Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The historical rank and industry rank for PT Adira Dinamika Multi Finance Tbk's 5-Year Yield-on-Cost % or its related term are showing as below:
ISX:ADMF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.5 Med: 8.49 Max: 17.73
Current: 7.78
During the past 13 years, PT Adira Dinamika Multi Finance Tbk's highest Yield on Cost was 17.73. The lowest was 5.50. And the median was 8.49.
ISX:ADMF's 5-Year Yield-on-Cost % is ranked better than 74.41% of 211
companies
in the Credit Services industry
Industry Median: 4.55
vs ISX:ADMF: 7.78
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
PT Adira Dinamika Multi Finance Tbk 5-Year Yield-on-Cost % Related Terms
ISX:ADMF vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, PT Adira Dinamika Multi Finance Tbk's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Adira Dinamika Multi Finance Tbk's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where PT Adira Dinamika Multi Finance Tbk's 5-Year Yield-on-Cost % falls into.
PT Adira Dinamika Multi Finance Tbk 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
PT Adira Dinamika Multi Finance Tbk (ISX:ADMF) has a 5-Year Yield-on-Cost % of 7.78 as of Jul. 22, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. This is near median its historical median of 8.49. Over the past decade, PT Adira Dinamika Multi Finance Tbk's 5-Year Yield-on-Cost % has ranged from 5.50 to 17.73. According to the industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #54 out of 211 companies in the Credit Services industry, placing it in the top 25.6%.
Is PT Adira Dinamika Multi Finance Tbk's 5-Year Yield-on-Cost % too high?
PT Adira Dinamika Multi Finance Tbk's current 5-Year Yield-on-Cost % of 7.78 is near median its 10-year median of 8.49. Over the past 10 years, this metric has ranged from a low of 5.50 to a high of 17.73. The Credit Services industry median 5-Year Yield-on-Cost % is 4.55. PT Adira Dinamika Multi Finance Tbk's value of 7.78 is 71% above this industry median. Based on the distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #54 out of 211 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT Adira Dinamika Multi Finance Tbk has a GF Score™ of 68/100 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 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, PT Adira Dinamika Multi Finance Tbk ranks #54 out of 211 companies for 5-Year Yield-on-Cost %. This puts PT Adira Dinamika Multi Finance Tbk in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.55. PT Adira Dinamika Multi Finance Tbk's value of 7.78 is 71% above this benchmark. Historically, PT Adira Dinamika Multi Finance Tbk's own 5-Year Yield-on-Cost % has ranged from 5.50 to 17.73 over the past decade. While the company's 10-year median is 8.49 vs. the industry median of 4.55, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % of 7.78 is 71% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PT Adira Dinamika Multi Finance Tbk and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — 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 5-Year Yield-on-Cost % is 7.78, which is near median its own 10-year median of 8.49. 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 Rp11,790.60, compared to a current price of Rp8,275.00 — trading 29.8% below its estimated fair value. The current 5-Year Yield-on-Cost % is 7.78, which is near median its 10-year median of 8.49 and 71% above the Credit Services industry median of 4.55. PT Adira Dinamika Multi Finance Tbk's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For PT Adira Dinamika Multi Finance Tbk (ISX:ADMF), the current 5-Year Yield-on-Cost % is 7.78 as of Jul. 22, 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 Rp8,275.00 is trading 29.8% below its estimated GF Value™ of Rp11,790.60.
GuruFocus considers PT Adira Dinamika Multi Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:ADMF:
5-Year Yield-on-Cost %: 7.78 (near median its 10-year median of 8.49)
GF Value™: Rp11,790.60 vs. price of Rp8,275.00 (29.8% below fair value)
Industry Position: 71% above the Credit Services median (#54 of 211)
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.
68GF Score
Get the complete analysis for ISX:ADMF
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISX:ADMF has been successfully added to your 
