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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.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
ISX:ADMF'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.33 Med: 0.53 Max: 0.82
Current: 0.47
During the past 13 years, the highest Price to Graham Number ratio of PT Adira Dinamika Multi Finance Tbk was 0.82. The lowest was 0.33. And the median was 0.53.
ISX:ADMF's Price-to-Graham-Number is ranked better than 80.15% of 403
companies
in the Credit Services industry
Industry Median: 0.84
vs ISX:ADMF: 0.47
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
PT Adira Dinamika Multi Finance Tbk's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
8675.00
/
18,463.85
=
0.47
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
PT Adira Dinamika Multi Finance Tbk Graham Number Related Terms
PT Adira Dinamika Multi Finance Tbk Graham Number 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 Graham Number Chart
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Price-to-Graham-Number 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 (ISX:ADMF) has a Graham Number of Rp18,463.85 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 3483645% above median its historical median of 0.53. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Graham Number has ranged from 0.33 to 0.82. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #80 out of 403 companies in the Credit Services industry, placing it in the top 19.9%.
Is PT Adira Dinamika Multi Finance Tbk's Graham Number too high?
PT Adira Dinamika Multi Finance Tbk's current Graham Number of Rp18,463.85 is 3483645% above median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 0.82. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #80 out of 403 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Graham Number compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #80 out of 403 companies for Graham Number. This places PT Adira Dinamika Multi Finance Tbk in the top 20% of its industry — outperforming the majority of peers. The industry median Graham Number is 0.84. Historically, PT Adira Dinamika Multi Finance Tbk's own Graham Number has ranged from 0.33 to 0.82 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Credit Services company?
The median Graham Number among Credit Services companies is 0.84, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median Graham Number is 0.84 — 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 Graham Number is Rp18,463.85, which is 3483645% above median its own 10-year median of 0.53. 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 Rp11,812.55, compared to a current price of Rp8,675.00 — trading 26.6% below its estimated fair value. The current Graham Number is Rp18,463.85, which is 3483645% above median its 10-year median of 0.53. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Graham Number is Rp18,463.85 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 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 Rp8,675.00 is trading 26.6% below its estimated GF Value™ of Rp11,812.55.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Modestly Undervalued.
Key valuation signals for ISX:ADMF:
Graham Number: Rp18,463.85 (3483645% above median its 10-year median of 0.53)
GF Value™: Rp11,812.55 vs. price of Rp8,675.00 (26.6% below fair value)
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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