PT Bank Amar Indonesia Tbk (ISX:AMAR) Cyclically Adjusted FCF per Share: Rp9.61 (As of Mar. 2026)

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ISX:AMAR PT Bank Amar Indonesia Tbk ISX:AMAR
77 GF Score
Price Rp208.00
GF Value Rp312.51
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is PT Bank Amar Indonesia Tbk Cyclically Adjusted FCF per Share?

PT Bank Amar Indonesia Tbk ISX:AMAR +0.97% 77 Cyclically Adjusted FCF per Share is Rp9.61 as of Mar. 2026. GuruFocus rates ISX:AMAR with a GF Score™ of 77/100 and a GF Value™ of Rp312.51 (Significantly Undervalued). The stock has 3 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 Amar Indonesia Tbk's adjusted free cash flow per share data for the fiscal year that ended in Dec. 2025 was Rp16.094. 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 Rp9.61 for the trailing ten years ended in Dec. 2025.

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.

As of today (2026-07-17), PT Bank Amar Indonesia Tbk's current stock price is Rp 208.00. PT Bank Amar Indonesia Tbk's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec. 2025 was Rp9.61. PT Bank Amar Indonesia Tbk's Cyclically Adjusted Price-to-FCF of today is 21.64.

During the past 10 years, the highest Cyclically Adjusted Price-to-FCF of PT Bank Amar Indonesia Tbk was 24.56. The lowest was 20.40. And the median was 21.85.


PT Bank Amar Indonesia Tbk  (ISX:AMAR) 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 Amar Indonesia Tbk's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=208.00/9.61
=21.64

* 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 10 years, the highest Cyclically Adjusted Price-to-FCF of PT Bank Amar Indonesia Tbk was 24.56. The lowest was 20.40. And the median was 21.85.


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 Amar Indonesia Tbk Cyclically Adjusted FCF per Share Related Terms


PT Bank Amar Indonesia Tbk Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for PT Bank Amar Indonesia 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 Amar Indonesia Tbk Cyclically Adjusted FCF per Share Chart

PT Bank Amar Indonesia 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 0.00 0.00 0.00 0.00 9.61

PT Bank Amar 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 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 9.61 0.00

PT Bank Amar Indonesia Tbk Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, PT Bank Amar Indonesia 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 Amar Indonesia Tbk Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


ISX:AMAR
77GF Score
PT Bank Amar Indonesia Tbk ISX:AMAR
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Amar Indonesia 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 Amar Indonesia Tbk's adjusted Free Cash Flow per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=16.094/135.2711*135.2711
=16.094

Current CPI (Dec. 2025) = 135.2711.

PT Bank Amar Indonesia Tbk Annual Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201612 -1.486 105.222 -1.910
201712 4.352 109.017 5.400
201812 0.450 112.430 0.541
201912 72.580 115.486 85.015
202012 89.029 117.318 102.653
202112 52.079 119.516 58.944
202212 -175.533 126.098 -188.303
202312 -16.165 129.395 -16.899
202412 33.601 131.432 34.583
202512 16.094 135.271 16.094

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 Rp9.61 mean?
PT Bank Amar Indonesia Tbk (ISX:AMAR) has a Cyclically Adjusted FCF per Share of Rp9.61 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 Amar Indonesia Tbk and its competitors.
Is PT Bank Amar Indonesia Tbk's Cyclically Adjusted FCF per Share too high?
PT Bank Amar Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp9.61. Overall, PT Bank Amar Indonesia Tbk has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Amar Indonesia Tbk's Cyclically Adjusted FCF per Share compare to competitors?
PT Bank Amar Indonesia Tbk's Cyclically Adjusted FCF per Share of Rp9.61 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 Amar Indonesia Tbk and its competitors. PT Bank Amar Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp9.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Amar Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Amar Indonesia Tbk (ISX:AMAR) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp312.51, compared to a current price of Rp208.00 — trading 33.4% below its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp9.61. PT Bank Amar Indonesia Tbk's overall GF Score™ is 77/100 with 3 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 Amar Indonesia Tbk (ISX:AMAR), the current Cyclically Adjusted FCF per Share is Rp9.61 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 Amar Indonesia Tbk (ISX:AMAR) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Amar Indonesia Tbk stock appears to be undervalued. The current stock price of Rp208.00 is trading 33.4% below its estimated GF Value™ of Rp312.51. GuruFocus considers PT Bank Amar Indonesia Tbk to be Significantly Undervalued.

Key valuation signals for ISX:AMAR:

  • Cyclically Adjusted FCF per Share: Rp9.61
  • GF Value™: Rp312.51 vs. price of Rp208.00 (33.4% below fair value)
  • GF Score™: 77/100 with 3 warning signs

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


PT Bank Amar Indonesia Tbk Business Description

Address Jalan Basuki Rahmad No. 109, Surabaya, IDN, 60271
PT Bank Amar Indonesia Tbk is engaged in providing banking activities. The company's operating segments include Online, Brick and Mortar, and Head Office. It generates maximum revenue from the Online segment. The Online segment comprises activities related to digital products and services. Its brick-and-mortar segment comprises activities related to conventional banking products and services. The Head Office segment comprises treasury and other activities. Some of its products include Aster Savings, Amar Dana Savings, Amar Cemerlang Savings, Amar Term Savings, Employee Savings, Term Deposit, On-Call Deposit, and Amar Current Account.
77GF Score

Get the complete analysis for ISX:AMAR

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

Rp208.00
Price
Rp312.51
GF Value