Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. PT Adira Dinamika Multi Finance Tbk's
Operating Income
for the
three
months ended in Mar. 2026 was Rp352,614 Mil. PT Adira Dinamika Multi Finance Tbk's Interest Expense for the
three
months ended in Mar. 2026 was Rp-1,418 Mil.
PT Adira Dinamika Multi Finance Tbk's interest coverage for the quarter that ended in Mar. 2026 was 248.67.
The higher the ratio, the stronger the company's financial strength is.
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
PT Adira Dinamika Multi Finance Tbk Interest Coverage Related Terms
PT Adira Dinamika Multi Finance Tbk Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
PT Adira Dinamika Multi Finance Tbk Interest Coverage Chart
ISX:ADMF vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Interest Coverage falls into.
PT Adira Dinamika Multi Finance Tbk Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 248.67 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 21% below median its historical median of 316.40. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Interest Coverage has ranged from 77.62 to 1,341.29. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #64 out of 164 companies in the Credit Services industry, placing it in the top 39%.
Is PT Adira Dinamika Multi Finance Tbk's Interest Coverage too high?
PT Adira Dinamika Multi Finance Tbk's current Interest Coverage of 248.67 is 21% below median its 10-year median of 316.40. Over the past 10 years, this metric has ranged from a low of 77.62 to a high of 1,341.29. The Credit Services industry median Interest Coverage is 49.41. PT Adira Dinamika Multi Finance Tbk's value of 248.67 is 403.3% above this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #64 out of 164 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #64 out of 164 companies for Interest Coverage. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median Interest Coverage is 49.41. PT Adira Dinamika Multi Finance Tbk's value of 248.67 is 403.3% above this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own Interest Coverage has ranged from 77.62 to 1,341.29 over the past decade. While the company's 10-year median is 316.40 vs. the industry median of 49.41, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 49.41, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage of 248.67 is 403.3% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median Interest Coverage is 49.41 — 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 Interest Coverage is 248.67, which is 21% below median its own 10-year median of 316.40. 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 Interest Coverage is 248.67, which is 21% below median its 10-year median of 316.40 and 403.3% above the Credit Services industry median of 49.41. PT Adira Dinamika Multi Finance Tbk's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Interest Coverage is 248.67 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 Rp8,025.00 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:
Interest Coverage: 248.67 (21% below median its 10-year median of 316.40)
GF Value™: Rp11,733.52 vs. price of Rp8,025.00 (31.6% below fair value)
Industry Position: 403.3% above the Credit Services median (#64 of 164)
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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