ISX:ADMF'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 6 Max: 9
Current: 5
During the past 13 years, the highest Piotroski F-Score of PT Adira Dinamika Multi Finance Tbk was 9. The lowest was 3. And the median was 6.
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
PT Adira Dinamika Multi Finance Tbk Piotroski F-Score Related Terms
PT Adira Dinamika Multi Finance Tbk Piotroski F-Score 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 Piotroski F-Score Chart
ISX:ADMF vs V, MA, AXP: Piotroski F-Score Comparison
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Piotroski F-Score 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.
This Year (Mar26) TTM:
Last Year (Mar25) TTM:
Net Income was 215893 + 336946 + 606339 + 484131 = Rp1,643,309 Mil. Cash Flow from Operations was 973211 + -357129 + -597364 + -193794 = Rp-175,076 Mil. Revenue was 1307788 + 1912865 + 4292045 + 2657163 = Rp10,169,861 Mil. Gross Profit was 644941 + 1061416 + 2623063 + 1541442 = Rp5,870,862 Mil.
Average Total Assets from the begining of this year (Mar25)
to the end of this year (Mar26) was
(32133002 + 31248107 + 32269699 + 38529195 + 39745951) / 5 = Rp34785190.8 Mil. Total Assets at the begining of this year (Mar25) was Rp32,133,002 Mil. Long-Term Debt & Capital Lease Obligation was Rp6,619,366 Mil. Total Current Assets was Rp20,687,284 Mil. Total Current Liabilities was Rp16,814,889 Mil.
Net Income was 333086 + 349231 + 696372 + 385760 = Rp1,764,449 Mil.
Revenue was 2021258 + 1977629 + 3598536 + 2471738 = Rp10,069,161 Mil. Gross Profit was 1121051 + 1025705 + 2150389 + 1378634 = Rp5,675,779 Mil.
Average Total Assets from the begining of last year (Mar24)
to the end of last year (Mar25) was
(33695146 + 35281947 + 33442234 + 38372929 + 32133002) / 5 = Rp34585051.6 Mil. Total Assets at the begining of last year (Mar24) was Rp33,695,146 Mil. Long-Term Debt & Capital Lease Obligation was Rp14,340,297 Mil. Total Current Assets was Rp16,012,356 Mil. Total Current Liabilities was Rp5,926,827 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
PT Adira Dinamika Multi Finance Tbk's current Net Income (TTM) was 1,643,309.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
PT Adira Dinamika Multi Finance Tbk's current Cash Flow from Operations (TTM) was -175,076.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
PT Adira Dinamika Multi Finance Tbk's return on assets of this year was 0.05114085. PT Adira Dinamika Multi Finance Tbk's return on assets of last year was 0.05236508.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
PT Adira Dinamika Multi Finance Tbk's gearing of this year was 0.19029265. PT Adira Dinamika Multi Finance Tbk's gearing of last year was 0.41463859.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
PT Adira Dinamika Multi Finance Tbk's current ratio of this year was 1.2302956. PT Adira Dinamika Multi Finance Tbk's current ratio of last year was 2.70167427.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
PT Adira Dinamika Multi Finance Tbk's number of shares in issue this year was 1235.803. PT Adira Dinamika Multi Finance Tbk's number of shares in issue last year was 1235.803.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
PT Adira Dinamika Multi Finance Tbk's gross margin of this year was 0.57728046. PT Adira Dinamika Multi Finance Tbk's gross margin of last year was 0.56367944.
==> This year's gross margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
PT Adira Dinamika Multi Finance Tbk's asset turnover of this year was 0.31649271. PT Adira Dinamika Multi Finance Tbk's asset turnover of last year was 0.2988312.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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5
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
PT Adira Dinamika Multi Finance Tbk has an F-score of 5 indicating the company's financial situation is typical for a stable company.
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a Piotroski F-Score of 5 as of Jun. 26, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 17% below median its historical median of 6.00. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Piotroski F-Score has ranged from 3.00 to 9.00. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #189 out of 532 companies in the Credit Services industry, placing it in the top 35.5%.
Is PT Adira Dinamika Multi Finance Tbk's Piotroski F-Score too high?
PT Adira Dinamika Multi Finance Tbk's current Piotroski F-Score of 5 is 17% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 9.00. The Credit Services industry median Piotroski F-Score is 5.00. PT Adira Dinamika Multi Finance Tbk's value of 5 is 0% at this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #189 out of 532 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT Adira Dinamika Multi Finance Tbk has a GF Score™ of 70/100 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 Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #189 out of 532 companies for Piotroski F-Score. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median Piotroski F-Score is 5.00. PT Adira Dinamika Multi Finance Tbk's value of 5 is 0% at this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own Piotroski F-Score has ranged from 3.00 to 9.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 5.00, PT Adira Dinamika Multi Finance Tbk has consistently been at 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 Piotroski F-Score for a Credit Services company?
The median Piotroski F-Score among Credit Services companies is 5.00, based on 532 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score 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 Piotroski F-Score of 5 is 0% at 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median Piotroski F-Score is 5.00 — 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 Piotroski F-Score is 5, which is 17% below median its own 10-year median of 6.00. 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 Rp11,733.52, compared to a current price of Rp8,025.00 — trading 31.6% below its estimated fair value. The current Piotroski F-Score is 5, which is 17% below median its 10-year median of 6.00 and 0% at the Credit Services industry median of 5.00. PT Adira Dinamika Multi Finance Tbk's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Piotroski F-Score is 5 as of Jun. 26, 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 Rp8,025.00 is trading 31.6% below its estimated GF Value™ of Rp11,733.52.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:ADMF:
Piotroski F-Score: 5 (17% below median its 10-year median of 6.00)
GF Value™: Rp11,733.52 vs. price of Rp8,025.00 (31.6% below fair value)
Industry Position: 0% at the Credit Services median (#189 of 532)
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
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.
70GF Score
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