Adira Dinamika Multi Finance (ADMF) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Adira Dinamika Multi Finance IDR 6,827, price IDR 8,725, upside -21.8%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 5,116 IDR – 11,375 IDR · fair‑value band 5,095 IDR – 12,686 IDR · the 8,725 IDR price screens above the 6,827 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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PT Adira Dinamika Multi Finance Tbk provides consumer financing, murabahah financing, and finance leasing services in Indonesia. It provides solution funds, car and motorcycle loans, and business credit.
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PT Adira Dinamika Multi Finance Tbk provides consumer financing, murabahah financing, and finance leasing services in Indonesia. It provides solution funds, car and motorcycle loans, and business credit. The company also offers sharia car and motorcycle financing, umrah financing, amanah fund solution and hasanah (hajj plus adira syariah), as well as provides digital solutions. The company was founded in 1990 and is headquartered in Jakarta Selatan, Indonesia. PT Adira Dinamika Multi Finance Tbk is a subsidiary of PT Bank Danamon Indonesia Tbk.
Stock analysis
Adira Dinamika Multi Finance (ADMF) currently trades at 8,725 IDR, while our model-based Fair Value estimate is 6,827 IDR, implying the stock looks roughly 27.8% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 16,382 IDR per share, and 7 of the 11 models we run sit above the 8,725 IDR price.
Bear case: the Growth DCF group reads lowest at 7,072 IDR, and 4 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: 5,095 IDR (bear) to 12,686 IDR (bull), the price of 8,725 IDR sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Adira Dinamika Multi Finance reported revenue of 12.1T IDR in FY2025 versus 6.7T IDR in FY2021, a compound +16.2%/yr. Reported net income was 1.5T IDR in FY2025, compounding +6.2%/yr from FY2021.
Key figures
Market cap 10.8T IDR (≈ $1.1B) · P/E ratio 6.5 · P/S ratio 0.83 · EPS (TTM) 1,333 IDR · Net margin 12.7% · Return on equity 12.3% · Return on assets (EBIT) 3.4% · Operating margin 30.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 17% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −22%, ADMF screens cheaper than that median.
Fair Value models
Bear 5,095 IDRFair Value 6,827 IDRBull 12,686 IDR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (975.08 IDR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+52.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.3%
Start year 2020 (pandemic). Over 10 years: +7.3% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.4%
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What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+0.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.6%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.1% vs 5%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.7% → 16%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+50.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Indonesia: IMF forecast 2.6% a year to 2030, 2.9% from 2016 to 2025) that is about +46.7% a year for the price.
Compare Adira Dinamika Multi Finance with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 330 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside−22% · Below median
Profitability
Return on equity (TTM)12% · Above median
Return on assets5% · Above median
Net margin (TTM)22% · Above median
Operating margin (TTM)30% · Below median
Growth and dividend
Revenue growth18% · Above median
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity1.04× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Adira Dinamika Multi Finance Fair Value". https://www.fairvalue-calculator.com/stock/ADMF
Frequently asked questions
Is Adira Dinamika Multi Finance (ADMF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 6,827 IDR versus a price of 8,725 IDR, about −22% upside (overvalued).
What is the fair value of ADMF?
Our model-based fair value for Adira Dinamika Multi Finance is 6,827 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 8,725 IDR.
What is the quality score of ADMF?
Adira Dinamika Multi Finance has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Adira Dinamika Multi Finance (ADMF)?
Our model-based price target is the fair value of 6,827 IDR (as of Sep 24, 2026) from 11 valuation models. Cautious scenario 5,095 IDR, optimistic scenario 12,686 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Adira Dinamika Multi Finance stock forecast for 2026?
Our models put fair value at 6,827 IDR, about −22% upside versus a price of 8,725 IDR (overvalued). Cautious scenario 5,095 IDR, optimistic scenario 12,686 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Adira Dinamika Multi Finance (ADMF)?
Adira Dinamika Multi Finance reported trailing-twelve-month revenue of about 7.5T IDR (latest available figure, as of Sep 24, 2026).
What growth is priced into Adira Dinamika Multi Finance (ADMF)?
For today's price to be fair in a discounted-cash-flow model, Adira Dinamika Multi Finance would have to grow free cash flow by +50.5 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.3 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of ADMF use?
Our models discount Adira Dinamika Multi Finance at 12.0 %: a base by market capitalisation (small), damped by beta 0.25, country premium for Indonesia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Adira Dinamika Multi Finance that is +50.5 % per year a year over ten years, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has Adira Dinamika Multi Finance (ADMF) delivered so far?
Over the past 5 years revenue at Adira Dinamika Multi Finance grew +9.3 % a year. The price currently implies +50.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Adira Dinamika Multi Finance (ADMF) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Adira Dinamika Multi Finance (+50.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Adira Dinamika Multi Finance (ADMF)?
The free-cash-flow yield on the price is 3.33 %: that much free cash flow Adira Dinamika Multi Finance produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Adira Dinamika Multi Finance (ADMF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Adira Dinamika Multi Finance it is 6,827 IDR per share (as of Sep 24, 2026), against a price of 8,725 IDR. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Adira Dinamika Multi Finance stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ADMF trades above its calculated fair value: price 8,725 IDR, fair value 6,827 IDR, a gap of about −22% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ADMF?
No. The price is what the market pays today (8,725 IDR); the fair value is what the company's own numbers justify (6,827 IDR). For Adira Dinamika Multi Finance the two are 1,898 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Adira Dinamika Multi Finance worth?
The market values Adira Dinamika Multi Finance at about 10.8T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 8,725 IDR; our models calculate a fair value of 6,827 IDR per share.
What do the bullish and bearish scenarios say about ADMF?
Our models span a range for Adira Dinamika Multi Finance: cautious scenario 5,095 IDR, base 6,827 IDR, optimistic 12,686 IDR per share (as of Sep 24, 2026, price 8,725 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ADMF?
Adira Dinamika Multi Finance trades at a price-to-earnings ratio of 6.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 6,827 IDR is built from several models across several years. Other multiples: P/B 0.7, P/S 1.4, EV/EBITDA 11.7.
How solid is the balance sheet of Adira Dinamika Multi Finance (ADMF)?
Balance-sheet figures for Adira Dinamika Multi Finance (as of Sep 24, 2026): return on equity 12.3%, debt of 1.04 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is ADMF from its 52-week high?
Adira Dinamika Multi Finance trades at 8,725 IDR, about 3% below its 52-week high of 8,975 IDR and 17% above the low of 7,446 IDR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 6,827 IDR is for.
Which stocks are comparable to Adira Dinamika Multi Finance?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Adira Dinamika Multi Finance stock attractive at the current price?
The data as of Sep 24, 2026: price 8,725 IDR, calculated fair value 6,827 IDR (−22%), Quality Score 40/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ADMF calculated?
We run Adira Dinamika Multi Finance through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 6,827 IDR, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Adira Dinamika Multi Finance itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Adira Dinamika Multi Finance (ADMF)?
The closing price on Sep 23, 2026 was 8,725 IDR. Our model-based fair value is 6,827 IDR, about −22% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Adira Dinamika Multi Finance right now?
Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (5,095 IDR to 12,686 IDR) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Adira Dinamika Multi Finance (ADMF) come from?
Earnings per share at Adira Dinamika Multi Finance grew +5.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.6 %, EBIT margin +7.6 %, tax rate +2.2 %, residual (interest, one-offs) −7.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Adira Dinamika Multi Finance
How large is the market capitalisation of Adira Dinamika Multi Finance (ADMF)?
The market capitalisation of Adira Dinamika Multi Finance is 10.8T IDR (≈ $1.1B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Adira Dinamika Multi Finance (ADMF)?
The price-to-sales ratio of Adira Dinamika Multi Finance is 0.83 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Adira Dinamika Multi Finance (ADMF)?
Earnings per share at Adira Dinamika Multi Finance are 1,333 IDR (price ÷ EPS = P/E 6.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Adira Dinamika Multi Finance (ADMF)?
The net margin of Adira Dinamika Multi Finance is 12.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Adira Dinamika Multi Finance (ADMF)?
The return on equity (ROE) of Adira Dinamika Multi Finance is 12.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Adira Dinamika Multi Finance (ADMF)?
On an EBIT basis the return on assets of Adira Dinamika Multi Finance is 3.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Adira Dinamika Multi Finance (ADMF)?
The operating margin of Adira Dinamika Multi Finance is 30.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Adira Dinamika Multi Finance (ADMF)?
Revenue at Adira Dinamika Multi Finance is growing +18.2% versus a year earlier (3y avg +22.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Adira Dinamika Multi Finance (ADMF)?
Earnings per share at Adira Dinamika Multi Finance are growing +2.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Adira Dinamika Multi Finance (ADMF) carry?
The net debt of Adira Dinamika Multi Finance is 19.4T IDR (fiscal year 2025, ≈ 54.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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