1. Indonesia Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
PT Adira Dinamika Multi Finance Tbk

PT Adira Dinamika Multi Finance Tbk

ADMF.JK
PT Adira Dinamika Multi Finance TbkID flagIndonesia Stock Exchange
8,000.00
IDR
-50.00
- -
8.00TMarket Cap
PT Adira Dinamika Multi Finance Tbk
ADMF.JK
(Indonesia Stock Exchange)

Recent

price

8,000.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2,118.89
3,022.79
4,208.1
5,123.95
5,954.99
6,018.52
6,465.35
7,332.07
8,366.4
9,182.87
7,769.14
6,658.28
6,607.92
7,627.04
8,152
8,098.34
6,696.8
Revenue per Share
1,467.91
1,583.32
1,418.64
1,707.2
792.16
664.84
1,009.35
1,409.15
1,815.26
2,108.69
1,025.57
1,213.32
1,605.56
1,944.05
1,538.26
1,253.09
1,092.71
Basic EPS, GAAP
-91.27
-143.17
-116.8
-102.27
-145.95
-77.75
-88.48
-96.05
-150.87
-155.3
-134.67
-70.2
-47.79
-149.02
-259.49
-203.47
-233.43
Free Cash Flow per Basic Share
242.48
954.14
791.5
709.3
2,700
396
332.5
505
704.5
908
1,054.5
513
607
803
825.71
796.87
- -
Dividend per Share
3,794.76
4,364.33
4,975.63
5,947.6
4,000.55
4,225.99
4,865.07
5,649.12
6,936.97
8,061.87
8,035.87
8,805.91
9,821.94
10,883.05
9,606.22
9,763.21
9,056.06
Book Value per Share
3,759.92
4,392.86
4,994.72
5,962.6
3,971.5
4,286.8
4,896.85
5,639.37
6,908.37
7,918.3
7,823.9
8,777.07
9,903.66
10,991.53
12,065.93
11,919.92
8,991.01
Tangible Book Value per Share
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,177
1,233
1,236
Basic Weighted Avg Shares
2,118,888
3,022,790
4,208,104
5,123,952
5,954,994
6,018,518
6,465,351
7,332,068
8,366,399
9,182,872
7,769,138
6,658,276
6,607,917
7,627,043
9,596,330
9,984,436
8,275,923
Sales/Revenue/Turnover
97.54
57.21
31.47
29.15
3.06
-0.1
11.92
16.44
18.48
20.29
6.69
5.28
13.03
18.73
11.59
8.57
6.9
Operating Margin (%)
- -
55,371
87,080
92,940
103,845
106,714
98,744
85,631
92,751
95,594
216,489
220,199
208,059
199,130
255,772
291,200
232,220
Depreciation Expense
1,467,906
1,583,321
1,418,638
1,707,205
792,165
664,836
1,009,351
1,409,150
1,815,263
2,108,691
1,025,573
1,213,316
1,605,555
1,944,047
1,810,801
1,544,938
1,350,377
Net Income, GAAP
24.01
25.02
25.17
25.19
25.31
26.17
41.18
33.59
26.94
26.76
30.54
24.26
21.29
21.38
20.8
22.32
19.88
Effective Tax Rate (%)
69.28
52.38
33.71
33.32
13.3
11.05
15.61
19.22
21.7
22.96
13.2
18.22
24.3
25.49
18.87
15.47
16.32
Profit Margin (%)
6,455,940
12,674,444
3,414,229
19,912,833
16,600,019
9,647,881
13,410,390
11,734,532
17,254,566
14,847,608
16,213,059
17,525,498
6,506,693
3,396,284
1,537,572
3,397,907
11,891,879
Working Capital
2,585,232
7,804,943
8,547,832
13,796,460
12,408,936
5,737,358
8,622,979
5,813,198
10,189,907
6,127,807
8,013,934
8,559,384
8,424,858
7,150,587
6,436,734
6,180,043
15,293,760
LT Debt
3,794,759
4,421,369
5,035,767
6,010,234
4,033,675
4,360,789
4,977,199
5,745,415
7,028,199
8,078,795
8,010,437
8,946,372
10,032,386
11,112,186
14,549,031
15,030,438
11,430,642
Total Equity
31.29
11.96
5.15
4.3
0.48
-0.02
1.78
3.11
4.1
4.55
1.29
1.18
3.29
4.63
2.81
1.88
1.49
Return on Invested Capital (%)
31.62
18.44
12.11
11.45
8.83
8.6
8.48
7.75
8.77
9.18
5.53
5.4
7.94
8.17
6.16
4.83
4.46
Return on Capital (%)
45.54
38.81
30.38
31.26
15.93
16.16
22.21
26.8
28.85
28.12
12.74
14.41
17.24
18.78
16.32
13.24
12.36
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
13,945,626
3,225,003
1,809,127
LT Borrowings
6,327,126
14,236,867
15,196,633
LT Finance Leases
109,608
103,430
97,127
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,000
1,000
1,000
Market Capitalization
9,850,000
11,369,389
10,905,962

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
18,091,013
16,012,356
15,565,980
Cash, Cash Equivalents & STI
2,356,089
1,839,025
1,518,542
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
16,553,441
5,926,827
3,674,101
Payables & Accruals
- -
- -
- -
ST Debt
13,945,626
3,225,003
1,809,127
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.48%
13.76%
3.31%
Free Cash Flow
28.82%
43.82%
-17.87%
Net Income, GAAP
13.52%
10.04%
-14.68%
Sales/Revenue/Turnover
5.95%
6.04%
4.04%
Total Cash Common Dividend
14.18%
4.28%
1.08%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,998,907
2,021,258
1,977,629
1,943,944
9,596,330
2025
2,471,738
1,882,612
4,292,045
- -
9,984,436
2026
2,657,163
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
432.11
- -
- -
- -
1,538.26
2025
312.15
- -
- -
- -
1,253.09
2026
391.75
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
825.71
2025
- -
- -
- -
- -
796.87
2026
- -
- -
- -
- -
- -
Similar Companies
PT Sarana Mitra Luas Tbk (SMIL.JK)
REC Limited (RECLTD.BO)
Gama Management and Clearing Ltd (GMA.TA)
Laxmi India Finance Limited (LAXMIINDIA.NS)
Econo Trade (India) Ltd (ETIL.BO)
Federal Agricultural Mortgage Corporation (AGM-PF)
Business
PT Adira Dinamika Multi Finance Tbk (ADMF.JK) operates as a leading non-bank financial institution in Indonesia, providing a wide range of consumer financing services, including multipurpose loans, vehicle financing for motorcycles and cars, heavy equipment financing, and Sharia-compliant financing products; it also offers payroll loans, property financing, and leasing services through its digital platforms and branch network. The company serves individual consumers, small and medium enterprises, and corporate clients across Indonesia, with a primary focus on the automotive, property, and heavy machinery sectors. Founded in 1990 and headquartered in Jakarta, Indonesia, Adira Finance maintains an extensive operational footprint throughout the archipelago, supported by over 200 branches and partnerships with major manufacturers and dealers. In recent developments, the company expanded its digital lending capabilities with the launch of enhanced mobile app features in 2024, enabling faster loan approvals and broader customer access; it also formed strategic alliances with leading automotive brands for exclusive financing programs and completed a significant bond issuance in late 2024 to bolster its funding base amid economic recovery. Additionally, Adira Finance restructured its Sharia business unit in early 2025 to comply with updated regulatory standards from Otoritas Jasa Keuangan (OJK), positioning it for growth in the growing Islamic finance market. As a subsidiary of Bank Danamon Indonesia, the company benefits from integrated banking synergies while maintaining its independent focus on consumer and commercial finance segments.