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Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
PT Bank QNB Indonesia Tbk (ISX:BKSW) Cash Flow from Operations Explanation
For companies reported in indirect method, cash flow from operations contains six items:
1. Net Income From Continuing Operations:
Net Income From Continuing Operations indicates the net income that a firm brings in from ongoing business activities. These activities are expected to continue into the next reporting period. It excludes extraordinary items, income from the cumulative effects of accounting changes, non-recurring items, income from tax loss carry forward, and preferred dividends.
PT Bank QNB Indonesia Tbk's net income from continuing operations for the
three
months ended in Jun. 2026 was Rp14,126 Mil.
2. Depreciation, Depletion and Amortization:
Depreciation is a present expense that accounts for the past cost of an asset that is now providing benefits.
Depletion and amortization are synonyms for depreciation.
Generally:
The term depreciation is used when discussing man made tangible assets
The term depletion is used when discussing natural tangible assets
The term amortization is used when discussing intangible assets
PT Bank QNB Indonesia Tbk's depreciation, depletion and amortization for the
three
months ended in Jun. 2026 was Rp13,637 Mil.
3. Change In Working Capital:
Working Capital is a measure of a company's short term liquidity or its ability to cover short term liabilities. It is defined as the difference between a company's current assets and current liabilities. Changes in Working Capital is reported in the cash flow statement since it is one of the major ways in which net income can differ from operating cash flow.
PT Bank QNB Indonesia Tbk's change in working capital for the
three
months ended in Jun. 2026 was Rp0 Mil. It means PT Bank QNB Indonesia Tbk's working capital
{id_Q12}
from Mar. 2026 to Jun. 2026 .
4. Deferred Tax:
It is the cash flow generated from deferred tax.
PT Bank QNB Indonesia Tbk's cash flow from deferred tax for the
three
months ended in Jun. 2026 was Rp0 Mil.
PT Bank QNB Indonesia Tbk's cash from discontinued operating Activities for the
three
months ended in Jun. 2026 was Rp0 Mil.
6. Asset Impairment Charge:
It is the charge against earnings resulting from the aggregate write down of all assets from their carrying value to their fair value.
PT Bank QNB Indonesia Tbk's asset impairment charge for the
three
months ended in Jun. 2026 was Rp0 Mil.
7. Stock Based Compensation:
It is a way corporations use stock options to reward employees. It provides executives and employees the opportunity to share in the growth of the company and, if structured properly, can align their interests with the interests of the company's shareholders and investors, without burning the company's cash on hand.
PT Bank QNB Indonesia Tbk's stock based compensation for the
three
months ended in Jun. 2026 was Rp0 Mil.
8. Cash Flow from Others:
These are cash differences caused by the change of inventory, accounts payable, accounts receivable etc. For instance, if a company pays its suppliers slower, its cash position will build up faster. If a company receives payments from its customers slower, its account receivables will rise, and its cash position will grow more slowly (or even shrink).
PT Bank QNB Indonesia Tbk's cash flow from others for the
three
months ended in Jun. 2026 was Rp1,559,936 Mil.
PT Bank QNB Indonesia Tbk Cash Flow from Operations Related Terms
PT Bank QNB Indonesia Tbk Cash Flow from Operations Historical Data
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The historical data trend for PT Bank QNB Indonesia Tbk's Cash Flow from Operations can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PT Bank QNB Indonesia Tbk Cash Flow from Operations Chart
PT Bank QNB Indonesia Tbk Cash Flow from Operations Calculation
Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
PT Bank QNB Indonesia Tbk's Cash Flow from Operations for the fiscal year that ended in Dec. 2025 is calculated as:
Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was Rp1,054,091 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash Flow from Operations of Rp1,054,091 Mil mean?
PT Bank QNB Indonesia Tbk (ISX:BKSW) has a Cash Flow from Operations of Rp1,054,091 Mil as of Jun. 2026. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for PT Bank QNB Indonesia Tbk and its competitors.
Is PT Bank QNB Indonesia Tbk's Cash Flow from Operations too high?
PT Bank QNB Indonesia Tbk's current Cash Flow from Operations is Rp1,054,091 Mil. Overall, PT Bank QNB Indonesia Tbk has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank QNB Indonesia Tbk's Cash Flow from Operations compare to competitors?
PT Bank QNB Indonesia Tbk's Cash Flow from Operations of Rp1,054,091 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Flow from Operations for a Banks company?
A good Cash Flow from Operations depends on the Banks industry context. However, Cash Flow from Operations should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Flow from Operations mean?
A high Cash Flow from Operations can signal that a stock is expensive relative to its fundamentals. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for PT Bank QNB Indonesia Tbk and its competitors. PT Bank QNB Indonesia Tbk's current Cash Flow from Operations is Rp1,054,091 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank QNB Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank QNB Indonesia Tbk (ISX:BKSW) is currently considered Fairly Valued. The stock's GF Value™ is Rp47.67, compared to a current price of Rp51.00 — trading 7% above its estimated fair value. The current Cash Flow from Operations is Rp1,054,091 Mil. PT Bank QNB Indonesia Tbk's overall GF Score™ is 55/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Operations calculated?
Cash Flow from Operations is calculated from a company's financial statements. For PT Bank QNB Indonesia Tbk (ISX:BKSW), the current Cash Flow from Operations is Rp1,054,091 Mil as of Jun. 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 Bank QNB Indonesia Tbk (ISX:BKSW) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank QNB Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp51.00 is trading 7% above its estimated GF Value™ of Rp47.67.
GuruFocus considers PT Bank QNB Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:BKSW:
Cash Flow from Operations: Rp1,054,091 Mil
GF Value™: Rp47.67 vs. price of Rp51.00 (7% above fair value)
No single metric tells the full story. See the ISX:BKSW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank QNB Indonesia Tbk is a financial institution engaged in providing personal banking and wholesale banking services, including savings accounts, deposits, demand deposits, term deposits, current accounts, and cash management. It also offers loans and advances, overdrafts, credit facilities, borrowings, and other credit facilities. In addition, it offers services of debit and credit cards, safe deposit boxes, export-import services, fund transfer, and related services. The group operates its business in the lines of Credit, Treasury, and Trade Finance. The majority of the company's revenue comprises interest and dividend income, fees, and commission received from domestic business. The company has divided its operations into several regions: Jakarta, Sumatra, Java, & the East Region.
55GF Score
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