PT Bank JTrust Indonesia Tbk (ISX:BCIC) E10: Rp-27.08 (As of Mar. 2026)


ISX:BCIC PT Bank JTrust Indonesia Tbk ISX:BCIC
44 GF Score
Price Rp131.00
GF Value Rp111.51
Valuation Modestly Overvalued
! 2 Warning Signs
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What is PT Bank JTrust Indonesia Tbk E10?

PT Bank JTrust Indonesia Tbk ISX:BCIC -5.07% 44 E10 is Rp-27.08 as of Mar. 2026. GuruFocus rates ISX:BCIC with a GF Score™ of 44/100 and a GF Value™ of Rp111.51 (Modestly Overvalued). 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 JTrust Indonesia Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was Rp1.400. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp-27.08 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average E10 Growth Rate was 23.70% 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 JTrust Indonesia Tbk was 59.10% per year. The lowest was 23.70% per year. And the median was 41.40% per year.

As of today (2026-06-28), PT Bank JTrust Indonesia Tbk's current stock price is Rp131.00. PT Bank JTrust Indonesia Tbk's E10 for the quarter that ended in Mar. 2026 was Rp-27.08. PT Bank JTrust Indonesia Tbk's Shiller PE Ratio of today is .


PT Bank JTrust Indonesia Tbk  (ISX:BCIC) 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.


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 JTrust Indonesia Tbk E10 Related Terms


PT Bank JTrust Indonesia Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Bank JTrust 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 JTrust Indonesia Tbk E10 Chart

PT Bank JTrust 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 -617.05 -69.99 -56.92 -42.32 -31.05

PT Bank JTrust 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 -34.47 -33.14 -31.17 -31.05 -27.08

PT Bank JTrust Indonesia Tbk E10 Competitor Comparison

For the Banks - Regional subindustry, PT Bank JTrust 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 JTrust Indonesia Tbk Shiller PE Ratio vs Banks Industry

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

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


ISX:BCIC
44GF Score
PT Bank JTrust Indonesia Tbk ISX:BCIC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank JTrust 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 JTrust 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)
=1.4/136.5387*136.5387
=1.400

Current CPI (Mar. 2026) = 136.5387.

PT Bank JTrust Indonesia Tbk Quarterly Data

per share eps CPI Adj_EPS
201603 -4.000 102.764 -5.315
201606 -8.158 103.212 -10.792
201609 1.271 104.142 1.666
201612 -73.000 105.222 -94.727
201703 5.000 106.476 6.412
201709 0.000 108.020 0.000
201712 2.140 109.017 2.680
201803 0.699 110.097 0.867
201806 0.834 111.085 1.025
201809 -26.119 111.135 -32.090
201812 -15.476 112.430 -18.795
201903 -16.559 112.829 -20.039
201906 7.143 114.730 8.501
201909 14.343 114.905 17.043
201912 0.017 115.486 0.020
202003 0.879 116.252 1.032
202006 -32.501 116.630 -38.049
202009 -10.306 116.397 -12.089
202012 -6.458 117.318 -7.516
202103 -14.844 117.840 -17.199
202106 -14.673 118.184 -16.952
202109 -4.237 118.262 -4.892
202112 -8.397 119.516 -9.593
202203 -0.068 120.948 -0.077
202206 1.163 123.322 1.288
202209 3.829 125.298 4.172
202212 -0.180 126.098 -0.195
202303 4.040 126.953 4.345
202306 0.960 127.663 1.027
202309 -0.920 128.151 -0.980
202312 -2.540 129.395 -2.680
202403 2.430 130.607 2.540
202406 2.350 130.792 2.453
202409 4.120 130.361 4.315
202412 -8.740 131.432 -9.080
202503 4.850 131.948 5.019
202506 1.380 133.241 1.414
202509 -2.710 133.819 -2.765
202512 -27.180 135.271 -27.435
202603 1.400 136.539 1.400

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 Rp-27.08 mean?
PT Bank JTrust Indonesia Tbk (ISX:BCIC) has a E10 of Rp-27.08 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 JTrust Indonesia Tbk and its competitors.
Is PT Bank JTrust Indonesia Tbk's E10 too high?
PT Bank JTrust Indonesia Tbk's current E10 is Rp-27.08. Overall, PT Bank JTrust Indonesia Tbk has a GF Score™ of 44/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank JTrust Indonesia Tbk's E10 compare to competitors?
PT Bank JTrust Indonesia Tbk's E10 of Rp-27.08 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 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 JTrust Indonesia Tbk and its competitors. PT Bank JTrust Indonesia Tbk's current E10 is Rp-27.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank JTrust Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk (ISX:BCIC) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp111.51, compared to a current price of Rp131.00 — trading 17.5% above its estimated fair value. The current E10 is Rp-27.08. PT Bank JTrust Indonesia Tbk's overall GF Score™ is 44/100 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 JTrust Indonesia Tbk (ISX:BCIC), the current E10 is Rp-27.08 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 JTrust Indonesia Tbk (ISX:BCIC) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk stock appears to be overvalued. The current stock price of Rp131.00 is trading 17.5% above its estimated GF Value™ of Rp111.51. GuruFocus considers PT Bank JTrust Indonesia Tbk to be Modestly Overvalued.

Key valuation signals for ISX:BCIC:

  • E10: Rp-27.08
  • GF Value™: Rp111.51 vs. price of Rp131.00 (17.5% above fair value)
  • GF Score™: 44/100 with 2 warning signs

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


PT Bank JTrust Indonesia Tbk Business Description

Address Jalan Jenderal Sudirman No. 86, Sahid Sudirman Center, 33rd Floor, Jakarta, IDN, 10220
PT Bank JTrust Indonesia Tbk is an Indonesia-based financial institution. It is engaged in providing financial services. The company's business activities include Corporate Banking, Commercial & SME services, Business Linkage & Consumer operations, a dedicated Japan/Korean Desk, and Funding activities. The company's business divisions are Retail funding, Loan and export/import and Treasury. Its products and services include public deposit taking in the form of demand deposits, and time deposits, providing credit/loans, either for the long term, medium-term, or short-term loan, fund transfer, and foreign exchange activities in accordance with regulations from Bank Indonesia. The company derives maximum revenue from the Loan and export/import segment.
44GF Score

Get the complete analysis for ISX:BCIC

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

Rp131.00
Price
Rp111.51
GF Value