PT Bank Pan Indonesia Tbk (FRA:PTQ) Cyclically Adjusted Book per Share: €0.09 (As of Mar. 2026)


FRA:PTQ PT Bank Pan Indonesia Tbk FRA:PTQ
62 GF Score
Price €0.04
GF Value €0.05
! 2 Warning Signs
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What is PT Bank Pan Indonesia Tbk Cyclically Adjusted Book per Share?

PT Bank Pan Indonesia Tbk FRA:PTQ 62 Cyclically Adjusted Book per Share is €0.09 as of Mar. 2026. GuruFocus rates FRA:PTQ with a GF Score™ of 62/100 and a GF Value™ of €0.05. The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

PT Bank Pan Indonesia Tbk's adjusted book value per share for the three months ended in Mar. 2026 was €0.115. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €0.09 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank Pan Indonesia Tbk's average Cyclically Adjusted Book Growth Rate was 7.60% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 7.80% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 8.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of PT Bank Pan Indonesia Tbk was 9.50% per year. The lowest was 7.80% per year. And the median was 8.90% per year.

As of today (2026-07-09), PT Bank Pan Indonesia Tbk's current stock price is €0.035. PT Bank Pan Indonesia Tbk's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €0.09. PT Bank Pan Indonesia Tbk's Cyclically Adjusted PB Ratio of today is 0.39.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of PT Bank Pan Indonesia Tbk was 1.75. The lowest was 0.42. And the median was 0.68.


PT Bank Pan Indonesia Tbk  (FRA:PTQ) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

PT Bank Pan Indonesia Tbk's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=0.035/0.09
=0.39

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of PT Bank Pan Indonesia Tbk was 1.75. The lowest was 0.42. And the median was 0.68.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


PT Bank Pan Indonesia Tbk Cyclically Adjusted Book per Share Related Terms


PT Bank Pan Indonesia Tbk Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for PT Bank Pan Indonesia Tbk's Cyclically Adjusted Book per Share 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 Pan Indonesia Tbk Cyclically Adjusted Book per Share Chart

PT Bank Pan Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.07 0.08 0.08 0.10 0.09

PT Bank Pan Indonesia Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.10 0.09 0.10 0.09 0.09

PT Bank Pan Indonesia Tbk Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, PT Bank Pan Indonesia Tbk's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PT Bank Pan Indonesia Tbk Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Pan Indonesia Tbk's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where PT Bank Pan Indonesia Tbk's Cyclically Adjusted PB Ratio falls into.


FRA:PTQ
62GF Score
PT Bank Pan Indonesia Tbk FRA:PTQ
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Pan Indonesia Tbk Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PT Bank Pan Indonesia Tbk's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.115/136.5387*136.5387
=0.115

Current CPI (Mar. 2026) = 136.5387.

PT Bank Pan Indonesia Tbk Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.082 103.212 0.108
201609 0.087 104.142 0.114
201612 0.093 105.222 0.121
201703 0.094 106.476 0.121
201706 0.092 107.722 0.117
201709 0.088 108.020 0.111
201712 0.088 109.017 0.110
201803 0.085 110.097 0.105
201806 0.090 111.085 0.111
201809 0.086 111.135 0.106
201812 0.095 112.430 0.115
201903 0.100 112.829 0.121
201906 0.101 114.730 0.120
201909 0.107 114.905 0.127
201912 0.110 115.486 0.130
202003 0.097 116.252 0.114
202006 0.105 116.630 0.123
202009 0.099 116.397 0.116
202012 0.107 117.318 0.125
202103 0.104 117.840 0.121
202106 0.105 118.184 0.121
202109 0.111 118.262 0.128
202112 0.117 119.516 0.134
202203 0.120 120.948 0.135
202206 0.122 123.322 0.135
202209 0.129 125.298 0.141
202212 0.119 126.098 0.129
202303 0.122 126.953 0.131
202306 0.127 127.663 0.136
202309 0.126 128.151 0.134
202312 0.122 129.395 0.129
202403 0.123 130.607 0.129
202406 0.120 130.792 0.125
202409 0.127 130.361 0.133
202412 0.129 131.432 0.134
202503 0.124 131.948 0.128
202506 0.117 133.241 0.120
202509 0.116 133.819 0.118
202512 0.117 135.271 0.118
202603 0.115 136.539 0.115

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €0.09 mean?
PT Bank Pan Indonesia Tbk (FRA:PTQ) has a Cyclically Adjusted Book per Share of €0.09 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on PT Bank Pan Indonesia Tbk and its competitors.
Is PT Bank Pan Indonesia Tbk's Cyclically Adjusted Book per Share too high?
PT Bank Pan Indonesia Tbk's current Cyclically Adjusted Book per Share is €0.09. Overall, PT Bank Pan Indonesia Tbk has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pan Indonesia Tbk's Cyclically Adjusted Book per Share compare to competitors?
PT Bank Pan Indonesia Tbk's Cyclically Adjusted Book per Share of €0.09 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 Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on PT Bank Pan Indonesia Tbk and its competitors. PT Bank Pan Indonesia Tbk's current Cyclically Adjusted Book per Share is €0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Pan Indonesia Tbk stock overvalued right now?
PT Bank Pan Indonesia Tbk (FRA:PTQ) has a current Cyclically Adjusted Book per Share of €0.09. The stock's GF Value™ is €0.05, compared to a current price of €0.04 — trading 30% below its estimated fair value. The current Cyclically Adjusted Book per Share is €0.09. PT Bank Pan Indonesia Tbk's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For PT Bank Pan Indonesia Tbk (FRA:PTQ), the current Cyclically Adjusted Book per Share is €0.09 as of Mar. 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 Pan Indonesia Tbk (FRA:PTQ) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Pan Indonesia Tbk stock appears to be undervalued. The current stock price of €0.04 is trading 30% below its estimated GF Value™ of €0.05.

Key valuation signals for FRA:PTQ:

  • Cyclically Adjusted Book per Share: €0.09
  • GF Value™: €0.05 vs. price of €0.04 (30% below fair value)
  • GF Score™: 62/100 with 2 warning signs

No single metric tells the full story. See the FRA:PTQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Bank Pan Indonesia Tbk Business Description

Other Exchanges PNBN:Indonesia
Address Jalan l. Jendral Sudirman Kav. 1, Panin Bank Center, Senayan, Jakarta, IDN, 10270
PT Bank Pan Indonesia Tbk is an Indonesian bank with a subsidiary that operates in the field of banking services. It provides Individual and business banking services. Its reportable segments are Banking and Multi-finance. It generates the majority of its revenue from the Banking segment, which includes conventional commercial banks and Sharia commercial banks. The principal operation of the group is in Indonesia.
62GF Score

Get the complete analysis for FRA:PTQ

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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