PT Bank Raya Indonesia TbkISX:AGRO +2.92%56 EV-to-FCF is 4.86 as of Jul. 07, 2026, which is 2458% above its 10-year median of 0.19. GuruFocus rates ISX:AGRO with a GF Score™ of 56/100 and a GF Value™ of Rp209.76 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,195 Banks companies, PT Bank Raya Indonesia Tbk ranks better than 58.08% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, PT Bank Raya Indonesia Tbk's Enterprise Value is Rp2,657,183 Mil.
PT Bank Raya Indonesia Tbk's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was Rp546,324 Mil. Therefore, PT Bank Raya Indonesia Tbk's EV-to-FCF for today is 4.86.
The historical rank and industry rank for PT Bank Raya Indonesia Tbk's EV-to-FCF or its related term are showing as below:
ISX:AGRO'
s EV-to-FCF Range Over the Past 10 Years
Min: -231.95 Med: 0.19 Max: 112.83
Current: 4.68
During the past 13 years, the highest EV-to-FCF of PT Bank Raya Indonesia Tbk was 112.83. The lowest was -231.95. And the median was 0.19.
ISX:AGRO's EV-to-FCF is ranked better than 58.08% of 1195
companies
in the Banks industry
Industry Median: 6.57
vs ISX:AGRO: 4.68
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 Raya Indonesia Tbk (ISX:AGRO) 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 Raya Indonesia Tbk's PE Ratio (TTM) for today is calculated as:
PT Bank Raya Indonesia Tbk's share price for today is Rp141.00.
PT Bank Raya 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 Rp-20.614.
* 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 Raya Indonesia Tbk EV-to-FCF Related Terms
PT Bank Raya 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 Raya Indonesia Tbk EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, PT Bank Raya 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 Raya Indonesia Tbk EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Raya Indonesia Tbk's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PT Bank Raya Indonesia Tbk's EV-to-FCF falls into.
PT Bank Raya Indonesia Tbk's current Enterprise Value is Rp2,657,183 Mil.
PT Bank Raya 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 Rp546,324 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 Raya Indonesia Tbk (ISX:AGRO) has a EV-to-FCF of 4.86 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PT Bank Raya Indonesia Tbk and its competitors. This is 2458% above median its historical median of 0.19. According to the industry distribution chart, PT Bank Raya Indonesia Tbk ranks #501 out of 1195 companies in the Banks industry, placing it in the top 41.9%.
Is PT Bank Raya Indonesia Tbk's EV-to-FCF too high?
PT Bank Raya Indonesia Tbk's current EV-to-FCF of 4.86 is 2458% above median its 10-year median of 0.19. The Banks industry median EV-to-FCF is 6.57. PT Bank Raya Indonesia Tbk's value of 4.86 is 26% below this industry median. Based on the distribution chart, PT Bank Raya Indonesia Tbk ranks #501 out of 1195 companies in the Banks industry, which is above the industry midpoint. Overall, PT Bank Raya Indonesia Tbk has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Raya Indonesia Tbk's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, PT Bank Raya Indonesia Tbk ranks #501 out of 1195 companies for EV-to-FCF. This puts PT Bank Raya Indonesia Tbk in the upper half of its industry. The industry median EV-to-FCF is 6.57. PT Bank Raya Indonesia Tbk's value of 4.86 is 26% below this benchmark. While the company's 10-year median is 0.19 vs. the industry median of 6.57, PT Bank Raya Indonesia 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 1,195 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 Raya Indonesia Tbk's current EV-to-FCF of 4.86 is 26% 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 Raya 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 Raya Indonesia Tbk's current EV-to-FCF is 4.86, which is 2458% above median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Raya Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk (ISX:AGRO) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp209.76, compared to a current price of Rp141.00 — trading 32.8% below its estimated fair value. The current EV-to-FCF is 4.86, which is 2458% above median its 10-year median of 0.19 and 26% below the Banks industry median of 6.57. PT Bank Raya Indonesia Tbk's overall GF Score™ is 56/100 with 1 warning sign 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 Raya Indonesia Tbk (ISX:AGRO), the current EV-to-FCF is 4.86 as of Jul. 07, 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 Raya Indonesia Tbk (ISX:AGRO) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp141.00 is trading 32.8% below its estimated GF Value™ of Rp209.76.
GuruFocus considers PT Bank Raya Indonesia Tbk to be Significantly Undervalued.
Key valuation signals for ISX:AGRO:
EV-to-FCF: 4.86 (2458% above median its 10-year median of 0.19)
GF Value™: Rp209.76 vs. price of Rp141.00 (32.8% below fair value)
Industry Position: 26% below the Banks median (#501 of 1195)
No single metric tells the full story. See the ISX:AGRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Raya Indonesia Tbk is an Indonesian banking corporation. The company provides services of savings deposits, demand deposits, time deposits, cash management, lending services, and other credit facilities. Its operating segments are Consumer, Retail, Middle, and Others. The bank generates its revenues in the form of interest income.
56GF Score
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