PT Adira Dinamika Multi Finance Tbk (FRA:M63) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
PT Adira Dinamika Multi Finance Tbk PS Ratio Related Terms
PT Adira Dinamika Multi Finance Tbk PS 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 PS Ratio Chart
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's PS Ratio distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's PS Ratio falls into.
PT Adira Dinamika Multi Finance Tbk PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
PT Adira Dinamika Multi Finance Tbk's Share Price of today is €0.353. PT Adira Dinamika Multi Finance Tbk's Revenue per Share 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 €0.46.
* 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:
PT Adira Dinamika Multi Finance Tbk (FRA:M63) has a PS Ratio of 0.77 as of Jun. 27, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 22% below median its historical median of 0.99. Over the past decade, PT Adira Dinamika Multi Finance Tbk's PS Ratio has ranged from 0.66 to 1.83. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #77 out of 522 companies in the Credit Services industry, placing it in the top 14.8%.
Is PT Adira Dinamika Multi Finance Tbk's PS Ratio too high?
PT Adira Dinamika Multi Finance Tbk's current PS Ratio of 0.77 is 22% below median its 10-year median of 0.99. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 1.83. The Credit Services industry median PS Ratio is 2.86. PT Adira Dinamika Multi Finance Tbk's value of 0.77 is 73% below this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #77 out of 522 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #77 out of 522 companies for PS Ratio. This places PT Adira Dinamika Multi Finance Tbk in the top 15% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.86. PT Adira Dinamika Multi Finance Tbk's value of 0.77 is 73% below this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own PS Ratio has ranged from 0.66 to 1.83 over the past decade. While the company's 10-year median is 0.99 vs. the industry median of 2.86, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.86, based on 522 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS 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 PS Ratio of 0.77 is 73% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median PS Ratio is 2.86 — 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 PS Ratio is 0.77, which is 22% below median its own 10-year median of 0.99. 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 PS Ratio of 0.77. 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 PS Ratio is 0.77, which is 22% below median its 10-year median of 0.99 and 73% below the Credit Services industry median of 2.86. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (FRA:M63), the current PS Ratio is 0.77 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:
PS Ratio: 0.77 (22% below median its 10-year median of 0.99)
GF Value™: €0.52 vs. price of €0.35 (32.1% below fair value)
Industry Position: 73% below the Credit Services median (#77 of 522)
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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