ADMF
Adira Dinamika Multi Finance Tbk.
8.450
09 Oct 2026
PER
5,63
PBV
0,69
ROE
12,31%
Current Ratio
1,20
DER
156,34%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Sektor
Keuangan
Sub Sektor
Jasa Pembiayaan
Industri
Pembiayaan Konsumen
Sub Industri
Pembiayaan Konsumen
Business Line
—
Product & Commodity
—
Info Umum
Tanggal Pencatatan
—
Mata Uang
IDR
Website
https://adira.co.id
Email
—
Telepon
—
Alamat
Millennium Centennial Center Building - Lt. 53-61, Jl. Gen. Sudirman Kav. 25 Setiabudi Rubber South, Jakarta Selatan
Tentang Perusahaan
PT Adira Dinamika Multi Finance Tbk provides consumer financing, murabahah financing, and finance leasing services in Indonesia. The company offers financing services for new and used motorcycles and cars. It also provides financing for electronics, furniture, gadgets, and sharia financing. 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.
Rasio
Rasio Profitabilitas
Gross Profit Margin (TTM)
58,60%
Operating Profit Margin (TTM)
12,47%
Net Profit Margin (TTM)
17,74%
Management Effectiveness
ROA (TTM)
4,80%
ROE (TTM)
12,31%
Asset Turnover (TTM)
0,27x
Rasio Liquiditas & Leverage
Current Ratio
1,20
Quick Ratio
1,20
Debt to Equity Ratio (DER)
156,34%
Rasio Aktivitas
Perputaran Aset (TTM)
0,27x
Inventory Turnover (TTM)
—
Receivables Turnover (TTM)
—
Valuasi
Current Valuation
Current PE Ratio (Annual)
6,74
Current PE Ratio (TTM)
5,63
Earning Yield (Annual)
14,83%
Earning Yield (TTM)
17,75%
Earning Yield (Greenblatt: EBIT/EV)
4,36%
Current Price to Book Value
0,69
Current Price to Sales (TTM)
1,00
Current Price to Cashflow (TTM)
—
EV to EBITDA (TTM)
18,86
Fair Value (Graham Number)
20.284
Per Share
EPS (Annual)
1.253
EPS (TTM)
1.500
Book Value per Share
12.191
Revenue per Share (Annual)
8.098
Revenue per Share (TTM)
8.461
Cash Flow per Share (Annual)
—
Cash Flow per Share (TTM)
—
Ukuran Perusahaan
Market Cap
10,42 T
Enterprise Value
29,83 T
Saham Beredar
1,23 M
Total Aset
38,53 T
Total Ekuitas
15,03 T
Free Cash Flow (Annual)
202,82 M
Growth (TTM vs Tahun Terbaru)
Revenue Growth
4,48%
Gross Profit Growth
7,08%
Net Income Growth
19,76%
Screening ala Graham
6 / 9
Bukan Saham Teknologi
Lulus
Termasuk Sektor Keuangan
Lulus
Revenue Lebih dari Rp175 Miliar
Lulus
Current Ratio > 2
Gagal
Utang Jangka Panjang < Modal Kerja Bersih
Gagal
PER Wajar (< 15)
Lulus
PER x PBV < 22
Lulus
DER Rendah (< 100%)
Gagal
Membagikan Dividen
Lulus
Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
4 / 9
Arus kas operasi positif
Gagal
ROA membaik
Gagal
Rasio utang jangka panjang menurun
Lulus
Kualitas laba (OCF > laba bersih)
Gagal
Laba bersih positif
Lulus
Jumlah saham tidak bertambah
Gagal
Gross margin membaik
Gagal
Current ratio membaik
Lulus
Asset turnover membaik
Lulus
Altman Z-Score
1.19
Modal Kerja / Total Aset
0.09
Laba Ditahan / Total Aset
0.31
EBIT / Total Aset
0.03
Nilai Pasar Ekuitas / Total Liabilitas
0.44
Penjualan / Total Aset
0.27
Zona
Distress Zone
Model prediksi risiko kebangkrutan Edward Altman (1968) — Z > 2,99 Safe Zone, 1,81–2,99 Grey Zone, di bawah 1,81 Distress Zone.
Graham Valuation
Fair Value (Graham Number)
20.284
Harga Saat Ini
8.450
Selisih
11.834
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Laba
Laba Naik
Laba Naik < 20%
Penjualan Turun < 20%
Hutang Turun < 20%
Pertumbuhan Rata-rata (CAGR)
Modal Naik Rata2 > 10%
Modal Naik Rata2 > 20%
Modal Naik Rata2 > 40%
Penjualan Naik Rata2 > 10%
Laba Naik Rata2 > 20%
Solvabilitas
DER < 0.5x
DER < 1x
Likuiditas
Aset Lancar > Hutang Lancar
Profitabilitas
ROE > 10%
Margin Laba Kotor > 20%
Margin Laba Kotor > 40%
Margin Laba Kotor > 60%
Margin Laba Kotor > 80%
Margin Laba Operasi > 10%
Margin Laba Operasi > 20%
Margin Laba Bersih > 10%
Margin Laba Bersih > 20%
Margin Laba Bersih > 30%
Valuasi
Nilai Buku < Harga
Laba Kotor
5,75 T
2018
4,16 T
2020
3,65 T
2021
3,74 T
2022
4,38 T
2023
5,52 T
2024
5,71 T
2025
Laba Bersih
1,82 T
2018
1,03 T
2020
1,21 T
2021
1,61 T
2022
1,94 T
2023
1,81 T
2024
1,54 T
2025
Margin Laba Kotor
98,8%
2018
53,6%
2020
54,9%
2021
56,5%
2022
57,5%
2023
57,5%
2024
57,2%
2025
Margin Laba Operasi
43,1%
2018
0,6%
2020
5,3%
2021
13,0%
2022
18,7%
2023
11,6%
2024
8,6%
2025
Margin Laba Bersih
31,2%
2018
13,2%
2020
18,2%
2021
24,3%
2022
25,5%
2023
18,9%
2024
15,5%
2025
Imbal Hasil Aset (ROA)
-
2018
-
2020
-
2021
6,5%
2022
6,3%
2023
4,7%
2024
4,0%
2025
Imbal Hasil Ekuitas (ROE)
-
2018
-
2020
-
2021
16,0%
2022
17,5%
2023
12,5%
2024
10,3%
2025
Current Ratio
-
2018
-
2020
-
2021
2,18x
2022
1,29x
2023
1,09x
2024
1,20x
2025
Quick Ratio
-
2018
-
2020
-
2021
2,18x
2022
1,29x
2023
1,09x
2024
1,20x
2025
Debt to Equity Ratio (DER)
-
2018
-
2020
-
2021
148,2%
2022
179,0%
2023
163,8%
2024
156,3%
2025
Perputaran Aset
-
2018
-
2020
-
2021
0,27x
2022
0,25x
2023
0,25x
2024
0,26x
2025
Perputaran Persediaan
-
2018
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Perputaran Piutang
-
2018
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Tren historis per tahun buku berdasarkan laporan laba rugi & neraca yang tersedia. Batang berwarna merah menandakan nilai negatif.
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 10.431.365.000.000 | 9.984.436.000.000 | 9.596.330.000.000 | 7.627.043.000.000 | 6.607.917.000.000 | 6.658.276.000.000 | 7.769.140.000.000 | 5.818.380.000.000 |
| Cost of Revenue | 4.319.041.000.000 | 4.276.382.000.000 | 4.079.254.000.000 | 3.242.382.000.000 | 2.872.083.000.000 | 3.004.106.000.000 | 3.607.310.000.000 | 69.232.000.000 |
| Gross Profit | 6.112.324.000.000 | 5.708.054.000.000 | 5.517.076.000.000 | 4.384.661.000.000 | 3.735.834.000.000 | 3.654.170.000.000 | 4.161.830.000.000 | 5.749.150.000.000 |
| Operating Expenses | 4.811.105.000.000 | 4.852.048.000.000 | 4.405.326.000.000 | 2.956.189.000.000 | 2.874.639.000.000 | 3.302.531.000.000 | 4.115.090.000.000 | 3.311.460.000.000 |
| Operating Income | 1.301.219.000.000 | 856.006.000.000 | 1.111.750.000.000 | 1.428.472.000.000 | 861.195.000.000 | 351.639.000.000 | 46.741.000.000 | 2.506.930.000.000 |
| EBIT | 1.301.219.000.000 | 856.006.000.000 | 1.111.750.000.000 | 1.428.472.000.000 | 861.195.000.000 | — | 0 | 0 |
| Income Before Tax | 2.398.217.000.000 | 1.988.844.000.000 | 2.286.372.000.000 | 2.472.669.000.000 | 2.039.724.000.000 | 1.601.894.000.000 | 1.476.440.000.000 | 2.484.570.000.000 |
| Net Income | 1.850.163.000.000 | 1.544.938.000.000 | 1.810.801.000.000 | 1.944.047.000.000 | 1.605.555.000.000 | 1.213.316.000.000 | 1.025.570.000.000 | 1.815.260.000.000 |
| Basic EPS | 1.500,00 | 1.253,00 | 1.538,00 | 1.944,00 | 1.606,00 | 1.213,00 | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 38.529.195.000.000 | 38.372.929.000.000 | 31.007.222.000.000 | 24.897.205.000.000 |
| Aset Lancar | 20.004.402.000.000 | 18.091.013.000.000 | 15.158.561.000.000 | 12.016.531.000.000 |
| Kas | 820.916.000.000 | 1.959.219.000.000 | 1.435.491.000.000 | 1.286.362.000.000 |
| Piutang | — | — | — | — |
| Persediaan | — | — | — | — |
| Total Liabilitas | 23.498.757.000.000 | 23.823.898.000.000 | 19.895.036.000.000 | 14.864.819.000.000 |
| Liabilitas Lancar | 16.606.495.000.000 | 16.553.441.000.000 | 11.762.277.000.000 | 5.509.838.000.000 |
| Long Term Debt | 6.100.977.000.000 | 6.327.126.000.000 | 7.022.538.000.000 | 8.273.914.000.000 |
| Total Ekuitas | 15.030.438.000.000 | 14.549.031.000.000 | 11.112.186.000.000 | 10.032.386.000.000 |
| Working Capital | 3.397.907.000.000 | 1.537.572.000.000 | 3.396.284.000.000 | 6.506.693.000.000 |
| Item | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | 1.076.566.000.000 | 453.679.000.000 | 277.550.000.000 | -4.052.033.000.000 | 829.350.000.000 |
| Kas dari Aktivitas Investasi | 282.788.000.000 | -237.259.000.000 | -1.157.983.000.000 | -533.488.000.000 | -16.576.000.000 |
| Kas dari Aktivitas Pembiayaan | -1.490.085.000.000 | -1.354.723.000.000 | 505.393.000.000 | 4.734.650.000.000 | -1.163.962.000.000 |
| Capital Expenditures | -128.783.000.000 | -250.864.000.000 | -305.462.000.000 | -149.019.000.000 | -47.793.000.000 |
| Arus Kas Bebas (FCF) | 947.783.000.000 | 202.815.000.000 | -27.912.000.000 | -4.201.052.000.000 | 781.557.000.000 |
| Dividen Dibayar | -772.372.000.000 | -982.466.000.000 | -972.000.000.000 | -803.000.000.000 | -607.000.000.000 |