PT Bank Sinarmas Tbk (ISX:BSIM) Cyclically Adjusted FCF per Share: Rp10.98 (As of Mar. 2026)

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ISX:BSIM PT Bank Sinarmas Tbk ISX:BSIM
48 GF Score
Price Rp700.00
GF Value Rp818.91
Valuation Modestly Undervalued
! 1 Warning Sign
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What is PT Bank Sinarmas Tbk Cyclically Adjusted FCF per Share?

PT Bank Sinarmas Tbk ISX:BSIM 48 Cyclically Adjusted FCF per Share is Rp10.98 as of Mar. 2026. GuruFocus rates ISX:BSIM with a GF Score™ of 48/100 and a GF Value™ of Rp818.91 (Modestly Undervalued). The stock has 1 warning sign 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 Sinarmas Tbk's adjusted free cash flow per share for the three months ended in Mar. 2026 was Rp-167.833. 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 Rp10.98 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank Sinarmas Tbk's average Cyclically Adjusted FCF Growth Rate was -56.10% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 11.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 42.00% 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 Sinarmas Tbk was 116.70% per year. The lowest was 11.60% per year. And the median was 25.20% per year.

As of today (2026-07-21), PT Bank Sinarmas Tbk's current stock price is Rp700.00. PT Bank Sinarmas Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was Rp10.98. PT Bank Sinarmas Tbk's Cyclically Adjusted Price-to-FCF of today is 63.75.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PT Bank Sinarmas Tbk was 215.84. The lowest was 10.23. And the median was 33.93.


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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=700.00/10.98
=63.75

* 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 Sinarmas Tbk was 215.84. The lowest was 10.23. And the median was 33.93.


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 Sinarmas Tbk Cyclically Adjusted FCF per Share Related Terms


PT Bank Sinarmas Tbk Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

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

PT Bank Sinarmas 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 25.70 22.21 46.90 50.41 30.85

PT Bank Sinarmas 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 25.02 26.23 28.13 30.85 10.98

PT Bank Sinarmas Tbk Cyclically Adjusted FCF per Share Competitor Comparison

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

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

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


ISX:BSIM
48GF Score
PT Bank Sinarmas Tbk ISX:BSIM
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Sinarmas 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 Sinarmas 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)
=-167.833/136.5387*136.5387
=-167.833

Current CPI (Mar. 2026) = 136.5387.

PT Bank Sinarmas Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -108.073 103.212 -142.969
201609 9.779 104.142 12.821
201612 85.246 105.222 110.617
201703 -58.090 106.476 -74.491
201706 102.940 107.722 130.478
201709 -84.942 108.020 -107.367
201712 -11.579 109.017 -14.502
201803 -25.608 110.097 -31.758
201806 6.779 111.085 8.332
201809 -62.517 111.135 -76.808
201812 23.643 112.430 28.713
201903 2.652 112.829 3.209
201906 121.109 114.730 144.130
201909 -152.992 114.905 -181.797
201912 -43.286 115.486 -51.177
202003 141.401 116.252 166.076
202006 -140.932 116.630 -164.989
202009 10.475 116.397 12.288
202012 77.940 117.318 90.709
202103 289.743 117.840 335.720
202106 -149.935 118.184 -173.221
202109 33.623 118.262 38.819
202112 219.151 119.516 250.365
202203 -173.181 120.948 -195.504
202206 260.080 123.322 287.952
202209 -133.470 125.298 -145.443
202212 -213.085 126.098 -230.729
202303 -15.212 126.953 -16.361
202306 27.146 127.663 29.033
202309 -13.703 128.151 -14.600
202312 226.945 129.395 239.475
202403 -136.055 130.607 -142.234
202406 -32.647 130.792 -34.082
202409 -14.171 130.361 -14.843
202412 234.213 131.432 243.314
202503 -260.078 131.948 -269.126
202506 64.667 133.241 66.268
202509 157.909 133.819 161.118
202512 0.160 135.271 0.161
202603 -167.833 136.539 -167.833

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 Rp10.98 mean?
PT Bank Sinarmas Tbk (ISX:BSIM) has a Cyclically Adjusted FCF per Share of Rp10.98 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 Sinarmas Tbk and its competitors.
Is PT Bank Sinarmas Tbk's Cyclically Adjusted FCF per Share too high?
PT Bank Sinarmas Tbk's current Cyclically Adjusted FCF per Share is Rp10.98. Overall, PT Bank Sinarmas Tbk has a GF Score™ of 48/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Sinarmas Tbk's Cyclically Adjusted FCF per Share compare to competitors?
PT Bank Sinarmas Tbk's Cyclically Adjusted FCF per Share of Rp10.98 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 Sinarmas Tbk and its competitors. PT Bank Sinarmas Tbk's current Cyclically Adjusted FCF per Share is Rp10.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Sinarmas Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Sinarmas Tbk (ISX:BSIM) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp818.91, compared to a current price of Rp700.00 — trading 14.5% below its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp10.98. PT Bank Sinarmas Tbk's overall GF Score™ is 48/100 with 1 warning sign 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 Sinarmas Tbk (ISX:BSIM), the current Cyclically Adjusted FCF per Share is Rp10.98 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 Sinarmas Tbk (ISX:BSIM) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Sinarmas Tbk stock appears to be undervalued. The current stock price of Rp700.00 is trading 14.5% below its estimated GF Value™ of Rp818.91. GuruFocus considers PT Bank Sinarmas Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BSIM:

  • Cyclically Adjusted FCF per Share: Rp10.98
  • GF Value™: Rp818.91 vs. price of Rp700.00 (14.5% below fair value)
  • GF Score™: 48/100 with 1 warning sign

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


PT Bank Sinarmas Tbk Business Description

Address Jalan MH. Thamrin No. 51, Sinar Mas Land Plaza Tower I, 1st and 2nd Floor, Jakarta, IDN, 10350
PT Bank Sinarmas Tbk provides financial services. The company is involved in credit activities, fund collection, banking service and e-banking products, bancassurance and investment products sales, credit card business, international business activities and treasury, and sharia business unit. It collects funds from the public to be distributed in the form of loans to both individuals and corporations. The company's operating segment includes Commercial Bank and Sharia Business Unit. It generates maximum revenue from the Commercial Bank segment which includes Marketing and Credit, Treasury, and Trade Finance.
48GF Score

Get the complete analysis for ISX:BSIM

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

Rp700.00
Price
Rp818.91
GF Value