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PT Adira Dinamika Multi Finance Tbk (ADMF.JK)
IDR7,975.00
-50.00 (-0.62%)
ID JKT Financial Services Financial - Credit Services
Address
Millennium Centennial Center Building 12920
Jakarta Selatan, ID
Jakarta Selatan, ID
CEO
I. Dewa Made Susila
Website
adira.co.id
IPO
2004-03-31
ISIN ID1000097504
Description
PT Adira Dinamika Multi Finance Tbk delivers a variety of financial services across Indonesia, including consumer loans, Islamic murabahah financing, and lease financing. The firm specializes in providing credit for both new and pre-owned motorcycles and automobiles. Additionally, it offers financing for electronics, home furnishings, and personal gadgets, alongside general Sharia-compliant financing options. Founded in 1990, its main headquarters are situated in Jakarta Selatan, Indonesia. PT Adira Dinamika Multi Finance Tbk operates as a subsidiary of PT Bank Danamon Indonesia Tbk.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
IDR7,975.00
-50.00 (-0.62%)
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Volume Profile
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Liquidity & share structure
Average Volume
191.2K
Beta
0.25
Float Shares
76.43M
Free Float %
7.6%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.59% | -0.89% | -4.83% | -4.01% | -4.01% | -1.18% | -6.16% | -17.89% | +4.36% | +93.87% | +260.22% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
7,975.00
DCF (Levered)
8,986.55
+12.7%
Ratings Trend (MoM)
0% Bullish
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.76
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
3 / 10
No MOAT
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +17.9%+52.7% ★ Q1'26: +69.2% (vs Q1'25)
-
EPS growth Financial - Credit Services: +17.2%-10.9% Q1'26: +41.5% (vs Q1'25)
-
FCF margin Financial - Credit Services: +31.1%+1.6% Q1'26: -6.3% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +32.4%+16.4% Q1'26: +19.3% (vs Q1'25)
-
ROIC Financial - Credit Services: +4.8%+4.5% Q1'26: +5.5% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+23.3% Q1'26: +22.6% (vs Q1'25)
-
Debt / EBITDA Financial - Credit Services: 3.75×9.25× Q1'26: 7.81× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
6.02T
est: 8.63T (-30.3%)
|
6.47T
est: 8.63T (-25.1%)
|
7.33T
est: 8.94T (-18.0%)
|
8.37T
est: 9.24T (-9.4%)
|
7.77T
est: 10.91T (-28.8%)
|
6.66T
est: 7.95T (-16.2%)
|
6.61T
est: 8.29T (-20.3%)
|
7.63T
est: 8.50T (-10.2%)
|
7.94T
est: 9.65T (-17.7%)
|
12.13T
est: 11.03T (+10.0%)
|
12.16T
12.16T – 12.16T
+10.3% YoY
|
| EBITDA |
100.90B
est: 1.15T (-91.2%)
|
869.23B
est: 1.15T (-24.6%)
|
1.29T
est: 1.19T (+8.1%)
|
1.64T
est: 1.23T (+32.9%)
|
736.56B
est: 1.46T (-49.4%)
|
571.84B
est: 1.06T (-46.1%)
|
1.07T
est: 1.11T (-3.3%)
|
1.63T
est: 1.13T (+43.5%)
|
884.38B
est: 1.45T (-39.1%)
|
2.19T
est: 1.66T (+31.8%)
|
1.83T
1.83T – 1.83T
+10.3% YoY
|
| EBIT |
-5.81B
est: 903.52B (-100.6%)
|
770.49B
est: 903.52B (-14.7%)
|
1.20T
est: 935.96B (+28.7%)
|
1.55T
est: 966.83B (+59.9%)
|
520.07B
est: 1.14T (-54.4%)
|
351.64B
est: 831.63B (-57.7%)
|
861.20B
est: 867.52B (-0.7%)
|
1.43T
est: 889.08B (+60.6%)
|
682.16B
est: 1.20T (-43.0%)
|
1.99T
est: 1.37T (+45.4%)
|
1.51T
1.51T – 1.51T
+10.3% YoY
|
| Net Income |
664.84B
|
1.01T
|
1.41T
|
1.82T
|
1.03T
|
1.21T
|
1.61T
|
1.94T
est: 122.00B (+1,493.5%)
|
1.41T
est: 189.87B (+640.9%)
|
1.54T
est: 214.52B (+620.2%)
|
—
— – —
-100.0% YoY
|
| SGA |
-101.34B
est: 1.09T (-109.3%)
|
40.06B
est: 1.09T (-96.3%)
|
406.68B
est: 1.13T (-63.9%)
|
940.91B
est: 1.16T (-19.2%)
|
1.04T
est: 1.38T (-24.1%)
|
1.09T
est: 1.00T (+8.5%)
|
1.00T
est: 1.05T (-4.1%)
|
694.44B
est: 1.07T (-35.2%)
|
715.40B
est: 1.55T (-53.9%)
|
3.73T
est: 1.77T (+110.4%)
|
1.95T
1.95T – 1.95T
+10.3% YoY
|
| EPS |
665.00
|
1,009.00
|
1,409.00
|
1,815.26
|
1,025.57
|
1,213.32
|
1,605.56
|
1,944.05
est: 122.00 (+1,493.5%)
|
1,406.68
est: 154.00 (+813.4%)
|
1,253.09
est: 174.00 (+620.2%)
|
—
— – —
-100.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-26 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-25 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-22 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-21 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-20 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-19 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-18 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-13 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-12 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-11 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-08 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-07 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-06 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-05 | A- | 4/5 | 3/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-04 | A- | 4/5 | 3/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-24 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-15 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-14 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-13 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-10 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-226.63B
OE per share TTM
-113.48
Owner's Yield
-2.21%
Maintenance CapEx ratio
14.42%
Maint CapEx / Avg PPE
6.1%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
135.36M
Shares Outstanding
999.60M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Aan Setiawandi | Head of Corporate Finance | — | male |
| Gandhy Inderayana | Head of Brand & Corporate Communication | — | male |
| I. Dewa Made Susila | Chief Executive Officer, Chief of Strategy & Transformation Officer and President director | — | male |
| Lindawati Soetopo | Head of Accounting & Tax | — | female |
| Lioeng Min | Chief of Operation, Risk & Legal Officer | — | male |
| Niko Kurniawan Bonggowarsito | Chief of Sales, Service & Distribution Officer, Chief Financial Officer and Director | — | male |
| Perry Barman Slangor | Head of Investor Relations & Funding | — | male |
| Swandajani Gunadi | Chief of Marketing Officer, Chief of HC Management & CREM Officer and Director | — | female |
| Sylvanus Gani Kukuh Mendrofa | Chief Financial Officer & Director | — | male |
| Veronika Dyah Puspitaningrum | Corporate Secretary and Head of Compliance & Anti Money Laundering unit | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for ADMF.JK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
