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Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. PT Adira Dinamika Multi Finance Tbk's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 153.72%.
The historical rank and industry rank for PT Adira Dinamika Multi Finance Tbk's ROC (Joel Greenblatt) % or its related term are showing as below:
ISX:ADMF'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 26.09 Med: 112.14 Max: 309.49
Current: 144.62
During the past 13 years, PT Adira Dinamika Multi Finance Tbk's highest ROC (Joel Greenblatt) % was 309.49%. The lowest was 26.09%. And the median was 112.14%.
ISX:ADMF's ROC (Joel Greenblatt) % is ranked better than 62.32% of 414
companies
in the Credit Services industry
Industry Median: 38.59
vs ISX:ADMF: 144.62
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
* 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.
ISX:ADMF vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's ROC (Joel Greenblatt) % falls into.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT 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.
What does a ROC (Joel Greenblatt) % of 153.72% mean?
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a ROC (Joel Greenblatt) % of 153.72% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 37% above median its historical median of 112.14. Over the past decade, PT Adira Dinamika Multi Finance Tbk's ROC (Joel Greenblatt) % has ranged from 26.09 to 309.49. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #156 out of 414 companies in the Credit Services industry, placing it in the top 37.7%.
Is PT Adira Dinamika Multi Finance Tbk's ROC (Joel Greenblatt) % too high?
PT Adira Dinamika Multi Finance Tbk's current ROC (Joel Greenblatt) % of 153.72% is 37% above median its 10-year median of 112.14. Over the past 10 years, this metric has ranged from a low of 26.09 to a high of 309.49. The Credit Services industry median ROC (Joel Greenblatt) % is 38.59. PT Adira Dinamika Multi Finance Tbk's value of 153.72% is 298.3% above this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #156 out of 414 companies in the Credit Services industry, which is above the industry midpoint. 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #156 out of 414 companies for ROC (Joel Greenblatt) %. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 38.59. PT Adira Dinamika Multi Finance Tbk's value of 153.72% is 298.3% above this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own ROC (Joel Greenblatt) % has ranged from 26.09 to 309.49 over the past decade. While the company's 10-year median is 112.14 vs. the industry median of 38.59, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.59, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % of 153.72% is 298.3% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.59 — 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 ROC (Joel Greenblatt) % is 153.72%, which is 37% above median its own 10-year median of 112.14. 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 Rp11,779.62, compared to a current price of Rp8,300.00 — trading 29.5% below its estimated fair value. The current ROC (Joel Greenblatt) % is 153.72%, which is 37% above median its 10-year median of 112.14 and 298.3% above the Credit Services industry median of 38.59. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current ROC (Joel Greenblatt) % is 153.72% 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 Rp8,300.00 is trading 29.5% below its estimated GF Value™ of Rp11,779.62.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:ADMF:
ROC (Joel Greenblatt) %: 153.72% (37% above median its 10-year median of 112.14)
GF Value™: Rp11,779.62 vs. price of Rp8,300.00 (29.5% below fair value)
Industry Position: 298.3% above the Credit Services median (#156 of 414)
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.
69GF Score
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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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