PT Bank Jago Tbk (ISX:ARTO) Cyclically Adjusted FCF per Share: Rp16.78 (As of Mar. 2026)


ISX:ARTO PT Bank Jago Tbk ISX:ARTO
67 GF Score
Price Rp1,135.00
GF Value Rp4,365.16
Valuation Significantly Undervalued
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What is PT Bank Jago Tbk Cyclically Adjusted FCF per Share?

PT Bank Jago Tbk ISX:ARTO -5.42% 67 Cyclically Adjusted FCF per Share is Rp16.78 as of Mar. 2026. GuruFocus rates ISX:ARTO with a GF Score™ of 67/100 and a GF Value™ of Rp4,365.16 (Significantly Undervalued).

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 Jago Tbk's adjusted free cash flow per share for the three months ended in Mar. 2026 was Rp152.399. 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 Rp16.78 for the trailing ten years ended in Mar. 2026.

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 (2026-07-13), PT Bank Jago Tbk's current stock price is Rp1135.00. PT Bank Jago Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was Rp16.78. PT Bank Jago Tbk's Cyclically Adjusted Price-to-FCF of today is 67.64.

During the past 11 years, the highest Cyclically Adjusted Price-to-FCF of PT Bank Jago Tbk was 2270.11. The lowest was 53.93. And the median was 84.77.


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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=1135.00/16.78
=67.64

* 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 11 years, the highest Cyclically Adjusted Price-to-FCF of PT Bank Jago Tbk was 2270.11. The lowest was 53.93. And the median was 84.77.


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 Jago Tbk Cyclically Adjusted FCF per Share Related Terms


PT Bank Jago Tbk Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

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

PT Bank Jago 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 0.87

PT Bank Jago 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 -6.65 0.87 16.78

PT Bank Jago Tbk Cyclically Adjusted FCF per Share Competitor Comparison

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

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

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


ISX:ARTO
67GF Score
PT Bank Jago Tbk ISX:ARTO
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Jago 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 Jago 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)
=152.399/136.5387*136.5387
=152.399

Current CPI (Mar. 2026) = 136.5387.

PT Bank Jago Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -4.466 103.212 -5.908
201609 2.682 104.142 3.516
201612 0.557 105.222 0.723
201703 -0.809 106.476 -1.037
201706 4.033 107.722 5.112
201709 8.024 108.020 10.142
201712 -7.020 109.017 -8.792
201803 -7.144 110.097 -8.860
201806 1.755 111.085 2.157
201809 0.509 111.135 0.625
201812 -4.018 112.430 -4.880
201903 2.466 112.829 2.984
201906 0.547 114.730 0.651
201909 -0.724 114.905 -0.860
201912 -54.509 115.486 -64.446
202003 -10.568 116.252 -12.412
202006 -54.463 116.630 -63.760
202009 22.449 116.397 26.334
202012 -0.566 117.318 -0.659
202103 -5.525 117.840 -6.402
202106 -260.857 118.184 -301.370
202109 34.959 118.262 40.362
202112 -59.989 119.516 -68.533
202203 40.095 120.948 45.263
202206 65.309 123.322 72.308
202209 -32.481 125.298 -35.395
202212 0.428 126.098 0.463
202303 6.991 126.953 7.519
202306 -20.442 127.663 -21.863
202309 6.189 128.151 6.594
202312 121.825 129.395 128.551
202403 -10.270 130.607 -10.736
202406 21.347 130.792 22.285
202409 84.838 130.361 88.858
202412 82.520 131.432 85.727
202503 90.917 131.948 94.080
202506 -91.386 133.241 -93.648
202509 5.602 133.819 5.716
202512 74.265 135.271 74.961
202603 152.399 136.539 152.399

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 Rp16.78 mean?
PT Bank Jago Tbk (ISX:ARTO) has a Cyclically Adjusted FCF per Share of Rp16.78 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 Jago Tbk and its competitors.
Is PT Bank Jago Tbk's Cyclically Adjusted FCF per Share too high?
PT Bank Jago Tbk's current Cyclically Adjusted FCF per Share is Rp16.78. Overall, PT Bank Jago Tbk has a GF Score™ of 67/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Jago Tbk's Cyclically Adjusted FCF per Share compare to competitors?
PT Bank Jago Tbk's Cyclically Adjusted FCF per Share of Rp16.78 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 Jago Tbk and its competitors. PT Bank Jago Tbk's current Cyclically Adjusted FCF per Share is Rp16.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Jago Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Jago Tbk (ISX:ARTO) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp4,365.16, compared to a current price of Rp1,135.00 — trading 74% below its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp16.78. PT Bank Jago Tbk's overall GF Score™ is 67/100. 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 Jago Tbk (ISX:ARTO), the current Cyclically Adjusted FCF per Share is Rp16.78 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 Jago Tbk (ISX:ARTO) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Jago Tbk stock appears to be undervalued. The current stock price of Rp1,135.00 is trading 74% below its estimated GF Value™ of Rp4,365.16. GuruFocus considers PT Bank Jago Tbk to be Significantly Undervalued.

Key valuation signals for ISX:ARTO:

  • Cyclically Adjusted FCF per Share: Rp16.78
  • GF Value™: Rp4,365.16 vs. price of Rp1,135.00 (74% below fair value)
  • GF Score™: 67/100

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


PT Bank Jago Tbk Business Description

Address Jalan Dr. Ide Anak Agung Gde Agung Kav 5.5 - 5.6, Menara SMBC, 46th Floor, Jakarta Selatan, Jakarta, IDN, 12950
PT Bank Jago Tbk is an Indonesian-based banking company. It offers various banking products and services that are categorized into funding and lending activities, along with other supporting banking services. Its funding activities are Saving & Spending Pockets, Locked Pockets, Shared Pockets, Giveaway Pockets, and others. Its Lending activities are a technology-based bank that serves the small and medium enterprises segment, the retail segment, and the mass market segment. Its operating segments are Outside Jakarta and DKI Jakarta.
67GF Score

Get the complete analysis for ISX:ARTO

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

Rp1,135.00
Price
Rp4,365.16
GF Value