Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
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 Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) 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 Margin % Related Terms
PT Adira Dinamika Multi Finance Tbk Operating 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 Operating Margin % Chart
ISX:ADMF vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Operating Margin % distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Operating Margin % falls into.
PT Adira Dinamika Multi Finance Tbk Operating Margin % Calculation
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* 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 Operating Margin % of 13.27% as of Mar. 2026. Operating margin is the ratio of total operating 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 12.48. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Operating Margin % has ranged from 5.28 to 20.29. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #252 out of 412 companies in the Credit Services industry, placing it in the top 61.2%.
Is PT Adira Dinamika Multi Finance Tbk's Operating Margin % too high?
PT Adira Dinamika Multi Finance Tbk's current Operating Margin % of 13.27% is near median its 10-year median of 12.48. Over the past 10 years, this metric has ranged from a low of 5.28 to a high of 20.29. The Credit Services industry median Operating Margin % is 17.33. PT Adira Dinamika Multi Finance Tbk's value of 13.27% is 23.4% below this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #252 out of 412 companies in the Credit Services industry, which is below 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #252 out of 412 companies for Operating Margin %. This places PT Adira Dinamika Multi Finance Tbk in the lower half of its industry. The industry median Operating Margin % is 17.33. PT Adira Dinamika Multi Finance Tbk's value of 13.27% is 23.4% below this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own Operating Margin % has ranged from 5.28 to 20.29 over the past decade. While the company's 10-year median is 12.48 vs. the industry median of 17.33, PT Adira Dinamika Multi Finance Tbk has consistently been below 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating 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 Operating Margin % of 13.27% is 23.4% below 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — 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 Operating Margin % is 13.27%, which is near median its own 10-year median of 12.48. 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 Rp11,731.33, compared to a current price of Rp8,025.00 — trading 31.6% below its estimated fair value. The current Operating Margin % is 13.27%, which is near median its 10-year median of 12.48 and 23.4% below the Credit Services industry median of 17.33. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Operating Margin % is 13.27% 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 Rp11,731.33.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:ADMF:
Operating Margin %: 13.27% (near median its 10-year median of 12.48)
GF Value™: Rp11,731.33 vs. price of Rp8,025.00 (31.6% below fair value)
Industry Position: 23.4% below the Credit Services median (#252 of 412)
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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