PT Putra Mandiri Jembar Tbk (ISX:PMJS) Effective Interest Rate on Debt %: 3.01% (As of Mar. 2026)


ISX:PMJS PT Putra Mandiri Jembar Tbk ISX:PMJS
82 GF Score
Price Rp103.00
GF Value Rp140.07
Valuation Modestly Undervalued
! 5 Warning Signs
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What is PT Putra Mandiri Jembar Tbk Effective Interest Rate on Debt %?

PT Putra Mandiri Jembar Tbk ISX:PMJS -0.96% 82 Effective Interest Rate on Debt % is 3.01% as of Mar. 2026. GuruFocus rates ISX:PMJS with a GF Score™ of 82/100 and a GF Value™ of Rp140.07 (Modestly Undervalued). The stock has 5 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. PT Putra Mandiri Jembar Tbk's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was Rp9,261 Mil. PT Putra Mandiri Jembar Tbk's average total debt for the quarter that ended in Mar. 2026 was Rp307,349 Mil. Therefore, PT Putra Mandiri Jembar Tbk's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.01%.


PT Putra Mandiri Jembar Tbk  (ISX:PMJS) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


PT Putra Mandiri Jembar Tbk Effective Interest Rate on Debt % Related Terms


PT Putra Mandiri Jembar Tbk Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for PT Putra Mandiri Jembar Tbk's Effective Interest Rate on Debt % 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 Putra Mandiri Jembar Tbk Effective Interest Rate on Debt % Chart

PT Putra Mandiri Jembar Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 28.05 10.60 11.27 14.04 7.10

PT Putra Mandiri Jembar Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % 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 3.64 5.20 10.07 13.79 3.01

ISX:PMJS vs CVNA, PAG, ALTB: Effective Interest Rate on Debt % Comparison

For the Auto & Truck Dealerships subindustry, PT Putra Mandiri Jembar Tbk's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Putra Mandiri Jembar Tbk Effective Interest Rate on Debt % vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, PT Putra Mandiri Jembar Tbk's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where PT Putra Mandiri Jembar Tbk's Effective Interest Rate on Debt % falls into.


ISX:PMJS
82GF Score
PT Putra Mandiri Jembar Tbk ISX:PMJS
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Putra Mandiri Jembar Tbk Effective Interest Rate on Debt % Calculation

PT Putra Mandiri Jembar Tbk's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -6795.388/( (74144.457+117258.01)/ 2 )
=-1  *  -6795.388/95701.2335
=7.10 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=35266.053 + 38878.404
=74144.457

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=75645.666 + 41612.344
=117258.01

PT Putra Mandiri Jembar Tbk's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -9260.74/( (117258.01+497440.058)/ 2 )
=-1  *  -9260.74/307349.034
=3.01 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=75645.666 + 41612.344
=117258.01

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=61517.071 + 435922.987
=497440.058

* 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 3.01% mean?
PT Putra Mandiri Jembar Tbk (ISX:PMJS) has a Effective Interest Rate on Debt % of 3.01% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT Putra Mandiri Jembar Tbk and its competitors.
Is PT Putra Mandiri Jembar Tbk's Effective Interest Rate on Debt % too high?
PT Putra Mandiri Jembar Tbk's current Effective Interest Rate on Debt % is 3.01%. Overall, PT Putra Mandiri Jembar Tbk has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Putra Mandiri Jembar Tbk's Effective Interest Rate on Debt % compare to CVNA and PAG?
PT Putra Mandiri Jembar Tbk's Effective Interest Rate on Debt % of 3.01% can be compared against companies in the Vehicles & Parts industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on PT Putra Mandiri Jembar Tbk and its competitors. PT Putra Mandiri Jembar Tbk's current Effective Interest Rate on Debt % is 3.01%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Putra Mandiri Jembar Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Putra Mandiri Jembar Tbk (ISX:PMJS) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp140.07, compared to a current price of Rp103.00 — trading 26.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 3.01%. PT Putra Mandiri Jembar Tbk's overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For PT Putra Mandiri Jembar Tbk (ISX:PMJS), the current Effective Interest Rate on Debt % is 3.01% as of Mar. 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 Putra Mandiri Jembar Tbk (ISX:PMJS) Overvalued in 2026?

Based on GuruFocus' analysis, PT Putra Mandiri Jembar Tbk stock appears to be undervalued. The current stock price of Rp103.00 is trading 26.5% below its estimated GF Value™ of Rp140.07. GuruFocus considers PT Putra Mandiri Jembar Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PMJS:

  • Effective Interest Rate on Debt %: 3.01%
  • GF Value™: Rp140.07 vs. price of Rp103.00 (26.5% below fair value)
  • GF Score™: 82/100 with 5 warning signs

No single metric tells the full story. See the ISX:PMJS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Putra Mandiri Jembar Tbk Business Description

Address Jalan Jenderal Gatot Subroto Kav 51-52, Dipo Tower, 18th Floor, Slipi, Central Jakarta, Jakarta, IDN, 10260
PT Putra Mandiri Jembar Tbk is a holding company. Along with its subsidiaries, it operates authorized dealerships for motor vehicles and also offers related spare parts, repair, and maintenance services. It operates dealerships of various international motor vehicle manufacturers such as Mitsubishi, Mercedes-Benz, Nissan, and Datsun across different cities in Indonesia. Additionally, the Group operates automotive market platforms, provides vehicle rental, management consulting, and land and building rental services. Its operating segments are: Vehicle sales, Spare parts, Maintenance services, Vehicle lease, Body repair, and Other. The majority of the Group's revenue is generated from the Vehicle sales segment.
82GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp103.00
Price
Rp140.07
GF Value