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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
ISX:ADMF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 9.96 Med: 15.59 Max: 23.29
Current: 16.09
During the past 13 years, the highest Debt-to-EBITDA Ratio of PT Adira Dinamika Multi Finance Tbk was 23.29. The lowest was 9.96. And the median was 15.59.
ISX:ADMF's Debt-to-EBITDA is ranked worse than 67.96% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs ISX:ADMF: 16.09
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
PT Adira Dinamika Multi Finance Tbk Debt-to-EBITDA Related Terms
PT Adira Dinamika Multi Finance Tbk Debt-to-EBITDA 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 Debt-to-EBITDA Chart
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a Debt-to-EBITDA of 7.86 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PT Adira Dinamika Multi Finance Tbk. This is 50% below median its historical median of 15.59. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Debt-to-EBITDA has ranged from 9.96 to 23.29. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #193 out of 284 companies in the Credit Services industry, placing it in the top 68%.
Is PT Adira Dinamika Multi Finance Tbk's Debt-to-EBITDA too high?
PT Adira Dinamika Multi Finance Tbk's current Debt-to-EBITDA of 7.86 is 50% below median its 10-year median of 15.59. Over the past 10 years, this metric has ranged from a low of 9.96 to a high of 23.29. The Credit Services industry median Debt-to-EBITDA is 9.20. PT Adira Dinamika Multi Finance Tbk's value of 7.86 is 14.6% below this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #193 out of 284 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Adira Dinamika Multi Finance Tbk has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Adira Dinamika Multi Finance Tbk's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #193 out of 284 companies for Debt-to-EBITDA. This places PT Adira Dinamika Multi Finance Tbk in the lower half of its industry. The industry median Debt-to-EBITDA is 9.20. PT Adira Dinamika Multi Finance Tbk's value of 7.86 is 14.6% below this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own Debt-to-EBITDA has ranged from 9.96 to 23.29 over the past decade. While the company's 10-year median is 15.59 vs. the industry median of 9.20, 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.20, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA 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 Debt-to-EBITDA of 7.86 is 14.6% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PT Adira Dinamika Multi Finance Tbk. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — 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 Debt-to-EBITDA is 7.86, which is 50% below median its own 10-year median of 15.59. 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 Rp11,816.94, compared to a current price of Rp8,800.00 — trading 25.5% below its estimated fair value. The current Debt-to-EBITDA is 7.86, which is 50% below median its 10-year median of 15.59 and 14.6% below the Credit Services industry median of 9.20. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Debt-to-EBITDA is 7.86 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 Rp8,800.00 is trading 25.5% below its estimated GF Value™ of Rp11,816.94.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:ADMF:
Debt-to-EBITDA: 7.86 (50% below median its 10-year median of 15.59)
GF Value™: Rp11,816.94 vs. price of Rp8,800.00 (25.5% below fair value)
Industry Position: 14.6% below the Credit Services median (#193 of 284)
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.
69GF Score
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