PT Bank Pan Indonesia TbkFRA:PTQ 62 EV-to-FCF is 8.69 as of Jul. 08, 2026, which is 630% above its 10-year median of 1.19. GuruFocus rates FRA:PTQ with a GF Score™ of 62/100 and a GF Value™ of €0.05. The stock has 2 warning signs investors should review. Among 1,195 Banks companies, PT Bank Pan Indonesia Tbk ranks worse than 59.08% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, PT Bank Pan Indonesia Tbk's Enterprise Value is €1,047.9 Mil.
PT Bank Pan Indonesia Tbk's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €120.6 Mil. Therefore, PT Bank Pan Indonesia Tbk's EV-to-FCF for today is 8.69.
The historical rank and industry rank for PT Bank Pan Indonesia Tbk's EV-to-FCF or its related term are showing as below:
FRA:PTQ'
s EV-to-FCF Range Over the Past 10 Years
Min: -66.42 Med: 1.19 Max: 356.13
Current: 9.38
During the past 13 years, the highest EV-to-FCF of PT Bank Pan Indonesia Tbk was 356.13. The lowest was -66.42. And the median was 1.19.
FRA:PTQ's EV-to-FCF is ranked worse than 59.08% of 1195
companies
in the Banks industry
Industry Median: 6.57
vs FRA:PTQ: 9.38
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 Pan Indonesia Tbk (FRA:PTQ) 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 Pan Indonesia Tbk's PE Ratio (TTM) for today is calculated as:
PT Bank Pan Indonesia Tbk's share price for today is €0.035.
PT Bank Pan Indonesia 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 €0.005.
* 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 Pan Indonesia Tbk EV-to-FCF Related Terms
PT Bank Pan Indonesia 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 Pan Indonesia Tbk EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, PT Bank Pan Indonesia 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 Pan Indonesia Tbk EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Pan Indonesia Tbk's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PT Bank Pan Indonesia Tbk's EV-to-FCF falls into.
PT Bank Pan Indonesia Tbk's current Enterprise Value is €1,047.9 Mil.
PT Bank Pan Indonesia 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 €120.6 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 Pan Indonesia Tbk (FRA:PTQ) has a EV-to-FCF of 8.69 as of Jul. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PT Bank Pan Indonesia Tbk and its competitors. This is 630% above median its historical median of 1.19. According to the industry distribution chart, PT Bank Pan Indonesia Tbk ranks #706 out of 1195 companies in the Banks industry, placing it in the top 59.1%.
Is PT Bank Pan Indonesia Tbk's EV-to-FCF too high?
PT Bank Pan Indonesia Tbk's current EV-to-FCF of 8.69 is 630% above median its 10-year median of 1.19. The Banks industry median EV-to-FCF is 6.57. PT Bank Pan Indonesia Tbk's value of 8.69 is 32.3% above this industry median. Based on the distribution chart, PT Bank Pan Indonesia Tbk ranks #706 out of 1195 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Pan Indonesia Tbk has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pan Indonesia Tbk's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, PT Bank Pan Indonesia Tbk ranks #706 out of 1195 companies for EV-to-FCF. This places PT Bank Pan Indonesia Tbk in the lower half of its industry. The industry median EV-to-FCF is 6.57. PT Bank Pan Indonesia Tbk's value of 8.69 is 32.3% above this benchmark. While the company's 10-year median is 1.19 vs. the industry median of 6.57, PT Bank Pan Indonesia Tbk has consistently been above 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 1,195 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 Pan Indonesia Tbk's current EV-to-FCF of 8.69 is 32.3% above 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 Pan Indonesia 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 Pan Indonesia Tbk's current EV-to-FCF is 8.69, which is 630% above median its own 10-year median of 1.19. 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 EV-to-FCF of 8.69. The stock's GF Value™ is €0.05, compared to a current price of €0.04 — trading 30% below its estimated fair value. The current EV-to-FCF is 8.69, which is 630% above median its 10-year median of 1.19 and 32.3% above the Banks industry median of 6.57. PT Bank Pan Indonesia Tbk's overall GF Score™ is 62/100 with 2 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 Pan Indonesia Tbk (FRA:PTQ), the current EV-to-FCF is 8.69 as of Jul. 08, 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 30% below its estimated GF Value™ of €0.05.
Key valuation signals for FRA:PTQ:
EV-to-FCF: 8.69 (630% above median its 10-year median of 1.19)
GF Value™: €0.05 vs. price of €0.04 (30% below fair value)
Industry Position: 32.3% above the Banks median (#706 of 1195)
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 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.
62GF Score
Get the complete analysis for FRA:PTQ
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:PTQ has been successfully added to your 
