PT Bank Permata Tbk (FRA:85C) Cyclically Adjusted FCF per Share: €0.01 (As of Mar. 2026)

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FRA:85C PT Bank Permata Tbk FRA:85C
53 GF Score
Price €0.11
GF Value €0.05
Valuation Significantly Overvalued
! 2 Warning Signs
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What is PT Bank Permata Tbk Cyclically Adjusted FCF per Share?

PT Bank Permata Tbk FRA:85C -0.93% 53 Cyclically Adjusted FCF per Share is €0.01 as of Mar. 2026. GuruFocus rates FRA:85C with a GF Score™ of 53/100 and a GF Value™ of €0.05 (Significantly Overvalued). 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

PT Bank Permata Tbk's adjusted free cash flow per share for the three months ended in Mar. 2026 was €-0.006. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €0.01 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank Permata Tbk's average Cyclically Adjusted FCF Growth Rate was 92.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -22.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -8.70% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of PT Bank Permata Tbk was 23.60% per year. The lowest was -22.00% per year. And the median was -6.90% per year.

As of today (2026-07-14), PT Bank Permata Tbk's current stock price is €0.107. PT Bank Permata Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €0.01. PT Bank Permata Tbk's Cyclically Adjusted Price-to-FCF of today is 10.70.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PT Bank Permata Tbk was 97.03. The lowest was 5.31. And the median was 10.82.


PT Bank Permata Tbk  (FRA:85C) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

PT Bank Permata Tbk's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=0.107/0.01
=10.70

* 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 Price-to-FCF of PT Bank Permata Tbk was 97.03. The lowest was 5.31. And the median was 10.82.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


PT Bank Permata Tbk Cyclically Adjusted FCF per Share Related Terms


PT Bank Permata Tbk Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for PT Bank Permata Tbk's Cyclically Adjusted FCF 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 Permata Tbk Cyclically Adjusted FCF per Share Chart

PT Bank Permata Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 0.01 0.01 0.00 0.00

PT Bank Permata 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 FCF 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 0.00 0.00 0.00 0.00 0.01

PT Bank Permata Tbk Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, PT Bank Permata Tbk's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Permata Tbk Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Permata Tbk's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where PT Bank Permata Tbk's Cyclically Adjusted Price-to-FCF falls into.


FRA:85C
53GF Score
PT Bank Permata Tbk FRA:85C
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Permata Tbk Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Permata Tbk's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.006/136.5387*136.5387
=-0.006

Current CPI (Mar. 2026) = 136.5387.

PT Bank Permata Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.017 103.212 0.022
201609 -0.006 104.142 -0.008
201612 0.022 105.222 0.029
201703 -0.001 106.476 -0.001
201706 -0.022 107.722 -0.028
201709 0.000 108.020 0.000
201712 -0.001 109.017 -0.001
201803 -0.001 110.097 -0.001
201806 0.011 111.085 0.014
201809 -0.021 111.135 -0.026
201812 0.003 112.430 0.004
201903 -0.010 112.829 -0.012
201906 -0.003 114.730 -0.004
201909 0.007 114.905 0.008
201912 0.002 115.486 0.002
202003 0.006 116.252 0.007
202006 0.000 116.630 0.000
202009 0.015 116.397 0.018
202012 -0.011 117.318 -0.013
202103 0.002 117.840 0.002
202106 0.038 118.184 0.044
202109 0.012 118.262 0.014
202112 0.012 119.516 0.014
202203 0.007 120.948 0.008
202206 -0.019 123.322 -0.021
202209 -0.008 125.298 -0.009
202212 0.045 126.098 0.049
202303 -0.019 126.953 -0.020
202306 -0.037 127.663 -0.040
202309 -0.011 128.151 -0.012
202312 0.012 129.395 0.013
202403 -0.015 130.607 -0.016
202406 0.030 130.792 0.031
202409 -0.001 130.361 -0.001
202412 -0.003 131.432 -0.003
202503 0.001 131.948 0.001
202506 0.002 133.241 0.002
202509 0.012 133.819 0.012
202512 -0.009 135.271 -0.009
202603 -0.006 136.539 -0.006

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €0.01 mean?
PT Bank Permata Tbk (FRA:85C) has a Cyclically Adjusted FCF per Share of €0.01 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on PT Bank Permata Tbk and its competitors.
Is PT Bank Permata Tbk's Cyclically Adjusted FCF per Share too high?
PT Bank Permata Tbk's current Cyclically Adjusted FCF per Share is €0.01. Overall, PT Bank Permata Tbk has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Permata Tbk's Cyclically Adjusted FCF per Share compare to competitors?
PT Bank Permata Tbk's Cyclically Adjusted FCF per Share of €0.01 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on PT Bank Permata Tbk and its competitors. PT Bank Permata Tbk's current Cyclically Adjusted FCF per Share is €0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Permata Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Permata Tbk (FRA:85C) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.05, compared to a current price of €0.11 — trading 114% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €0.01. PT Bank Permata Tbk's overall GF Score™ is 53/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For PT Bank Permata Tbk (FRA:85C), the current Cyclically Adjusted FCF per Share is €0.01 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 Permata Tbk (FRA:85C) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Permata Tbk stock appears to be overvalued. The current stock price of €0.11 is trading 114% above its estimated GF Value™ of €0.05. GuruFocus considers PT Bank Permata Tbk to be Significantly Overvalued.

Key valuation signals for FRA:85C:

  • Cyclically Adjusted FCF per Share: €0.01
  • GF Value™: €0.05 vs. price of €0.11 (114% above fair value)
  • GF Score™: 53/100 with 2 warning signs

No single metric tells the full story. See the FRA:85C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Bank Permata Tbk Business Description

Other Exchanges BNLI:Indonesia85C:Germany
Address Jalan Jenderal Sudirman Kavling 29-31, World Trade Center II, Building WTC II, Jakarta, IDN, 12920
PT Bank Permata Tbk is a private bank engaged in offering financial products and services especially in the hand-delivery channel including Internet Banking and Mobile Banking. The bank focuses on Consumer banking, Corporate banking, Commercial banking and Others segments.
53GF Score

Get the complete analysis for FRA:85C

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

€0.11
Price
€0.05
GF Value