PT Bank Pan Indonesia Tbk (FRA:PTQ) E10: €0.01 (As of Mar. 2026)


FRA:PTQ PT Bank Pan Indonesia Tbk FRA:PTQ
63 GF Score
Price €0.04
GF Value €0.05
! 2 Warning Signs
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What is PT Bank Pan Indonesia Tbk E10?

PT Bank Pan Indonesia Tbk FRA:PTQ -5.33% 63 E10 is €0.01 as of Mar. 2026. GuruFocus rates FRA:PTQ with a GF Score™ of 63/100 and a GF Value™ of €0.05. The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

PT Bank Pan Indonesia Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.001. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.01 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank Pan Indonesia Tbk's average E10 Growth Rate was 6.40% per year. During the past 3 years, the average E10 Growth Rate was 1.90% per year. During the past 5 years, the average E10 Growth Rate was 1.90% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of PT Bank Pan Indonesia Tbk was 2.50% per year. The lowest was 1.60% per year. And the median was 1.75% per year.

As of today (2026-06-29), PT Bank Pan Indonesia Tbk's current stock price is €0.0355. PT Bank Pan Indonesia Tbk's E10 for the quarter that ended in Mar. 2026 was €0.01. PT Bank Pan Indonesia Tbk's Shiller PE Ratio of today is 3.55.

During the past 13 years, the highest Shiller PE Ratio of PT Bank Pan Indonesia Tbk was 22.17. The lowest was 5.75. And the median was 9.24.


PT Bank Pan Indonesia Tbk  (FRA:PTQ) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

PT Bank Pan Indonesia Tbk's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=0.0355/0.01
=3.55

* 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 Shiller P/E Ratio of PT Bank Pan Indonesia Tbk was 22.17. The lowest was 5.75. And the median was 9.24.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


PT Bank Pan Indonesia Tbk E10 Related Terms


PT Bank Pan Indonesia Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Bank Pan Indonesia Tbk's E10 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 E10 Chart

PT Bank Pan Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 0.01 0.01 0.01 0.01

PT Bank Pan Indonesia Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.01 0.01 0.01 0.01 0.01

PT Bank Pan Indonesia Tbk E10 Competitor Comparison

For the Banks - Regional subindustry, PT Bank Pan Indonesia Tbk's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Pan Indonesia Tbk's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where PT Bank Pan Indonesia Tbk's Shiller PE Ratio falls into.


FRA:PTQ
63GF Score
PT Bank Pan Indonesia Tbk FRA:PTQ
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Pan Indonesia Tbk E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.001/136.5387*136.5387
=0.001

Current CPI (Mar. 2026) = 136.5387.

PT Bank Pan Indonesia Tbk Quarterly Data

per share eps CPI Adj_EPS
201606 0.001 103.212 0.001
201609 0.002 104.142 0.003
201612 0.002 105.222 0.003
201703 0.002 106.476 0.003
201706 0.002 107.722 0.003
201709 0.002 108.020 0.003
201712 0.001 109.017 0.001
201803 0.002 110.097 0.002
201806 0.002 111.085 0.002
201809 0.002 111.135 0.002
201812 0.003 112.430 0.004
201903 0.002 112.829 0.002
201906 0.002 114.730 0.002
201909 0.002 114.905 0.002
201912 0.002 115.486 0.002
202003 0.002 116.252 0.002
202006 0.002 116.630 0.002
202009 0.002 116.397 0.002
202012 0.002 117.318 0.002
202103 0.001 117.840 0.001
202106 0.002 118.184 0.002
202109 0.002 118.262 0.002
202112 0.000 119.516 0.000
202203 0.002 120.948 0.002
202206 0.002 123.322 0.002
202209 0.002 125.298 0.002
202212 0.002 126.098 0.002
202303 0.001 126.953 0.001
202306 0.003 127.663 0.003
202309 0.002 128.151 0.002
202312 0.000 129.395 0.000
202403 0.002 130.607 0.002
202406 0.001 130.792 0.001
202409 0.002 130.361 0.002
202412 0.001 131.432 0.001
202503 0.002 131.948 0.002
202506 0.001 133.241 0.001
202509 0.002 133.819 0.002
202512 0.001 135.271 0.001
202603 0.001 136.539 0.001

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.01 mean?
PT Bank Pan Indonesia Tbk (FRA:PTQ) has a E10 of €0.01 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings 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 E10 too high?
PT Bank Pan Indonesia Tbk's current E10 is €0.01. Overall, PT Bank Pan Indonesia Tbk has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pan Indonesia Tbk's E10 compare to competitors?
PT Bank Pan Indonesia Tbk's E10 of €0.01 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings 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 E10 is €0.01. 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 (FRA:PTQ) has a current E10 of €0.01. The stock's GF Value™ is €0.05, compared to a current price of €0.04 — trading 29% below its estimated fair value. The current E10 is €0.01. PT Bank Pan Indonesia Tbk's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For PT Bank Pan Indonesia Tbk (FRA:PTQ), the current E10 is €0.01 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 Pan Indonesia Tbk (FRA: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 29% below its estimated GF Value™ of €0.05.

Key valuation signals for FRA:PTQ:

  • E10: €0.01
  • GF Value™: €0.05 vs. price of €0.04 (29% below fair value)
  • GF Score™: 63/100 with 2 warning signs

No single metric tells the full story. See the FRA: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.
63GF Score

Get the complete analysis for FRA:PTQ

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.04
Price
€0.05
GF Value