max: 1.7
Current: 0.94

During the past years, PT Adira Dinamika Multi Finance Tbk's highest Cyclically Adjusted PS Ratio was 1.70. The lowest was 0.90. And the median was 1.15.

ISX:ADMF's Cyclically Adjusted PS Ratio is ranked better than
80.48% of 420 companies
in the Credit Services industry
Industry Median: 3.1 vs ISX:ADMF: 0.94

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

PT Adira Dinamika Multi Finance Tbk's adjusted revenue per share data for the three months ended in Mar. 2026 was Rp2,150.151. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is Rp8,862.36 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


PT Adira Dinamika Multi Finance Tbk  (ISX:ADMF) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


PT Adira Dinamika Multi Finance Tbk Cyclically Adjusted PS Ratio Related Terms


PT Adira Dinamika Multi Finance Tbk Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio can be seen below:

* 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 Cyclically Adjusted PS Ratio Chart

PT Adira Dinamika Multi Finance Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 1.10 1.31 1.16 0.98

PT Adira Dinamika Multi Finance Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.08 1.04 1.05 0.98 0.95

ISX:ADMF vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison

For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio falls into.


ISX:ADMF
69GF Score
PT Adira Dinamika Multi Finance Tbk ISX:ADMF
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Adira Dinamika Multi Finance Tbk Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=8300.00/8862.36
=0.94

* 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's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, PT Adira Dinamika Multi Finance Tbk's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2150.151/136.5387*136.5387
=2,150.151

Current CPI (Mar. 2026) = 136.5387.

PT Adira Dinamika Multi Finance Tbk Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1,571.002 103.212 2,078.266
201609 1,641.554 104.142 2,152.204
201612 1,689.861 105.222 2,192.808
201703 1,725.813 106.476 2,213.085
201706 1,790.829 107.722 2,269.904
201709 1,882.379 108.020 2,379.343
201712 1,933.047 109.017 2,421.053
201803 2,003.016 110.097 2,484.086
201806 2,049.388 111.085 2,518.986
201809 2,127.301 111.135 2,613.580
201812 2,186.694 112.430 2,655.596
201903 2,224.627 112.829 2,692.118
201906 2,273.763 114.730 2,705.971
201909 2,333.502 114.905 2,772.851
201912 2,350.980 115.486 2,779.558
202003 2,329.700 116.252 2,736.240
202006 1,867.743 116.630 2,186.570
202009 1,876.177 116.397 2,200.844
202012 1,695.518 117.318 1,973.300
202103 1,634.127 117.840 1,893.431
202106 1,699.893 118.184 1,963.898
202109 1,666.755 118.262 1,924.347
202112 1,657.501 119.516 1,893.578
202203 1,648.968 120.948 1,861.524
202206 1,636.510 123.322 1,811.893
202209 1,646.002 125.298 1,793.662
202212 1,676.437 126.098 1,815.247
202303 1,806.004 126.953 1,942.376
202306 1,904.130 127.663 2,036.515
202309 1,956.583 128.151 2,084.638
202312 1,960.326 129.395 2,068.557
202403 1,998.907 130.607 2,089.690
202406 2,021.258 130.792 2,110.074
202409 1,977.629 130.361 2,071.349
202412 2,106.011 131.432 2,187.847
202503 2,000.107 131.948 2,069.688
202506 1,307.788 133.241 1,340.160
202509 1,915.963 133.819 1,954.902
202512 3,500.889 135.271 3,533.695
202603 2,150.151 136.539 2,150.151

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

What does a Cyclically Adjusted PS Ratio of 0.94 mean?
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a Cyclically Adjusted PS Ratio of 0.94 as of Jul. 20, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 18% below median its historical median of 1.15. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio has ranged from 0.90 to 1.70. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #82 out of 420 companies in the Credit Services industry, placing it in the top 19.5%.
Is PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio too high?
PT Adira Dinamika Multi Finance Tbk's current Cyclically Adjusted PS Ratio of 0.94 is 18% below median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.90 to a high of 1.70. The Credit Services industry median Cyclically Adjusted PS Ratio is 3.10. PT Adira Dinamika Multi Finance Tbk's value of 0.94 is 69.7% below this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #82 out of 420 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT Adira Dinamika Multi Finance Tbk has a GF Score™ of 69/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Adira Dinamika Multi Finance Tbk's Cyclically Adjusted PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #82 out of 420 companies for Cyclically Adjusted PS Ratio. This places PT Adira Dinamika Multi Finance Tbk in the top 20% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 3.10. PT Adira Dinamika Multi Finance Tbk's value of 0.94 is 69.7% below this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own Cyclically Adjusted PS Ratio has ranged from 0.90 to 1.70 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 3.10, 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 Cyclically Adjusted PS Ratio for a Credit Services company?
The median Cyclically Adjusted PS Ratio among Credit Services companies is 3.10, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio of 0.94 is 69.7% 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 Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median Cyclically Adjusted PS Ratio is 3.10 — 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 Cyclically Adjusted PS Ratio is 0.94, which is 18% below median its own 10-year median of 1.15. 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 Possible Value Trap. The stock's GF Value™ is Rp11,786.21, compared to a current price of Rp8,300.00 — trading 29.6% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.94, which is 18% below median its 10-year median of 1.15 and 69.7% below the Credit Services industry median of 3.10. PT Adira Dinamika Multi Finance Tbk's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Cyclically Adjusted PS Ratio is 0.94 as of Jul. 20, 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 Rp8,300.00 is trading 29.6% below its estimated GF Value™ of Rp11,786.21. GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Possible Value Trap.

Key valuation signals for ISX:ADMF:

  • Cyclically Adjusted PS Ratio: 0.94 (18% below median its 10-year median of 1.15)
  • GF Value™: Rp11,786.21 vs. price of Rp8,300.00 (29.6% below fair value)
  • GF Score™: 69/100 with 4 warning signs
  • Industry Position: 69.7% below the Credit Services median (#82 of 420)

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.


PT Adira Dinamika Multi Finance Tbk Business Description

Address Jalan 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.
69GF Score

Get the complete analysis for ISX:ADMF

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp8,300.00
Price
Rp11,786.21
GF Value