PT Woori Finance Indonesia Tbk (ISX:BPFI) Cyclically Adjusted FCF per Share: Rp-40.65 (As of Jun. 2026)

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ISX:BPFI PT Woori Finance Indonesia Tbk ISX:BPFI
62 GF Score
Price Rp270.00
GF Value Rp439.66
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

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

PT Woori Finance Indonesia Tbk ISX:BPFI +3.85% 62 Cyclically Adjusted FCF per Share is Rp-40.65 as of Jun. 2026. GuruFocus rates ISX:BPFI with a GF Score™ of 62/100 and a GF Value™ of Rp439.66 (Possible Value Trap). The stock has 6 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 Woori Finance Indonesia Tbk's adjusted free cash flow per share for the three months ended in Jun. 2026 was Rp-85.813. 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-40.65 for the trailing ten years ended in Jun. 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 (2026-07-31), PT Woori Finance Indonesia Tbk's current stock price is Rp270.00. PT Woori Finance Indonesia Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was Rp-40.65. PT Woori Finance Indonesia Tbk's Cyclically Adjusted Price-to-FCF of today is .


PT Woori Finance Indonesia Tbk  (ISX:BPFI) 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 Woori Finance Indonesia Tbk Cyclically Adjusted FCF per Share Related Terms


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

* Premium members only.

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

PT Woori 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 0.00 0.00 0.00 0.00 -22.81

PT Woori Finance Indonesia 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 -2.22 -7.79 -22.81 -28.42 -40.65

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

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

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

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


ISX:BPFI
62GF Score
PT Woori Finance Indonesia Tbk ISX:BPFI
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Woori 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 Woori Finance Indonesia 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)
=-85.813/137.6954*137.6954
=-85.813

Current CPI (Jun. 2026) = 137.6954.

PT Woori Finance Indonesia Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -6.391 104.142 -8.450
201612 -21.637 105.222 -28.315
201703 -18.133 106.476 -23.450
201706 -4.509 107.722 -5.764
201709 -130.704 108.020 -166.611
201712 120.478 109.017 152.172
201803 -27.373 110.097 -34.235
201806 -50.119 111.085 -62.125
201809 -9.698 111.135 -12.016
201812 84.618 112.430 103.634
201903 22.316 112.829 27.234
201906 -1.498 114.730 -1.798
201909 -2.814 114.905 -3.372
201912 -13.303 115.486 -15.861
202003 41.994 116.252 49.740
202006 52.383 116.630 61.844
202009 44.181 116.397 52.265
202012 23.164 117.318 27.187
202103 20.035 117.840 23.411
202106 25.910 118.184 30.188
202109 30.848 118.262 35.917
202112 16.304 119.516 18.784
202203 -7.510 120.948 -8.550
202206 0.232 123.322 0.259
202209 18.498 125.298 20.328
202212 -52.077 126.098 -56.867
202303 -23.983 126.953 -26.012
202306 -39.248 127.663 -42.332
202309 -49.965 128.151 -53.686
202312 -44.173 129.395 -47.007
202403 -18.054 130.607 -19.034
202406 -1.278 130.792 -1.345
202409 -11.713 130.361 -12.372
202412 -1.953 131.432 -2.046
202503 -27.253 131.948 -28.440
202506 2.621 133.241 2.709
202509 -54.790 133.819 -56.377
202512 -151.289 135.271 -154.000
202603 -55.858 136.539 -56.331
202606 -85.813 137.695 -85.813

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-40.65 mean?
PT Woori Finance Indonesia Tbk (ISX:BPFI) has a Cyclically Adjusted FCF per Share of Rp-40.65 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 Woori Finance Indonesia Tbk and its competitors.
Is PT Woori Finance Indonesia Tbk's Cyclically Adjusted FCF per Share too high?
PT Woori Finance Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp-40.65. Overall, PT Woori Finance Indonesia Tbk has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Woori Finance Indonesia Tbk's Cyclically Adjusted FCF per Share compare to V and MA?
PT Woori Finance Indonesia Tbk's Cyclically Adjusted FCF per Share of Rp-40.65 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 Woori Finance Indonesia Tbk and its competitors. PT Woori Finance Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp-40.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Woori Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk (ISX:BPFI) is currently considered Possible Value Trap. The stock's GF Value™ is Rp439.66, compared to a current price of Rp270.00 — trading 38.6% below its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp-40.65. PT Woori Finance Indonesia Tbk's overall GF Score™ is 62/100 with 6 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 Woori Finance Indonesia Tbk (ISX:BPFI), the current Cyclically Adjusted FCF per Share is Rp-40.65 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 Woori Finance Indonesia Tbk (ISX:BPFI) Overvalued in 2026?

Based on GuruFocus' analysis, PT Woori Finance Indonesia Tbk stock appears to be undervalued. The current stock price of Rp270.00 is trading 38.6% below its estimated GF Value™ of Rp439.66. GuruFocus considers PT Woori Finance Indonesia Tbk to be Possible Value Trap.

Key valuation signals for ISX:BPFI:

  • Cyclically Adjusted FCF per Share: Rp-40.65
  • GF Value™: Rp439.66 vs. price of Rp270.00 (38.6% below fair value)
  • GF Score™: 62/100 with 6 warning signs

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


PT Woori Finance Indonesia Tbk Business Description

Address Jl. Jend. Sudirman Kav. 21, Gedung Chase Plaza 16th Floor, Jakarta, IDN, 12920
PT Woori Finance Indonesia Tbk is a multi-finance company. The firm engages in the provision of consumer financing, financial leasing, and factoring services. It operates through the following segments: Finance Lease, Consumer Financing, and Factoring. It offers financing for used passenger and commercial automobiles. The majority of the firm's revenue comes from the Consumer Financing segment.
62GF Score

Get the complete analysis for ISX:BPFI

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

Rp270.00
Price
Rp439.66
GF Value