PT BFI Finance Indonesia Tbk (ISX:BFIN) Cyclically Adjusted FCF per Share: Rp-1.71 (As of Mar. 2026)

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ISX:BFIN PT BFI Finance Indonesia Tbk ISX:BFIN
83 GF Score
Price Rp785.00
GF Value Rp950.32
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is PT BFI Finance Indonesia Tbk Cyclically Adjusted FCF per Share?

PT BFI Finance Indonesia Tbk ISX:BFIN 83 Cyclically Adjusted FCF per Share is Rp-1.71 as of Mar. 2026. GuruFocus rates ISX:BFIN with a GF Score™ of 83/100 and a GF Value™ of Rp950.32 (Modestly Undervalued). The stock has 4 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 BFI Finance Indonesia Tbk's adjusted free cash flow per share for the three months ended in Mar. 2026 was Rp14.674. 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-1.71 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 75.70% 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 BFI Finance Indonesia Tbk was 75.70% per year. The lowest was -49.70% per year. And the median was 13.00% per year.

As of today (2026-07-17), PT BFI Finance Indonesia Tbk's current stock price is Rp785.00. PT BFI Finance Indonesia Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was Rp-1.71. PT BFI Finance Indonesia Tbk's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PT BFI Finance Indonesia Tbk was 752.34. The lowest was 654.21. And the median was 705.61.


PT BFI Finance Indonesia Tbk  (ISX:BFIN) 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PT BFI Finance Indonesia Tbk was 752.34. The lowest was 654.21. And the median was 705.61.


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 BFI Finance Indonesia Tbk Cyclically Adjusted FCF per Share Related Terms


PT BFI Finance Indonesia Tbk Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for PT BFI Finance 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 BFI Finance Indonesia Tbk Cyclically Adjusted FCF per Share Chart

PT BFI Finance 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 -2.33 -29.21 -16.14 -7.81 -0.42

PT BFI Finance 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 -7.20 -0.19 1.07 -0.42 -1.71

ISX:BFIN vs V, MA, AXP: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, PT BFI Finance 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 BFI Finance Indonesia Tbk Cyclically Adjusted Price-to-FCF vs Credit Services Industry

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

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


ISX:BFIN
83GF Score
PT BFI Finance Indonesia Tbk ISX:BFIN
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT BFI Finance 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 BFI Finance 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)
=14.674/136.5387*136.5387
=14.674

Current CPI (Mar. 2026) = 136.5387.

PT BFI Finance Indonesia Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -15.241 103.212 -20.162
201609 9.659 104.142 12.664
201612 -50.253 105.222 -65.210
201703 -41.510 106.476 -53.230
201706 -68.572 107.722 -86.916
201709 -23.213 108.020 -29.341
201712 -36.568 109.017 -45.800
201803 -38.888 110.097 -48.228
201806 -51.135 111.085 -62.852
201809 -3.398 111.135 -4.175
201812 56.969 112.430 69.185
201903 50.858 112.829 61.545
201906 38.897 114.730 46.291
201909 13.474 114.905 16.011
201912 -30.472 115.486 -36.027
202003 -18.006 116.252 -21.148
202006 149.542 116.630 175.069
202009 110.728 116.397 129.889
202012 67.937 117.318 79.067
202103 40.187 117.840 46.564
202106 5.882 118.184 6.796
202109 9.851 118.262 11.373
202112 -28.066 119.516 -32.063
202203 -49.726 120.948 -56.136
202206 -50.885 123.322 -56.338
202209 -62.481 125.298 -68.086
202212 -89.821 126.098 -97.258
202303 -99.832 126.953 -107.370
202306 10.121 127.663 10.825
202309 76.475 128.151 81.480
202312 7.531 129.395 7.947
202403 -25.098 130.607 -26.238
202406 42.371 130.792 44.233
202409 19.979 130.361 20.926
202412 -14.375 131.432 -14.934
202503 -27.857 131.948 -28.826
202506 30.487 133.241 31.242
202509 40.703 133.819 41.530
202512 35.607 135.271 35.941
202603 14.674 136.539 14.674

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-1.71 mean?
PT BFI Finance Indonesia Tbk (ISX:BFIN) has a Cyclically Adjusted FCF per Share of Rp-1.71 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 BFI Finance Indonesia Tbk and its competitors.
Is PT BFI Finance Indonesia Tbk's Cyclically Adjusted FCF per Share too high?
PT BFI Finance Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp-1.71. Overall, PT BFI Finance Indonesia Tbk has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT BFI Finance Indonesia Tbk's Cyclically Adjusted FCF per Share compare to V and MA?
PT BFI Finance Indonesia Tbk's Cyclically Adjusted FCF per Share of Rp-1.71 can be compared against companies in the Credit Services 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 Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services 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 BFI Finance Indonesia Tbk and its competitors. PT BFI Finance Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp-1.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT BFI Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk (ISX:BFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp950.32, compared to a current price of Rp785.00 — trading 17.4% below its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp-1.71. PT BFI Finance Indonesia Tbk's overall GF Score™ is 83/100 with 4 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 BFI Finance Indonesia Tbk (ISX:BFIN), the current Cyclically Adjusted FCF per Share is Rp-1.71 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 BFI Finance Indonesia Tbk (ISX:BFIN) Overvalued in 2026?

Based on GuruFocus' analysis, PT BFI Finance Indonesia Tbk stock appears to be undervalued. The current stock price of Rp785.00 is trading 17.4% below its estimated GF Value™ of Rp950.32. GuruFocus considers PT BFI Finance Indonesia Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BFIN:

  • Cyclically Adjusted FCF per Share: Rp-1.71
  • GF Value™: Rp950.32 vs. price of Rp785.00 (17.4% below fair value)
  • GF Score™: 83/100 with 4 warning signs

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


PT BFI Finance Indonesia Tbk Business Description

Other Exchanges PR2:Germany
Address Jalan Kapten Soebijanto Djojohadikusumo, BFI Tower, Sunburst CBD Lot 1.2, BSD City, South Tangerang, Tangerang, IDN, 15322
PT BFI Finance Indonesia Tbk is a multifinance company based in Indonesia. It offers Sharia financing solutions, such as umrah capital financing, financing for buying a used car, and other multipurpose Sharia-compliant credit products. Additionally, the company offers financial leasing solutions to individual and corporate customers who purchase or engage in the sale and leaseback of heavy equipment, machinery, motor vehicles, and other equipment. It also offers consumer financing for new and used cars purchased via dealers and secured financing for used cars, used motorcycles, and real estate. The company's operating segments are: Cars, Motorcycles, and Others. Maximum revenue is generated from the Cars segment, which includes income derived from car financing solutions.
83GF Score

Get the complete analysis for ISX:BFIN

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

Rp785.00
Price
Rp950.32
GF Value