PT Bank SMBC Indonesia Tbk (ISX:BTPN) Cyclically Adjusted FCF per Share: Rp333.08 (As of Mar. 2026)

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ISX:BTPN PT Bank SMBC Indonesia Tbk ISX:BTPN
46 GF Score
Price Rp2,240.00
GF Value Rp2,363.69
Valuation Fairly Valued
! 6 Warning Signs
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What is PT Bank SMBC Indonesia Tbk Cyclically Adjusted FCF per Share?

PT Bank SMBC Indonesia Tbk ISX:BTPN +0.90% 46 Cyclically Adjusted FCF per Share is Rp333.08 as of Mar. 2026. GuruFocus rates ISX:BTPN with a GF Score™ of 46/100 and a GF Value™ of Rp2,363.69 (Fairly Valued). 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 Bank SMBC Indonesia Tbk's adjusted free cash flow per share for the three months ended in Mar. 2026 was Rp-399.328. 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 Rp333.08 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank SMBC Indonesia Tbk's average Cyclically Adjusted FCF Growth Rate was 4.40% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 14.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 6.30% 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 SMBC Indonesia Tbk was 462.20% per year. The lowest was -4.50% per year. And the median was 12.75% per year.

As of today (2026-07-20), PT Bank SMBC Indonesia Tbk's current stock price is Rp2240.00. PT Bank SMBC Indonesia Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was Rp333.08. PT Bank SMBC Indonesia Tbk's Cyclically Adjusted Price-to-FCF of today is 6.73.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PT Bank SMBC Indonesia Tbk was 2470.74. The lowest was 5.27. And the median was 9.19.


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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=2240.00/333.08
=6.73

* 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 SMBC Indonesia Tbk was 2470.74. The lowest was 5.27. And the median was 9.19.


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 SMBC Indonesia Tbk Cyclically Adjusted FCF per Share Related Terms


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

* Premium members only.

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

PT Bank SMBC 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 423.79 234.50 304.59 369.30 354.17

PT Bank SMBC 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 318.96 294.41 228.45 354.17 333.08

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

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

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

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


ISX:BTPN
46GF Score
PT Bank SMBC Indonesia Tbk ISX:BTPN
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank SMBC 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 SMBC 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)
=-399.328/136.5387*136.5387
=-399.328

Current CPI (Mar. 2026) = 136.5387.

PT Bank SMBC Indonesia Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 587.495 103.212 777.192
201609 -282.065 104.142 -369.809
201612 159.595 105.222 207.095
201703 224.921 106.476 288.426
201706 6.656 107.722 8.437
201709 -484.148 108.020 -611.967
201712 311.861 109.017 390.592
201803 -330.786 110.097 -410.232
201806 527.313 111.085 648.142
201809 -565.409 111.135 -694.656
201812 1,011.936 112.430 1,228.930
201903 -4,156.114 112.829 -5,029.495
201906 2,696.946 114.730 3,209.595
201909 275.410 114.905 327.264
201912 -754.616 115.486 -892.181
202003 -953.829 116.252 -1,120.275
202006 27.432 116.630 32.115
202009 1,527.652 116.397 1,792.008
202012 1,620.568 117.318 1,886.071
202103 -38.778 117.840 -44.931
202106 -24.336 118.184 -28.116
202109 714.136 118.262 824.504
202112 895.191 119.516 1,022.692
202203 -832.065 120.948 -939.320
202206 -1,238.759 123.322 -1,371.515
202209 -430.763 125.298 -469.406
202212 1,879.287 126.098 2,034.894
202303 -158.801 126.953 -170.792
202306 -995.848 127.663 -1,065.085
202309 950.900 128.151 1,013.135
202312 -175.171 129.395 -184.842
202403 270.286 130.607 282.561
202406 838.506 130.792 875.351
202409 -695.322 130.361 -728.273
202412 606.607 131.432 630.179
202503 -379.792 131.948 -393.004
202506 -438.449 133.241 -449.302
202509 -179.655 133.819 -183.306
202512 1,394.393 135.271 1,407.460
202603 -399.328 136.539 -399.328

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 Rp333.08 mean?
PT Bank SMBC Indonesia Tbk (ISX:BTPN) has a Cyclically Adjusted FCF per Share of Rp333.08 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 SMBC Indonesia Tbk and its competitors.
Is PT Bank SMBC Indonesia Tbk's Cyclically Adjusted FCF per Share too high?
PT Bank SMBC Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp333.08. Overall, PT Bank SMBC Indonesia Tbk has a GF Score™ of 46/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank SMBC Indonesia Tbk's Cyclically Adjusted FCF per Share compare to competitors?
PT Bank SMBC Indonesia Tbk's Cyclically Adjusted FCF per Share of Rp333.08 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 SMBC Indonesia Tbk and its competitors. PT Bank SMBC Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp333.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank SMBC Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank SMBC Indonesia Tbk (ISX:BTPN) is currently considered Fairly Valued. The stock's GF Value™ is Rp2,363.69, compared to a current price of Rp2,240.00 — trading 5.2% below its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp333.08. PT Bank SMBC Indonesia Tbk's overall GF Score™ is 46/100 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 Bank SMBC Indonesia Tbk (ISX:BTPN), the current Cyclically Adjusted FCF per Share is Rp333.08 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 SMBC Indonesia Tbk (ISX:BTPN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank SMBC Indonesia Tbk stock appears to be undervalued. The current stock price of Rp2,240.00 is trading 5.2% below its estimated GF Value™ of Rp2,363.69. GuruFocus considers PT Bank SMBC Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:BTPN:

  • Cyclically Adjusted FCF per Share: Rp333.08
  • GF Value™: Rp2,363.69 vs. price of Rp2,240.00 (5.2% below fair value)
  • GF Score™: 46/100 with 6 warning signs

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


PT Bank SMBC Indonesia Tbk Business Description

Address Jalan Dr. Ide Anak Agung Gde Agung, Menara SMBC, CBD Mega Kuningan Lantai 29, Kavling 5.5 - 5.6, Jakarta Selatan, Jakarta, IDN, 12950
PT Bank SMBC Indonesia Tbk is a foreign exchange bank. It offers products and services such as green financing, products and services for retired customers, for micro, small, and medium enterprise customers, for large national, multinational, and Japanese corporations, wealth management services through Sinaya, as well as digital banking services for digital-savvy communities through Jenius. The company's segment includes: Retail, MSME, Funding and Treasury, Corporate, Sharia, and Financing. The company generates the majority of its revenue from Retail segment.
46GF Score

Get the complete analysis for ISX:BTPN

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

Rp2,240.00
Price
Rp2,363.69
GF Value