PT Panin Financial Tbk (ISX:PNLF) Cyclically Adjusted FCF per Share: Rp (As of Jun. 2026)

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ISX:PNLF PT Panin Financial Tbk ISX:PNLF
73 GF Score
Price Rp210.00
GF Value Rp276.80
Valuation Modestly Undervalued
! 4 Warning Signs
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What is PT Panin Financial Tbk Cyclically Adjusted FCF per Share?

PT Panin Financial Tbk ISX:PNLF -4.55% 73 Cyclically Adjusted FCF per Share is Rp as of Jun. 2026. GuruFocus rates ISX:PNLF with a GF Score™ of 73/100 and a GF Value™ of Rp276.80 (Modestly Undervalued). The stock has 4 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 Panin Financial Tbk's adjusted free cash flow per share for the three months ended in Jun. 2026 was Rp218.036. 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 for the trailing ten years ended in Jun. 2026.

During the past 12 months, PT Panin Financial Tbk's average Cyclically Adjusted FCF Growth Rate was 26.50% 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 Panin Financial Tbk was -97.20% per year. The lowest was -97.20% per year. And the median was -97.20% per year.

As of today (2026-09-21), PT Panin Financial Tbk's current stock price is Rp210.00. PT Panin Financial Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was Rp. PT Panin Financial Tbk's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PT Panin Financial Tbk was 9733.33. The lowest was 4.12. And the median was 11.16.


PT Panin Financial Tbk  (ISX:PNLF) 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 Panin Financial Tbk was 9733.33. The lowest was 4.12. And the median was 11.16.


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 Panin Financial Tbk Cyclically Adjusted FCF per Share Related Terms


PT Panin Financial Tbk Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for PT Panin Financial 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 Panin Financial Tbk Cyclically Adjusted FCF per Share Chart

PT Panin Financial Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
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PT Panin Financial Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Mar26 Jun26
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PT Panin Financial Tbk Cyclically Adjusted FCF per Share Competitor Comparison

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

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

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


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

PT Panin Financial 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 Panin Financial 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)
=218.036/137.6954*137.6954
=218.036

Current CPI (Jun. 2026) = 137.6954.

PT Panin Financial Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 4.254 103.212 5.675
201609 -4.796 104.142 -6.341
201612 37.924 105.222 49.628
201703 -8.287 106.476 -10.717
201706 10.528 107.722 13.457
201709 12.621 108.020 16.088
201712 -8.822 109.017 -11.143
201803 0.420 110.097 0.525
201806 4.800 111.085 5.950
201809 15.849 111.135 19.637
201812 7.937 112.430 9.721
201903 2.182 112.829 2.663
201906 1.341 114.730 1.609
201909 12.732 114.905 15.257
201912 -3.409 115.486 -4.065
202003 6.799 116.252 8.053
202006 -0.381 116.630 -0.450
202009 6.808 116.397 8.054
202012 8.668 117.318 10.174
202103 5.381 117.840 6.288
202106 4.479 118.184 5.218
202109 -7.550 118.262 -8.791
202112 15.014 119.516 17.298
202203 1.939 120.948 2.207
202206 13.597 123.322 15.182
202209 -9.141 125.298 -10.045
202212 -11.617 126.098 -12.685
202303 45.262 126.953 49.092
202306 90.359 127.663 97.460
202309 -17.958 128.151 -19.295
202312 120.566 129.395 128.300
202403 154.654 130.607 163.047
202406 -72.851 130.792 -76.696
202409 302.881 130.361 319.922
202412 226.436 131.432 237.228
202503 -307.949 131.948 -321.362
202506 54.424 133.241 56.244
202509 31.706 133.819 32.624
202603 -140.673 136.539 -141.865
202606 218.036 137.695 218.036

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 mean?
PT Panin Financial Tbk (ISX:PNLF) has a Cyclically Adjusted FCF per Share of Rp 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 Panin Financial Tbk and its competitors.
Is PT Panin Financial Tbk's Cyclically Adjusted FCF per Share too high?
PT Panin Financial Tbk's current Cyclically Adjusted FCF per Share is Rp. Overall, PT Panin Financial Tbk has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Panin Financial Tbk's Cyclically Adjusted FCF per Share compare to competitors?
PT Panin Financial Tbk's Cyclically Adjusted FCF per Share of Rp 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 Panin Financial Tbk and its competitors. PT Panin Financial Tbk's current Cyclically Adjusted FCF per Share is Rp. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Panin Financial Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Panin Financial Tbk (ISX:PNLF) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp276.80, compared to a current price of Rp210.00 — trading 24.1% below its estimated fair value. The current Cyclically Adjusted FCF per Share is Rp. PT Panin Financial Tbk's overall GF Score™ is 73/100 with 4 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 Panin Financial Tbk (ISX:PNLF), the current Cyclically Adjusted FCF per Share is Rp 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 Panin Financial Tbk (ISX:PNLF) Overvalued in 2026?

Based on GuruFocus' analysis, PT Panin Financial Tbk stock appears to be undervalued. The current stock price of Rp210.00 is trading 24.1% below its estimated GF Value™ of Rp276.80. GuruFocus considers PT Panin Financial Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PNLF:

  • Cyclically Adjusted FCF per Share: Rp
  • GF Value™: Rp276.80 vs. price of Rp210.00 (24.1% below fair value)
  • GF Score™: 73/100 with 4 warning signs

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


PT Panin Financial Tbk Business Description

Address Jalan Jendral Sudirman Kav. 1 - Senayan, Panin Bank Headquarters Building, 8th Floor, Jakarta, IDN, 10270
PT Panin Financial Tbk is an Indonesian company in providing management, business, and administration consulting services. The company is also engaged in providing life insurance, health insurance, personal insurance, and annuity business. The company's reportable segments are Life insurance and business consulting services, and Banking and Multi-finance.
73GF Score

Get the complete analysis for ISX:PNLF

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

Rp210.00
Price
Rp276.80
GF Value