Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
The historical rank and industry rank for PT Adira Dinamika Multi Finance Tbk's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
ISX:ADMF'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: 0.59 Med: 4.49 Max: 7.2
Current: 4.53
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of PT Adira Dinamika Multi Finance Tbk was 7.20%. The lowest was 0.59%. And the median was 4.49%.
ISX:ADMF's Earnings Yield (Joel Greenblatt) % is ranked better than 72.5% of 549
companies
in the Credit Services industry
Industry Median: 1
vs ISX:ADMF: 4.53
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. PT Adira Dinamika Multi Finance Tbk's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 16.42%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
* 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.
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
PT Adira Dinamika Multi Finance Tbk's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp1,301,219 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 4.66% mean?
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a Earnings Yield (Joel Greenblatt) % of 4.66% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is near median its historical median of 4.49. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Earnings Yield (Joel Greenblatt) % has ranged from 0.59 to 7.20. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #151 out of 549 companies in the Credit Services industry, placing it in the top 27.5%.
Is PT Adira Dinamika Multi Finance Tbk's Earnings Yield (Joel Greenblatt) % too high?
PT Adira Dinamika Multi Finance Tbk's current Earnings Yield (Joel Greenblatt) % of 4.66% is near median its 10-year median of 4.49. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 7.20. The Credit Services industry median Earnings Yield (Joel Greenblatt) % is 1.00. PT Adira Dinamika Multi Finance Tbk's value of 4.66% is 366% above this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #151 out of 549 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT Adira Dinamika Multi Finance Tbk has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Adira Dinamika Multi Finance Tbk's Earnings Yield (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #151 out of 549 companies for Earnings Yield (Joel Greenblatt) %. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 1.00. PT Adira Dinamika Multi Finance Tbk's value of 4.66% is 366% above this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own Earnings Yield (Joel Greenblatt) % has ranged from 0.59 to 7.20 over the past decade. While the company's 10-year median is 4.49 vs. the industry median of 1.00, PT Adira Dinamika Multi Finance Tbk has consistently been above 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 Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 1.00, based on 549 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % of 4.66% is 366% above 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 1.00 — 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 Earnings Yield (Joel Greenblatt) % is 4.66%, which is near median its own 10-year median of 4.49. 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 Rp10,799.81, compared to a current price of Rp8,650.00 — trading 19.9% below its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 4.66%, which is near median its 10-year median of 4.49 and 366% above the Credit Services industry median of 1.00. PT Adira Dinamika Multi Finance Tbk's overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Earnings Yield (Joel Greenblatt) % is 4.66% 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 Rp8,650.00 is trading 19.9% below its estimated GF Value™ of Rp10,799.81.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:ADMF:
Earnings Yield (Joel Greenblatt) %: 4.66% (near median its 10-year median of 4.49)
GF Value™: Rp10,799.81 vs. price of Rp8,650.00 (19.9% below fair value)
Industry Position: 366% above the Credit Services median (#151 of 549)
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.
73GF Score
Get the complete analysis for ISX:ADMF
Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:ADMF has been successfully added to your 
