FRA:M63's PB Ratio is ranked better than 73.61% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs FRA:M63: 0.63
During the past 12 months, PT Adira Dinamika Multi Finance Tbk's average Book Value Per Share Growth Rate was 14.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 11.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PT Adira Dinamika Multi Finance Tbk was 31.40% per year. The lowest was -6.10% per year. And the median was 11.70% per year.
Back to Basics: PB Ratio
PT Adira Dinamika Multi Finance Tbk (FRA:M63) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PT Adira Dinamika Multi Finance Tbk PB Ratio Related Terms
PT Adira Dinamika Multi Finance Tbk PB Ratio 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 PB Ratio Chart
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's PB Ratio distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's PB Ratio falls into.
PT Adira Dinamika Multi Finance Tbk PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PT Adira Dinamika Multi Finance Tbk (FRA:M63) has a PB Ratio of 0.54 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 43% below median its historical median of 0.95. Over the past decade, PT Adira Dinamika Multi Finance Tbk's PB Ratio has ranged from 0.60 to 1.35. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #138 out of 523 companies in the Credit Services industry, placing it in the top 26.4%.
Is PT Adira Dinamika Multi Finance Tbk's PB Ratio too high?
PT Adira Dinamika Multi Finance Tbk's current PB Ratio of 0.54 is 43% below median its 10-year median of 0.95. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.35. The Credit Services industry median PB Ratio is 1.07. PT Adira Dinamika Multi Finance Tbk's value of 0.54 is 49.5% below this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #138 out of 523 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, reflecting its overall financial health beyond just this single metric.
How does PT Adira Dinamika Multi Finance Tbk's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #138 out of 523 companies for PB Ratio. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median PB Ratio is 1.07. PT Adira Dinamika Multi Finance Tbk's value of 0.54 is 49.5% below this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own PB Ratio has ranged from 0.60 to 1.35 over the past decade. While the company's 10-year median is 0.95 vs. the industry median of 1.07, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio 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 PB Ratio of 0.54 is 49.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — 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 PB Ratio is 0.54, which is 43% below median its own 10-year median of 0.95. 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?
PT Adira Dinamika Multi Finance Tbk (FRA:M63) has a current PB Ratio of 0.54. The stock's GF Value™ is €0.52, compared to a current price of €0.35 — trading 32.1% below its estimated fair value. The current PB Ratio is 0.54, which is 43% below median its 10-year median of 0.95 and 49.5% below the Credit Services industry median of 1.07. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (FRA:M63), the current PB Ratio is 0.54 as of Jun. 27, 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 (FRA:M63) Overvalued in 2026?
Based on GuruFocus' analysis, PT Adira Dinamika Multi Finance Tbk stock appears to be undervalued.
The current stock price of €0.35 is trading 32.1% below its estimated GF Value™ of €0.52.
Key valuation signals for FRA:M63:
PB Ratio: 0.54 (43% below median its 10-year median of 0.95)
GF Value™: €0.52 vs. price of €0.35 (32.1% below fair value)
Industry Position: 49.5% below the Credit Services median (#138 of 523)
No single metric tells the full story. See the FRA:M63 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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