PT Bank JTrust Indonesia Tbk (ISX:BCIC) Cyclically Adjusted FCF per Share: Rp-15.55 (As of Mar. 2026)

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ISX:BCIC PT Bank JTrust Indonesia Tbk ISX:BCIC
45 GF Score
Price Rp125.00
GF Value Rp110.79
Valuation Modestly Overvalued
! 2 Warning Signs
View Full Analysis

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

PT Bank JTrust Indonesia Tbk ISX:BCIC -0.79% 45 Cyclically Adjusted FCF per Share is Rp-15.55 as of Mar. 2026. GuruFocus rates ISX:BCIC with a GF Score™ of 45/100 and a GF Value™ of Rp110.79 (Modestly 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 JTrust Indonesia Tbk's adjusted free cash flow per share for the three months ended in Mar. 2026 was Rp-128.553. 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 Rp-15.55 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 15.20% 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 JTrust Indonesia Tbk was 38.80% per year. The lowest was 15.20% per year. And the median was 27.00% per year.

As of today (2026-07-16), PT Bank JTrust Indonesia Tbk's current stock price is Rp125.00. PT Bank JTrust Indonesia Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was Rp-15.55. PT Bank JTrust Indonesia Tbk's Cyclically Adjusted Price-to-FCF of today is .


PT Bank JTrust Indonesia Tbk  (ISX:BCIC) 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.


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 JTrust Indonesia Tbk Cyclically Adjusted FCF per Share Related Terms


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

* Premium members only.

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

PT Bank JTrust 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 -49.86 -49.45 -10.19 -11.42 -30.11

PT Bank JTrust 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 -44.90 -33.51 -28.37 -30.11 -15.55

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

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

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

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


ISX:BCIC
45GF Score
PT Bank JTrust Indonesia Tbk ISX:BCIC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank JTrust 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 JTrust Indonesia 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)
=-128.553/136.5387*136.5387
=-128.553

Current CPI (Mar. 2026) = 136.5387.

PT Bank JTrust Indonesia Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201603 -57.987 102.764 -77.045
201606 -7.565 103.212 -10.008
201609 3.893 104.142 5.104
201612 27.860 105.222 36.152
201703 3.952 106.476 5.068
201709 0.000 108.020 0.000
201712 13.427 109.017 16.817
201803 -17.307 110.097 -21.464
201806 80.309 111.085 98.711
201809 -5.037 111.135 -6.188
201812 56.489 112.430 68.602
201903 -1.305 112.829 -1.579
201906 -93.643 114.730 -111.443
201909 5.618 114.905 6.676
201912 76.168 115.486 90.053
202003 129.345 116.252 151.916
202006 79.624 116.630 93.216
202009 -128.685 116.397 -150.954
202012 -239.819 117.318 -279.109
202103 -2.298 117.840 -2.663
202106 28.664 118.184 33.116
202109 -65.840 118.262 -76.015
202112 155.811 119.516 178.003
202203 -9.328 120.948 -10.530
202206 -29.244 123.322 -32.378
202209 -56.105 125.298 -61.138
202212 73.420 126.098 79.499
202303 -91.531 126.953 -98.443
202306 120.237 127.663 128.597
202309 -113.313 128.151 -120.729
202312 214.585 129.395 226.432
202403 -57.925 130.607 -60.556
202406 -28.068 130.792 -29.301
202409 16.749 130.361 17.543
202412 -10.861 131.432 -11.283
202503 -80.852 131.948 -83.665
202506 -135.801 133.241 -139.162
202509 108.271 133.819 110.471
202512 14.516 135.271 14.652
202603 -128.553 136.539 -128.553

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 Rp-15.55 mean?
PT Bank JTrust Indonesia Tbk (ISX:BCIC) has a Cyclically Adjusted FCF per Share of Rp-15.55 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 JTrust Indonesia Tbk and its competitors.
Is PT Bank JTrust Indonesia Tbk's Cyclically Adjusted FCF per Share too high?
PT Bank JTrust Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp-15.55. Overall, PT Bank JTrust Indonesia Tbk has a GF Score™ of 45/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank JTrust Indonesia Tbk's Cyclically Adjusted FCF per Share compare to competitors?
PT Bank JTrust Indonesia Tbk's Cyclically Adjusted FCF per Share of Rp-15.55 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 JTrust Indonesia Tbk and its competitors. PT Bank JTrust Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp-15.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank JTrust Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk (ISX:BCIC) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp110.79, compared to a current price of Rp125.00 — trading 12.8% above its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp-15.55. PT Bank JTrust Indonesia Tbk's overall GF Score™ is 45/100 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 JTrust Indonesia Tbk (ISX:BCIC), the current Cyclically Adjusted FCF per Share is Rp-15.55 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 JTrust Indonesia Tbk (ISX:BCIC) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk stock appears to be overvalued. The current stock price of Rp125.00 is trading 12.8% above its estimated GF Value™ of Rp110.79. GuruFocus considers PT Bank JTrust Indonesia Tbk to be Modestly Overvalued.

Key valuation signals for ISX:BCIC:

  • Cyclically Adjusted FCF per Share: Rp-15.55
  • GF Value™: Rp110.79 vs. price of Rp125.00 (12.8% above fair value)
  • GF Score™: 45/100 with 2 warning signs

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


PT Bank JTrust Indonesia Tbk Business Description

Address Jalan Jenderal Sudirman No. 86, Sahid Sudirman Center, 33rd Floor, Jakarta, IDN, 10220
PT Bank JTrust Indonesia Tbk is an Indonesia-based financial institution. It is engaged in providing financial services. The company's business activities include Corporate Banking, Commercial & SME services, Business Linkage & Consumer operations, a dedicated Japan/Korean Desk, and Funding activities. The company's business divisions are Retail funding, Loan and export/import and Treasury. Its products and services include public deposit taking in the form of demand deposits, and time deposits, providing credit/loans, either for the long term, medium-term, or short-term loan, fund transfer, and foreign exchange activities in accordance with regulations from Bank Indonesia. The company derives maximum revenue from the Loan and export/import segment.
45GF Score

Get the complete analysis for ISX:BCIC

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

Rp125.00
Price
Rp110.79
GF Value