PT Bank Pembangunan Daerah Jawa Timur Tbk (ISX:BJTM) E10: Rp103.89 (As of Mar. 2026)


ISX:BJTM PT Bank Pembangunan Daerah Jawa Timur Tbk ISX:BJTM
71 GF Score
Price Rp510.00
GF Value Rp844.29
Valuation Significantly Undervalued
! 2 Warning Signs
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What is PT Bank Pembangunan Daerah Jawa Timur Tbk E10?

PT Bank Pembangunan Daerah Jawa Timur Tbk ISX:BJTM 71 E10 is Rp103.89 as of Mar. 2026. GuruFocus rates ISX:BJTM with a GF Score™ of 71/100 and a GF Value™ of Rp844.29 (Significantly Undervalued). 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 Pembangunan Daerah Jawa Timur Tbk's adjusted earnings per share data for the three months ended in Mar. 2026 was Rp25.830. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is Rp103.89 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PT Bank Pembangunan Daerah Jawa Timur Tbk's average E10 Growth Rate was 5.50% per year. During the past 3 years, the average E10 Growth Rate was 3.60% per year. During the past 5 years, the average E10 Growth Rate was 4.70% 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 Pembangunan Daerah Jawa Timur Tbk was 5.70% per year. The lowest was 3.60% per year. And the median was 4.90% per year.

As of today (2026-06-29), PT Bank Pembangunan Daerah Jawa Timur Tbk's current stock price is Rp510.00. PT Bank Pembangunan Daerah Jawa Timur Tbk's E10 for the quarter that ended in Mar. 2026 was Rp103.89. PT Bank Pembangunan Daerah Jawa Timur Tbk's Shiller PE Ratio of today is 4.91.

During the past 13 years, the highest Shiller PE Ratio of PT Bank Pembangunan Daerah Jawa Timur Tbk was 11.74. The lowest was 4.61. And the median was 6.80.


PT Bank Pembangunan Daerah Jawa Timur Tbk  (ISX:BJTM) 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 Pembangunan Daerah Jawa Timur Tbk's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=510.00/103.89
=4.91

* 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 Pembangunan Daerah Jawa Timur Tbk was 11.74. The lowest was 4.61. And the median was 6.80.


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 Pembangunan Daerah Jawa Timur Tbk E10 Related Terms


PT Bank Pembangunan Daerah Jawa Timur Tbk E10 Historical Data

* Premium members only.

The historical data trend for PT Bank Pembangunan Daerah Jawa Timur 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 Pembangunan Daerah Jawa Timur Tbk E10 Chart

PT Bank Pembangunan Daerah Jawa Timur 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 85.35 92.87 97.11 98.45 103.13

PT Bank Pembangunan Daerah Jawa Timur 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 98.50 99.81 101.06 103.13 103.89

PT Bank Pembangunan Daerah Jawa Timur Tbk E10 Competitor Comparison

For the Banks - Regional subindustry, PT Bank Pembangunan Daerah Jawa Timur 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 Pembangunan Daerah Jawa Timur Tbk Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where PT Bank Pembangunan Daerah Jawa Timur Tbk's Shiller PE Ratio falls into.


ISX:BJTM
71GF Score
PT Bank Pembangunan Daerah Jawa Timur Tbk ISX:BJTM
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Pembangunan Daerah Jawa Timur 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 Pembangunan Daerah Jawa Timur 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)
=25.83/136.5387*136.5387
=25.830

Current CPI (Mar. 2026) = 136.5387.

PT Bank Pembangunan Daerah Jawa Timur Tbk Quarterly Data

per share eps CPI Adj_EPS
201606 16.640 103.212 22.013
201609 18.370 104.142 24.084
201612 12.823 105.222 16.639
201703 22.760 106.476 29.186
201706 25.550 107.722 32.385
201709 19.390 108.020 24.509
201712 9.723 109.017 12.178
201803 25.200 110.097 31.252
201806 25.430 111.085 31.257
201809 20.130 111.135 24.732
201812 13.386 112.430 16.256
201903 27.050 112.829 32.734
201906 27.380 114.730 32.585
201909 21.590 114.905 25.655
201912 15.735 115.486 18.603
202003 29.260 116.252 34.366
202006 22.030 116.630 25.791
202009 21.930 116.397 25.725
202012 25.937 117.318 30.186
202103 29.850 117.840 34.587
202106 23.660 118.184 27.335
202109 25.430 118.262 29.360
202112 22.488 119.516 25.691
202203 30.210 120.948 34.104
202206 24.090 123.322 26.672
202209 25.838 125.298 28.156
202212 22.609 126.098 24.481
202303 20.330 126.953 21.865
202306 27.630 127.663 29.551
202309 24.949 128.151 26.582
202312 24.997 129.395 26.377
202403 18.760 130.607 19.612
202406 22.588 130.792 23.581
202409 20.590 130.361 21.566
202412 23.420 131.432 24.330
202503 19.840 131.948 20.530
202506 27.287 133.241 27.962
202509 23.490 133.819 23.967
202512 26.426 135.271 26.674
202603 25.830 136.539 25.830

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 Rp103.89 mean?
PT Bank Pembangunan Daerah Jawa Timur Tbk (ISX:BJTM) has a E10 of Rp103.89 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 Pembangunan Daerah Jawa Timur Tbk and its competitors.
Is PT Bank Pembangunan Daerah Jawa Timur Tbk's E10 too high?
PT Bank Pembangunan Daerah Jawa Timur Tbk's current E10 is Rp103.89. Overall, PT Bank Pembangunan Daerah Jawa Timur Tbk has a GF Score™ of 71/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pembangunan Daerah Jawa Timur Tbk's E10 compare to competitors?
PT Bank Pembangunan Daerah Jawa Timur Tbk's E10 of Rp103.89 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 Pembangunan Daerah Jawa Timur Tbk and its competitors. PT Bank Pembangunan Daerah Jawa Timur Tbk's current E10 is Rp103.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Pembangunan Daerah Jawa Timur Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Pembangunan Daerah Jawa Timur Tbk (ISX:BJTM) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp844.29, compared to a current price of Rp510.00 — trading 39.6% below its estimated fair value. The current E10 is Rp103.89. PT Bank Pembangunan Daerah Jawa Timur Tbk's overall GF Score™ is 71/100 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 Pembangunan Daerah Jawa Timur Tbk (ISX:BJTM), the current E10 is Rp103.89 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 Pembangunan Daerah Jawa Timur Tbk (ISX:BJTM) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Pembangunan Daerah Jawa Timur Tbk stock appears to be undervalued. The current stock price of Rp510.00 is trading 39.6% below its estimated GF Value™ of Rp844.29. GuruFocus considers PT Bank Pembangunan Daerah Jawa Timur Tbk to be Significantly Undervalued.

Key valuation signals for ISX:BJTM:

  • E10: Rp103.89
  • GF Value™: Rp844.29 vs. price of Rp510.00 (39.6% below fair value)
  • GF Score™: 71/100 with 2 warning signs

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


PT Bank Pembangunan Daerah Jawa Timur Tbk Business Description

Other Exchanges P7T:Germany
Address Jalan Basuki Rachmad No. 98 - 104, Surabaya, IDN, 60271
PT Bank Pembangunan Daerah Jawa Timur Tbk is an Indonesian bank. The bank generates all of its revenue domestically. The bank operates under two segments: conventional and Sharia. The conventional segment includes deposits in local and foreign currency, savings accounts, checking accounts, capital loans, property construction loans, working-capital finance, mortgages, small and midsize enterprise loans, personal loans, mobile banking, debit cards, and safety deposit boxes. The Sharia segment provides banking services in accordance with Islamic traditions. The bank generates majority of its revenue from conventional services.
71GF Score

Get the complete analysis for ISX:BJTM

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

Rp510.00
Price
Rp844.29
GF Value