The historical rank and industry rank for PT Adira Dinamika Multi Finance Tbk's Return-on-Tangible-Equity or its related term are showing as below:
ISX:ADMF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.69 Med: 17.9 Max: 28.93
Current: 13
During the past 13 years, PT Adira Dinamika Multi Finance Tbk's highest Return-on-Tangible-Equity was 28.93%. The lowest was 10.69%. And the median was 17.90%.
ISX:ADMF's Return-on-Tangible-Equity is ranked better than 71.37% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs ISX:ADMF: 13.00
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
PT Adira Dinamika Multi Finance Tbk Return-on-Tangible-Equity Related Terms
PT Adira Dinamika Multi Finance Tbk Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
ISX:ADMF vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.94% mean?
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a Return-on-Tangible-Equity of 12.94% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 28% below median its historical median of 17.90. Over the past decade, PT Adira Dinamika Multi Finance Tbk's Return-on-Tangible-Equity has ranged from 10.69 to 28.93. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #150 out of 524 companies in the Credit Services industry, placing it in the top 28.6%.
Is PT Adira Dinamika Multi Finance Tbk's Return-on-Tangible-Equity too high?
PT Adira Dinamika Multi Finance Tbk's current Return-on-Tangible-Equity of 12.94% is 28% below median its 10-year median of 17.90. Over the past 10 years, this metric has ranged from a low of 10.69 to a high of 28.93. The Credit Services industry median Return-on-Tangible-Equity is 7.06. PT Adira Dinamika Multi Finance Tbk's value of 12.94% is 83.4% above this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #150 out of 524 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #150 out of 524 companies for Return-on-Tangible-Equity. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.06. PT Adira Dinamika Multi Finance Tbk's value of 12.94% is 83.4% above this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own Return-on-Tangible-Equity has ranged from 10.69 to 28.93 over the past decade. While the company's 10-year median is 17.90 vs. the industry median of 7.06, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity of 12.94% is 83.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — 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 Return-on-Tangible-Equity is 12.94%, which is 28% below median its own 10-year median of 17.90. 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 Rp11,762.06, compared to a current price of Rp7,975.00 — trading 32.2% below its estimated fair value. The current Return-on-Tangible-Equity is 12.94%, which is 28% below median its 10-year median of 17.90 and 83.4% above the Credit Services industry median of 7.06. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current Return-on-Tangible-Equity is 12.94% 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 Rp7,975.00 is trading 32.2% below its estimated GF Value™ of Rp11,762.06.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:ADMF:
Return-on-Tangible-Equity: 12.94% (28% below median its 10-year median of 17.90)
GF Value™: Rp11,762.06 vs. price of Rp7,975.00 (32.2% below fair value)
Industry Position: 83.4% above the Credit Services median (#150 of 524)
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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