ISX:ADMF's ROE % is ranked better than 74.67% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs ISX:ADMF: 12.67
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
PT Adira Dinamika Multi Finance Tbk ROE % Related Terms
PT Adira Dinamika Multi Finance Tbk ROE % 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.
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's ROE % distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a ROE % of 12.65% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is 28% below median its historical median of 17.66. Over the past decade, PT Adira Dinamika Multi Finance Tbk's ROE % has ranged from 10.45 to 28.42. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #134 out of 529 companies in the Credit Services industry, placing it in the top 25.3%.
Is PT Adira Dinamika Multi Finance Tbk's ROE % too high?
PT Adira Dinamika Multi Finance Tbk's current ROE % of 12.65% is 28% below median its 10-year median of 17.66. Over the past 10 years, this metric has ranged from a low of 10.45 to a high of 28.42. The Credit Services industry median ROE % is 6.61. PT Adira Dinamika Multi Finance Tbk's value of 12.65% is 91.4% above this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #134 out of 529 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #134 out of 529 companies for ROE %. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median ROE % is 6.61. PT Adira Dinamika Multi Finance Tbk's value of 12.65% is 91.4% above this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own ROE % has ranged from 10.45 to 28.42 over the past decade. While the company's 10-year median is 17.66 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % of 12.65% is 91.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median ROE % is 6.61 — 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 ROE % is 12.65%, which is 28% below median its own 10-year median of 17.66. 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 Rp11,733.52, compared to a current price of Rp8,025.00 — trading 31.6% below its estimated fair value. The current ROE % is 12.65%, which is 28% below median its 10-year median of 17.66 and 91.4% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current ROE % is 12.65% 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 Rp11,733.52.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:ADMF:
ROE %: 12.65% (28% below median its 10-year median of 17.66)
GF Value™: Rp11,733.52 vs. price of Rp8,025.00 (31.6% below fair value)
Industry Position: 91.4% above the Credit Services median (#134 of 529)
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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