PT Bank Ina Perdana Tbk (ISX:BINA) Cyclically Adjusted FCF per Share: Rp258.68 (As of Jun. 2026)

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ISX:BINA PT Bank Ina Perdana Tbk ISX:BINA
55 GF Score
Price Rp4,100.00
GF Value Rp4,032.16
Valuation Fairly Valued
! 3 Warning Signs
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What is PT Bank Ina Perdana Tbk Cyclically Adjusted FCF per Share?

PT Bank Ina Perdana Tbk ISX:BINA -1.20% 55 Cyclically Adjusted FCF per Share is Rp258.68 as of Jun. 2026. GuruFocus rates ISX:BINA with a GF Score™ of 55/100 and a GF Value™ of Rp4,032.16 (Fairly Valued). 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 Ina Perdana Tbk's adjusted free cash flow per share for the three months ended in Jun. 2026 was Rp173.366. 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 Rp258.68 for the trailing ten years ended in Jun. 2026.

During the past 12 months, PT Bank Ina Perdana Tbk's average Cyclically Adjusted FCF Growth Rate was 44.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 21.20% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 17.30% 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 Ina Perdana Tbk was 21.30% per year. The lowest was 2.30% per year. And the median was 21.20% per year.

As of today (2026-08-28), PT Bank Ina Perdana Tbk's current stock price is Rp4100.00. PT Bank Ina Perdana Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was Rp258.68. PT Bank Ina Perdana Tbk's Cyclically Adjusted Price-to-FCF of today is 15.85.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PT Bank Ina Perdana Tbk was 46.78. The lowest was 8.70. And the median was 26.89.


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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=4100.00/258.68
=15.85

* 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 Ina Perdana Tbk was 46.78. The lowest was 8.70. And the median was 26.89.


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 Ina Perdana Tbk Cyclically Adjusted FCF per Share Related Terms


PT Bank Ina Perdana Tbk Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

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

PT Bank Ina Perdana 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 139.97 128.46 141.65 149.92 228.54

PT Bank Ina Perdana Tbk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 179.58 208.80 228.54 238.84 258.68

PT Bank Ina Perdana Tbk Cyclically Adjusted FCF per Share Competitor Comparison

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

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

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


ISX:BINA
55GF Score
PT Bank Ina Perdana Tbk ISX:BINA
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Ina Perdana 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 Ina Perdana Tbk's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=173.366/137.6954*137.6954
=173.366

Current CPI (Jun. 2026) = 137.6954.

PT Bank Ina Perdana Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 18.387 104.142 24.311
201612 18.069 105.222 23.645
201703 96.840 106.476 125.234
201706 -85.820 107.722 -109.700
201709 -55.556 108.020 -70.818
201712 55.556 109.017 70.171
201803 -45.292 110.097 -56.646
201806 18.301 111.085 22.685
201809 44.996 111.135 55.750
201812 69.587 112.430 85.225
201903 -14.430 112.829 -17.610
201906 5.647 114.730 6.777
201909 -8.814 114.905 -10.562
201912 89.354 115.486 106.538
202003 -75.580 116.252 -89.521
202006 -19.417 116.630 -22.924
202009 83.753 116.397 99.079
202012 406.192 117.318 476.745
202103 288.707 117.840 337.353
202106 214.280 118.184 249.656
202109 79.297 118.262 92.328
202112 23.957 119.516 27.601
202203 82.715 120.948 94.168
202206 169.647 123.322 189.419
202209 -390.725 125.298 -429.383
202212 89.033 126.098 97.222
202303 -148.206 126.953 -160.747
202306 -217.918 127.663 -235.043
202309 -101.240 128.151 -108.780
202312 478.429 129.395 509.120
202403 201.571 130.607 212.511
202406 -117.715 130.792 -123.929
202409 -107.697 130.361 -113.756
202412 187.292 131.432 196.218
202503 7.029 131.948 7.335
202506 222.049 133.241 229.473
202509 281.410 133.819 289.562
202512 178.186 135.271 181.379
202603 152.067 136.539 153.355
202606 173.366 137.695 173.366

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 Rp258.68 mean?
PT Bank Ina Perdana Tbk (ISX:BINA) has a Cyclically Adjusted FCF per Share of Rp258.68 as of Jun. 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 Ina Perdana Tbk and its competitors.
Is PT Bank Ina Perdana Tbk's Cyclically Adjusted FCF per Share too high?
PT Bank Ina Perdana Tbk's current Cyclically Adjusted FCF per Share is Rp258.68. Overall, PT Bank Ina Perdana Tbk has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Ina Perdana Tbk's Cyclically Adjusted FCF per Share compare to competitors?
PT Bank Ina Perdana Tbk's Cyclically Adjusted FCF per Share of Rp258.68 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 Ina Perdana Tbk and its competitors. PT Bank Ina Perdana Tbk's current Cyclically Adjusted FCF per Share is Rp258.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Ina Perdana Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Ina Perdana Tbk (ISX:BINA) is currently considered Fairly Valued. The stock's GF Value™ is Rp4,032.16, compared to a current price of Rp4,100.00 — trading 1.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp258.68. PT Bank Ina Perdana Tbk's overall GF Score™ is 55/100 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 Ina Perdana Tbk (ISX:BINA), the current Cyclically Adjusted FCF per Share is Rp258.68 as of Jun. 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 Ina Perdana Tbk (ISX:BINA) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Ina Perdana Tbk stock appears to be overvalued. The current stock price of Rp4,100.00 is trading 1.7% above its estimated GF Value™ of Rp4,032.16. GuruFocus considers PT Bank Ina Perdana Tbk to be Fairly Valued.

Key valuation signals for ISX:BINA:

  • Cyclically Adjusted FCF per Share: Rp258.68
  • GF Value™: Rp4,032.16 vs. price of Rp4,100.00 (1.7% above fair value)
  • GF Score™: 55/100 with 3 warning signs

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


PT Bank Ina Perdana Tbk Business Description

Address Jalan. H.R. Rasuna Said Blok X-2 Kav. 5, Gedung Ariobimo Sentral, Mezzanine Floor, Jakarta Selatan, Jakarta, IDN, 12950
PT Bank Ina Perdana Tbk operates as a commercial bank. The company's products and services for individuals and businesses include savings, checking, investments, mortgages, business banking, Digital services, Loans, cash management, trade finance, corporate services, and transactions. The company's operating segments are classified by type of business activities, including marketing and loans, treasury, and trade finance.
55GF Score

Get the complete analysis for ISX:BINA

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

Rp4,100.00
Price
Rp4,032.16
GF Value