PT Krom Bank Indonesia Tbk (ISX:BBSI) FCF Margin %: 73.17% (As of Mar. 2026)


ISX:BBSI PT Krom Bank Indonesia Tbk ISX:BBSI
60 GF Score
Price Rp4,750.00
GF Value Rp11,577.25
Valuation Significantly Undervalued
! 2 Warning Signs
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What is PT Krom Bank Indonesia Tbk FCF Margin %?

PT Krom Bank Indonesia Tbk ISX:BBSI 60 FCF Margin % is 73.17% as of Mar. 2026. GuruFocus rates ISX:BBSI with a GF Score™ of 60/100 and a GF Value™ of Rp11,577.25 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,509 Banks companies, PT Krom Bank Indonesia Tbk ranks worse than 60.9% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PT Krom Bank Indonesia Tbk's Free Cash Flow for the three months ended in Mar. 2026 was Rp473,911 Mil. PT Krom Bank Indonesia Tbk's Revenue for the three months ended in Mar. 2026 was Rp647,643 Mil. Therefore, PT Krom Bank Indonesia Tbk's FCF Margin % for the quarter that ended in Mar. 2026 was 73.17%.

As of today, PT Krom Bank Indonesia Tbk's current FCF Yield % is 2.17%.

The historical rank and industry rank for PT Krom Bank Indonesia Tbk's FCF Margin % or its related term are showing as below:

ISX:BBSI' s FCF Margin % Range Over the Past 10 Years
Min: -954.07   Med: -90.26   Max: 47.44
Current: 17.38


During the past 7 years, the highest FCF Margin % of PT Krom Bank Indonesia Tbk was 47.44%. The lowest was -954.07%. And the median was -90.26%.

ISX:BBSI's FCF Margin % is ranked worse than
60.9% of 1509 companies
in the Banks industry
Industry Median: 26.55 vs ISX:BBSI: 17.38


PT Krom Bank Indonesia Tbk FCF Margin % Related Terms


PT Krom Bank Indonesia Tbk FCF Margin % Historical Data

* Premium members only.

The historical data trend for PT Krom Bank Indonesia Tbk's FCF Margin % 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 Krom Bank Indonesia Tbk FCF Margin % Chart

PT Krom Bank Indonesia Tbk Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial -954.07 -510.79 -33.14 47.44 5.37

PT Krom Bank Indonesia Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 58.74 -94.19 28.78 23.78 73.17

PT Krom Bank Indonesia Tbk FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, PT Krom Bank Indonesia Tbk's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 Krom Bank Indonesia Tbk FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, PT Krom Bank Indonesia Tbk's FCF Margin % distribution charts can be found below:

* The bar in red indicates where PT Krom Bank Indonesia Tbk's FCF Margin % falls into.


ISX:BBSI
60GF Score
PT Krom Bank Indonesia Tbk ISX:BBSI
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Krom Bank Indonesia Tbk FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

PT Krom Bank Indonesia Tbk's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=99853.163/1860648.854
=5.37 %

PT Krom Bank Indonesia Tbk's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=473910.557/647642.587
=73.17 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 73.17% mean?
PT Krom Bank Indonesia Tbk (ISX:BBSI) has a FCF Margin % of 73.17% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Krom Bank Indonesia Tbk and its competitors. According to the industry distribution chart, PT Krom Bank Indonesia Tbk ranks #919 out of 1509 companies in the Banks industry, placing it in the top 60.9%.
Is PT Krom Bank Indonesia Tbk's FCF Margin % too high?
PT Krom Bank Indonesia Tbk's current FCF Margin % is 73.17%. The Banks industry median FCF Margin % is 26.55. PT Krom Bank Indonesia Tbk's value of 73.17% is 175.6% above this industry median. Based on the distribution chart, PT Krom Bank Indonesia Tbk ranks #919 out of 1509 companies in the Banks industry, which is below the industry midpoint. Overall, PT Krom Bank Indonesia Tbk has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Krom Bank Indonesia Tbk's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, PT Krom Bank Indonesia Tbk ranks #919 out of 1509 companies for FCF Margin %. This places PT Krom Bank Indonesia Tbk in the lower half of its industry. The industry median FCF Margin % is 26.55. PT Krom Bank Indonesia Tbk's value of 73.17% is 175.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Krom Bank Indonesia Tbk's current FCF Margin % of 73.17% is 175.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Krom Bank Indonesia Tbk and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Krom Bank Indonesia Tbk's current FCF Margin % is 73.17%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Krom Bank Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Krom Bank Indonesia Tbk (ISX:BBSI) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp11,577.25, compared to a current price of Rp4,750.00 — trading 59% below its estimated fair value. The current FCF Margin % is 73.17% and 175.6% above the Banks industry median of 26.55. PT Krom Bank Indonesia Tbk's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PT Krom Bank Indonesia Tbk (ISX:BBSI), the current FCF Margin % is 73.17% 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 Krom Bank Indonesia Tbk (ISX:BBSI) Overvalued in 2026?

Based on GuruFocus' analysis, PT Krom Bank Indonesia Tbk stock appears to be undervalued. The current stock price of Rp4,750.00 is trading 59% below its estimated GF Value™ of Rp11,577.25. GuruFocus considers PT Krom Bank Indonesia Tbk to be Significantly Undervalued.

Key valuation signals for ISX:BBSI:

  • FCF Margin %: 73.17%
  • GF Value™: Rp11,577.25 vs. price of Rp4,750.00 (59% below fair value)
  • GF Score™: 60/100 with 2 warning signs
  • Industry Position: 175.6% above the Banks median (#919 of 1509)

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


PT Krom Bank Indonesia Tbk Business Description

Address Jl. Gatot Subroto No. Kav. 50-52, Dipo Tower Building, Lantai 9, Petamburan, Tanah Abang District, Jakarta, IDN, 10260
PT Krom Bank Indonesia Tbk operates as a bank in Indonesia. Its activities is to conduct business as a non-foreign exchange private commercial bank. It offers products and services to customers, ranging from savings, Time deposit, Chrome credit, and funding products to various other banking services. The bank has two business segments based on location Bandung and Jakarta.
60GF Score

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

Rp4,750.00
Price
Rp11,577.25
GF Value