ISX:ADMF'
s Net Margin % Range Over the Past 10 Years
Min: 13.2 Med: 19.05 Max: 25.49
Current: 16.16
ISX:ADMF's Net Margin % is ranked better than 54.31% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs ISX:ADMF: 16.16
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PT Adira Dinamika Multi Finance Tbk Net Margin % Related Terms
PT Adira Dinamika Multi Finance Tbk Net Margin % 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 Net Margin % Chart
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Net 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 (ISX:ADMF) has a Net Margin % of 18.22% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is near median its historical median of 19.05. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Net Margin % has ranged from 13.20 to 25.49. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #244 out of 534 companies in the Credit Services industry, placing it in the top 45.7%.
Is PT Adira Dinamika Multi Finance Tbk's Net Margin % too high?
PT Adira Dinamika Multi Finance Tbk's current Net Margin % of 18.22% is near median its 10-year median of 19.05. Over the past 10 years, this metric has ranged from a low of 13.20 to a high of 25.49. The Credit Services industry median Net Margin % is 14.52. PT Adira Dinamika Multi Finance Tbk's value of 18.22% is 25.5% above this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #244 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 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #244 out of 534 companies for Net Margin %. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median Net Margin % is 14.52. PT Adira Dinamika Multi Finance Tbk's value of 18.22% is 25.5% above this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own Net Margin % has ranged from 13.20 to 25.49 over the past decade. While the company's 10-year median is 19.05 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net 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 Net Margin % of 18.22% is 25.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — 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 Net Margin % is 18.22%, which is near median its own 10-year median of 19.05. 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 Net Margin % is 18.22%, which is near median its 10-year median of 19.05 and 25.5% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Net Margin % is 18.22% 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:
Net Margin %: 18.22% (near median its 10-year median of 19.05)
GF Value™: Rp11,733.52 vs. price of Rp8,025.00 (31.6% below fair value)
Industry Position: 25.5% above the Credit Services median (#244 of 534)
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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