PT Bank Pan Indonesia Tbk (STU:PTQ) Cyclically Adjusted FCF per Share: €0.02 (As of Jun. 2026)

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STU:PTQ PT Bank Pan Indonesia Tbk STU:PTQ
58 GF Score
Price €0.04
GF Value €0.05
! 4 Warning Signs
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What is PT Bank Pan Indonesia Tbk Cyclically Adjusted FCF per Share?

PT Bank Pan Indonesia Tbk STU:PTQ 58 Cyclically Adjusted FCF per Share is €0.02 as of Jun. 2026. GuruFocus rates STU:PTQ with a GF Score™ of 58/100 and a GF Value™ of €0.05. 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 Bank Pan Indonesia Tbk's adjusted free cash flow per share for the three months ended in Jun. 2026 was €0.000. 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 €0.02 for the trailing ten years ended in Jun. 2026.

During the past 12 months, PT Bank Pan Indonesia Tbk's average Cyclically Adjusted FCF Growth Rate was 36.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 20.00% 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 Pan Indonesia Tbk was 95.40% per year. The lowest was 20.00% per year. And the median was 57.70% per year.

As of today (2026-09-15), PT Bank Pan Indonesia Tbk's current stock price is €0.037. PT Bank Pan Indonesia Tbk's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €0.02. PT Bank Pan Indonesia Tbk's Cyclically Adjusted Price-to-FCF of today is 2.31.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PT Bank Pan Indonesia Tbk was 146.69. The lowest was 5.37. And the median was 13.07.


PT Bank Pan Indonesia Tbk  (STU:PTQ) 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 Pan 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
=0.037/0.016
=2.31

* 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 Pan Indonesia Tbk was 146.69. The lowest was 5.37. And the median was 13.07.


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 Pan Indonesia Tbk Cyclically Adjusted FCF per Share Related Terms


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

* Premium members only.

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

PT Bank Pan 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 0.01 0.01 0.01 0.01 0.02

PT Bank Pan 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 0.02 0.02 0.02 0.02 0.02

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

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

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

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


STU:PTQ
58GF Score
PT Bank Pan Indonesia Tbk STU:PTQ
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Pan 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 Pan 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)
=0/137.6954*137.6954
=0.000

Current CPI (Jun. 2026) = 137.6954.

PT Bank Pan Indonesia Tbk Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.003 104.142 0.004
201612 0.006 105.222 0.008
201703 0.003 106.476 0.004
201706 0.004 107.722 0.005
201709 0.002 108.020 0.003
201712 0.004 109.017 0.005
201803 0.002 110.097 0.003
201806 0.002 111.085 0.002
201809 0.003 111.135 0.004
201812 0.003 112.430 0.004
201903 0.002 112.829 0.002
201906 0.003 114.730 0.004
201909 0.002 114.905 0.002
201912 0.002 115.486 0.002
202003 0.003 116.252 0.004
202006 0.002 116.630 0.002
202009 0.004 116.397 0.005
202012 0.003 117.318 0.004
202103 0.005 117.840 0.006
202106 0.005 118.184 0.006
202109 0.004 118.262 0.005
202112 0.004 119.516 0.005
202203 0.001 120.948 0.001
202206 0.004 123.322 0.004
202209 -0.014 125.298 -0.015
202212 0.021 126.098 0.023
202303 0.002 126.953 0.002
202306 0.011 127.663 0.012
202309 0.001 128.151 0.001
202312 0.000 129.395 0.000
202403 0.003 130.607 0.003
202406 0.004 130.792 0.004
202409 0.003 130.361 0.003
202412 0.003 131.432 0.003
202503 0.000 131.948 0.000
202506 0.008 133.241 0.008
202509 0.003 133.819 0.003
202512 0.002 135.271 0.002
202603 0.003 136.539 0.003
202606 0.000 137.695 0.000

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 €0.02 mean?
PT Bank Pan Indonesia Tbk (STU:PTQ) has a Cyclically Adjusted FCF per Share of €0.02 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 Bank Pan Indonesia Tbk and its competitors.
Is PT Bank Pan Indonesia Tbk's Cyclically Adjusted FCF per Share too high?
PT Bank Pan Indonesia Tbk's current Cyclically Adjusted FCF per Share is €0.02. Overall, PT Bank Pan Indonesia Tbk has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pan Indonesia Tbk's Cyclically Adjusted FCF per Share compare to competitors?
PT Bank Pan Indonesia Tbk's Cyclically Adjusted FCF per Share of €0.02 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 Pan Indonesia Tbk and its competitors. PT Bank Pan Indonesia Tbk's current Cyclically Adjusted FCF per Share is €0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Pan Indonesia Tbk stock overvalued right now?
PT Bank Pan Indonesia Tbk (STU:PTQ) has a current Cyclically Adjusted FCF per Share of €0.02. The stock's GF Value™ is €0.05, compared to a current price of €0.04 — trading 26% below its estimated fair value. The current Cyclically Adjusted FCF per Share is €0.02. PT Bank Pan Indonesia Tbk's overall GF Score™ is 58/100 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 Bank Pan Indonesia Tbk (STU:PTQ), the current Cyclically Adjusted FCF per Share is €0.02 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 Bank Pan Indonesia Tbk (STU:PTQ) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Pan Indonesia Tbk stock appears to be undervalued. The current stock price of €0.04 is trading 26% below its estimated GF Value™ of €0.05.

Key valuation signals for STU:PTQ:

  • Cyclically Adjusted FCF per Share: €0.02
  • GF Value™: €0.05 vs. price of €0.04 (26% below fair value)
  • GF Score™: 58/100 with 4 warning signs

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


PT Bank Pan Indonesia Tbk Business Description

Other Exchanges PNBN:Indonesia
Address Jalan l. Jendral Sudirman Kav. 1, Panin Bank Center, Senayan, Jakarta, IDN, 10270
PT Bank Pan Indonesia Tbk is an Indonesian bank with a subsidiary that operates in the field of banking services. It provides Individual and business banking services. Its reportable segments are Banking and Multi-finance. It generates the majority of its revenue from the Banking segment, which includes conventional commercial banks and Sharia commercial banks. The principal operation of the group is in Indonesia.
58GF Score

Get the complete analysis for STU:PTQ

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

€0.04
Price
€0.05
GF Value