PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) Operating Income: Rp1,003,101 Mil (TTM As of Mar. 2026)

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ISX:ADMF PT Adira Dinamika Multi Finance Tbk ISX:ADMF
69 GF Score
Price Rp8,275.00
GF Value Rp11,792.79
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is PT Adira Dinamika Multi Finance Tbk Operating Income?

PT Adira Dinamika Multi Finance Tbk ISX:ADMF -0.30% 69 Operating Income is Rp1,003,101 Mil as of Mar. 2026. GuruFocus rates ISX:ADMF with a GF Score™ of 69/100 and a GF Value™ of Rp11,792.79 (Possible Value Trap). The stock has 4 warning signs investors should review.

PT Adira Dinamika Multi Finance Tbk's Operating Income for the three months ended in Mar. 2026 was Rp352,614 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was Rp1,003,101 Mil.

Operating Margin % is calculated as Operating Income divided by its Revenue. 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 Revenue for the three months ended in Mar. 2026 was Rp2,657,163 Mil. Therefore, PT Adira Dinamika Multi Finance Tbk's Operating Margin % for the quarter that ended in Mar. 2026 was 13.27%.

Good Sign:

PT Adira Dinamika Multi Finance Tbk operating margin is expanding. Margin expansion is usually a good sign.

PT Adira Dinamika Multi Finance Tbk's 5-Year average Growth Rate for Operating Margin % was 12.00% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. PT Adira Dinamika Multi Finance Tbk's annualized ROC % for the quarter that ended in Mar. 2026 was 3.00%. PT Adira Dinamika Multi Finance Tbk's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 153.72%.


PT Adira Dinamika Multi Finance Tbk  (ISX:ADMF) Operating Income Explanation

1. Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

PT Adira Dinamika Multi Finance Tbk's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=1410456 * ( 1 - 21.69% )/( (36485372 + 37248464)/ 2 )
=1104528.0936/36866918
=3.00 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=38529195 - 802190 - ( 1241633 - max(0, 16606495 - 20004402+1241633))
=36485372

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=39745951 - 1030632 - ( 1466855 - max(0, 16814889 - 20687284+1466855))
=37248464

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

PT Adira Dinamika Multi Finance Tbk's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=1410456/( ( (709603 + max(249229, 0)) + (683684 + max(192579, 0)) )/ 2 )
=1410456/( ( 958832 + 876263 )/ 2 )
=1410456/917547.5
=153.72 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 2801261) - (802190 + 0 + 1749842)
=249229

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 2893464) - (1030632 + 0 + 1670253)
=192579

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. Operating Income is also linked to Operating Margin %:

PT Adira Dinamika Multi Finance Tbk's Operating Margin % for the quarter that ended in Mar. 2026 is calculated as:

Operating Margin %=Operating Income (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=352614/2657163
=13.27 %

* 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.

4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.


Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.


PT Adira Dinamika Multi Finance Tbk Operating Income Related Terms


PT Adira Dinamika Multi Finance Tbk Operating Income Historical Data

* Premium members only.

The historical data trend for PT Adira Dinamika Multi Finance Tbk's Operating Income can be seen below:

* 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 Operating Income Chart

PT Adira Dinamika Multi Finance Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Operating Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 351,639.00 861,195.00 1,428,472.00 1,111,750.00 856,006.00

PT Adira Dinamika Multi Finance Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Operating Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 205,519.00 64,533.00 215,895.00 370,059.00 352,614.00
ISX:ADMF
69GF Score
PT Adira Dinamika Multi Finance Tbk ISX:ADMF
Operating Income is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Adira Dinamika Multi Finance Tbk Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp1,003,101 Mil.

* 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.

Frequently Asked Questions Learn more about Operating Income →
What does a Operating Income of Rp1,003,101 Mil mean?
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a Operating Income of Rp1,003,101 Mil as of Mar. 2026. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors.
Is PT Adira Dinamika Multi Finance Tbk's Operating Income too high?
PT Adira Dinamika Multi Finance Tbk's current Operating Income is Rp1,003,101 Mil. Overall, PT Adira Dinamika Multi Finance Tbk has a GF Score™ of 69/100 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 Operating Income compare to V and MA?
PT Adira Dinamika Multi Finance Tbk's Operating Income of Rp1,003,101 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Income for a Credit Services company?
A good Operating Income depends on the Credit Services industry context. However, Operating Income 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 Operating Income mean?
A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. PT Adira Dinamika Multi Finance Tbk's current Operating Income is Rp1,003,101 Mil. 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 Rp11,792.79, compared to a current price of Rp8,275.00 — trading 29.8% below its estimated fair value. The current Operating Income is Rp1,003,101 Mil. 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 Operating Income calculated?
Operating Income is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Operating Income is Rp1,003,101 Mil 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 Rp8,275.00 is trading 29.8% below its estimated GF Value™ of Rp11,792.79. GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Possible Value Trap.

Key valuation signals for ISX:ADMF:

  • Operating Income: Rp1,003,101 Mil
  • GF Value™: Rp11,792.79 vs. price of Rp8,275.00 (29.8% below fair value)
  • GF Score™: 69/100 with 4 warning signs

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

Address Jalan 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

Get the complete analysis for ISX:ADMF

Operating Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp8,275.00
Price
Rp11,792.79
GF Value