PT Clipan Finance Indonesia Tbk (ISX:CFIN) Cyclically Adjusted FCF per Share: Rp-6.91 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ISX:CFIN PT Clipan Finance Indonesia Tbk ISX:CFIN
73 GF Score
Price Rp334.00
GF Value Rp347.74
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

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

PT Clipan Finance Indonesia Tbk ISX:CFIN 73 Cyclically Adjusted FCF per Share is Rp-6.91 as of Mar. 2026. GuruFocus rates ISX:CFIN with a GF Score™ of 73/100 and a GF Value™ of Rp347.74 (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 Clipan Finance Indonesia Tbk's adjusted free cash flow per share for the three months ended in Mar. 2026 was Rp-0.412. 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-6.91 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 25.80% 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 Clipan Finance Indonesia Tbk was 25.80% per year. The lowest was -346.50% per year. And the median was -160.35% per year.

As of today (2026-07-18), PT Clipan Finance Indonesia Tbk's current stock price is Rp334.00. PT Clipan Finance Indonesia Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was Rp-6.91. PT Clipan 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 Clipan Finance Indonesia Tbk was 163.04. The lowest was 122.83. And the median was 132.61.


PT Clipan Finance Indonesia Tbk  (ISX:CFIN) 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 Clipan Finance Indonesia Tbk was 163.04. The lowest was 122.83. And the median was 132.61.


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 Clipan Finance Indonesia Tbk Cyclically Adjusted FCF per Share Related Terms


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

* Premium members only.

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

PT Clipan 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 -0.10 -14.05 -12.04 -8.90 -5.73

PT Clipan 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 -3.71 -10.26 -8.02 -5.73 -6.91

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

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

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

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


ISX:CFIN
73GF Score
PT Clipan Finance Indonesia Tbk ISX:CFIN
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Clipan 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 Clipan 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)
=-0.412/136.5387*136.5387
=-0.412

Current CPI (Mar. 2026) = 136.5387.

PT Clipan Finance Indonesia Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.110 103.212 -0.146
201609 39.138 104.142 51.313
201612 6.330 105.222 8.214
201703 -125.863 106.476 -161.400
201706 -172.620 107.722 -218.799
201709 -160.748 108.020 -203.187
201712 -246.379 109.017 -308.578
201803 -73.751 110.097 -91.464
201806 -173.671 111.085 -213.466
201809 18.411 111.135 22.620
201812 29.373 112.430 35.672
201903 -131.404 112.829 -159.018
201906 -97.480 114.730 -116.009
201909 24.033 114.905 28.558
201912 52.340 115.486 61.881
202003 55.803 116.252 65.541
202006 293.562 116.630 343.674
202009 182.062 116.397 213.567
202012 191.415 117.318 222.775
202103 190.569 117.840 220.809
202106 149.786 118.184 173.049
202109 111.521 118.262 128.756
202112 72.721 119.516 83.079
202203 17.906 120.948 20.214
202206 -23.048 123.322 -25.518
202209 -15.597 125.298 -16.996
202212 -119.010 126.098 -128.864
202303 -100.140 126.953 -107.702
202306 18.332 127.663 19.607
202309 -79.819 128.151 -85.043
202312 -114.670 129.395 -121.001
202403 -82.579 130.607 -86.329
202406 10.354 130.792 10.809
202409 16.938 130.361 17.741
202412 35.891 131.432 37.286
202503 29.521 131.948 30.548
202506 57.788 133.241 59.218
202509 44.032 133.819 44.927
202512 74.251 135.271 74.947
202603 -0.412 136.539 -0.412

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-6.91 mean?
PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a Cyclically Adjusted FCF per Share of Rp-6.91 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 Clipan Finance Indonesia Tbk and its competitors.
Is PT Clipan Finance Indonesia Tbk's Cyclically Adjusted FCF per Share too high?
PT Clipan Finance Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp-6.91. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's Cyclically Adjusted FCF per Share compare to V and MA?
PT Clipan Finance Indonesia Tbk's Cyclically Adjusted FCF per Share of Rp-6.91 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 Clipan Finance Indonesia Tbk and its competitors. PT Clipan Finance Indonesia Tbk's current Cyclically Adjusted FCF per Share is Rp-6.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Clipan Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk (ISX:CFIN) is currently considered Fairly Valued. The stock's GF Value™ is Rp347.74, compared to a current price of Rp334.00 — trading 4% below its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp-6.91. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 73/100 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 Clipan Finance Indonesia Tbk (ISX:CFIN), the current Cyclically Adjusted FCF per Share is Rp-6.91 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 Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be undervalued. The current stock price of Rp334.00 is trading 4% below its estimated GF Value™ of Rp347.74. GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:CFIN:

  • Cyclically Adjusted FCF per Share: Rp-6.91
  • GF Value™: Rp347.74 vs. price of Rp334.00 (4% below fair value)
  • GF Score™: 73/100 with 3 warning signs

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


PT Clipan Finance Indonesia Tbk Business Description

Address Jalan Letjen. S. Parman Kav. 12, Wisma Slip, 6th Floor, Jakarta, IDN, 11480
PT Clipan Finance Indonesia Tbk is an Indonesian company engaged in providing financing solutions for new cars, used cars, heavy equipment, and multipurpose vehicles. Its operating segments are: Factoring, Sale and leaseback, Finance lease, and Consumer financing. The majority of its revenue is generated from the Consumer financing segment, which includes income generated from services like investment financing, working capital financing, and multi-purpose financing.
73GF Score

Get the complete analysis for ISX:CFIN

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

Rp334.00
Price
Rp347.74
GF Value