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.
FRA:M63'
s FCF Margin % Range Over the Past 10 Years
Min: -55.08 Med: 11.49 Max: 107.07
Current: 8.12
During the past 13 years, the highest FCF Margin % of PT Adira Dinamika Multi Finance Tbk was 107.07%. The lowest was -55.08%. And the median was 11.49%.
FRA:M63's FCF Margin % is ranked better than 57.87% of 534
companies
in the Credit Services industry
Industry Median: 0.565
vs FRA:M63: 8.12
* 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 FCF Margin % Chart
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's FCF Margin % 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 (FRA:M63) has a FCF Margin % of 76.61% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 567% above median its historical median of 11.49. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #225 out of 534 companies in the Credit Services industry, placing it in the top 42.1%.
Is PT Adira Dinamika Multi Finance Tbk's FCF Margin % too high?
PT Adira Dinamika Multi Finance Tbk's current FCF Margin % of 76.61% is 567% above median its 10-year median of 11.49. The Credit Services industry median FCF Margin % is 0.57. PT Adira Dinamika Multi Finance Tbk's value of 76.61% is 13459.3% above this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #225 out of 534 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, reflecting its overall financial health beyond just this single metric.
How does PT Adira Dinamika Multi Finance Tbk's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #225 out of 534 companies for FCF Margin %. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median FCF Margin % is 0.57. PT Adira Dinamika Multi Finance Tbk's value of 76.61% is 13459.3% above this benchmark. While the company's 10-year median is 11.49 vs. the industry median of 0.57, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.57, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % of 76.61% is 13459.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median FCF Margin % is 0.57 — 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 FCF Margin % is 76.61%, which is 567% above median its own 10-year median of 11.49. 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?
PT Adira Dinamika Multi Finance Tbk (FRA:M63) has a current FCF Margin % of 76.61%. The stock's GF Value™ is €0.47, compared to a current price of €0.38 — trading 19.3% below its estimated fair value. The current FCF Margin % is 76.61%, which is 567% above median its 10-year median of 11.49 and 13459.3% above the Credit Services industry median of 0.57. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (FRA:M63), the current FCF Margin % is 76.61% 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 (FRA:M63) Overvalued in 2026?
Based on GuruFocus' analysis, PT Adira Dinamika Multi Finance Tbk stock appears to be undervalued.
The current stock price of €0.38 is trading 19.3% below its estimated GF Value™ of €0.47.
Key valuation signals for FRA:M63:
FCF Margin %: 76.61% (567% above median its 10-year median of 11.49)
GF Value™: €0.47 vs. price of €0.38 (19.3% below fair value)
Industry Position: 13459.3% above the Credit Services median (#225 of 534)
No single metric tells the full story. See the FRA:M63 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 FRA:M63
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:M63 has been successfully added to your 
