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PT Bank Mandiri (Persero) TbkFRA:PQ9 +1.10%85 EV-to-FCF is 3.56 as of Jul. 14, 2026, which is 34% above its 10-year median of 2.65. GuruFocus rates FRA:PQ9 with a GF Score™ of 85/100 and a GF Value™ of €0.29 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,199 Banks companies, PT Bank Mandiri (Persero) Tbk ranks better than 62.89% on this metric.
The historical rank and industry rank for PT Bank Mandiri (Persero) Tbk's EV-to-FCF or its related term are showing as below:
FRA:PQ9'
s EV-to-FCF Range Over the Past 10 Years
Min: -105.01 Med: 2.65 Max: 127.14
Current: 3.69
During the past 13 years, the highest EV-to-FCF of PT Bank Mandiri (Persero) Tbk was 127.14. The lowest was -105.01. And the median was 2.65.
FRA:PQ9's EV-to-FCF is ranked better than 62.89% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs FRA:PQ9: 3.69
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PT Bank Mandiri (Persero) Tbk (FRA:PQ9) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PT Bank Mandiri (Persero) Tbk's PE Ratio (TTM) for today is calculated as:
PT Bank Mandiri (Persero) Tbk's share price for today is €0.183.
PT Bank Mandiri (Persero) Tbk's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.031.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PT Bank Mandiri (Persero) Tbk EV-to-FCF Related Terms
PT Bank Mandiri (Persero) Tbk EV-to-FCF Historical Data
* 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 Mandiri (Persero) Tbk EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, PT Bank Mandiri (Persero) Tbk's EV-to-FCF, along with its competitors' market caps and EV-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 Mandiri (Persero) Tbk EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Mandiri (Persero) Tbk's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PT Bank Mandiri (Persero) Tbk's EV-to-FCF falls into.
PT Bank Mandiri (Persero) Tbk's current Enterprise Value is €17,411 Mil.
PT Bank Mandiri (Persero) Tbk's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €4,886 Mil.
* 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 Mandiri (Persero) Tbk (FRA:PQ9) has a EV-to-FCF of 3.56 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PT Bank Mandiri (Persero) Tbk and its competitors. This is 34% above median its historical median of 2.65. According to the industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #445 out of 1199 companies in the Banks industry, placing it in the top 37.1%.
Is PT Bank Mandiri (Persero) Tbk's EV-to-FCF too high?
PT Bank Mandiri (Persero) Tbk's current EV-to-FCF of 3.56 is 34% above median its 10-year median of 2.65. The Banks industry median EV-to-FCF is 6.57. PT Bank Mandiri (Persero) Tbk's value of 3.56 is 45.8% below this industry median. Based on the distribution chart, PT Bank Mandiri (Persero) Tbk ranks #445 out of 1199 companies in the Banks industry, which is above the industry midpoint. Overall, PT Bank Mandiri (Persero) Tbk has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Mandiri (Persero) Tbk's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #445 out of 1199 companies for EV-to-FCF. This puts PT Bank Mandiri (Persero) Tbk in the upper half of its industry. The industry median EV-to-FCF is 6.57. PT Bank Mandiri (Persero) Tbk's value of 3.56 is 45.8% below this benchmark. While the company's 10-year median is 2.65 vs. the industry median of 6.57, PT Bank Mandiri (Persero) Tbk has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Bank Mandiri (Persero) Tbk's current EV-to-FCF of 3.56 is 45.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PT Bank Mandiri (Persero) Tbk and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Mandiri (Persero) Tbk's current EV-to-FCF is 3.56, which is 34% above median its own 10-year median of 2.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Mandiri (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk (FRA:PQ9) is currently considered Significantly Undervalued. The stock's GF Value™ is €0.29, compared to a current price of €0.18 — trading 36.9% below its estimated fair value. The current EV-to-FCF is 3.56, which is 34% above median its 10-year median of 2.65 and 45.8% below the Banks industry median of 6.57. PT Bank Mandiri (Persero) Tbk's overall GF Score™ is 85/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For PT Bank Mandiri (Persero) Tbk (FRA:PQ9), the current EV-to-FCF is 3.56 as of Jul. 14, 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 Mandiri (Persero) Tbk (FRA:PQ9) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk stock appears to be undervalued.
The current stock price of €0.18 is trading 36.9% below its estimated GF Value™ of €0.29.
GuruFocus considers PT Bank Mandiri (Persero) Tbk to be Significantly Undervalued.
Key valuation signals for FRA:PQ9:
EV-to-FCF: 3.56 (34% above median its 10-year median of 2.65)
GF Value™: €0.29 vs. price of €0.18 (36.9% below fair value)
Industry Position: 45.8% below the Banks median (#445 of 1199)
No single metric tells the full story. See the FRA:PQ9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Mandiri (Persero) Tbk Business Description
PT Bank Mandiri (Persero) Tbk is engaged in the provision of banking services. Its services include collecting funds from the public in forms of current accounts, term deposits, deposit certificates, savings, and/or other equivalent forms; Lending; Issuing promissory notes; Purchasing, selling, or guaranteeing on own risk or for the interest of and upon orders of the customers; and money transfer for self- interest or customers' interest. Its segments include the Wholesale segment and the Retail segment. Geographically, it operates in Indonesia, Asia (Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia), Western Europe (United Kingdom), and the Cayman Islands.
85GF Score
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