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* 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 FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Pan 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 Bank Pan Indonesia Tbk FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Pan Indonesia Tbk's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Pan Indonesia Tbk's FCF Margin % falls into.
* 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 (STU:PTQ) has a FCF Margin % of 301.57% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Bank Pan Indonesia Tbk and its competitors. This is 2811% above median its historical median of 10.36. According to the industry distribution chart, PT Bank Pan Indonesia Tbk ranks #243 out of 1500 companies in the Banks industry, placing it in the top 16.2%.
Is PT Bank Pan Indonesia Tbk's FCF Margin % too high?
PT Bank Pan Indonesia Tbk's current FCF Margin % of 301.57% is 2811% above median its 10-year median of 10.36. The Banks industry median FCF Margin % is 26.40. PT Bank Pan Indonesia Tbk's value of 301.57% is 1042.5% above this industry median. Based on the distribution chart, PT Bank Pan Indonesia Tbk ranks #243 out of 1500 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Pan Indonesia Tbk has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pan Indonesia Tbk's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Pan Indonesia Tbk ranks #243 out of 1500 companies for FCF Margin %. This places PT Bank Pan Indonesia Tbk in the top 16% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.40. PT Bank Pan Indonesia Tbk's value of 301.57% is 1042.5% above this benchmark. While the company's 10-year median is 10.36 vs. the industry median of 26.40, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.40, based on 1,500 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 Bank Pan Indonesia Tbk's current FCF Margin % of 301.57% is 1042.5% 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 Bank Pan Indonesia Tbk and its competitors. For the Banks industry, the median FCF Margin % is 26.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Pan Indonesia Tbk's current FCF Margin % is 301.57%, which is 2811% above median its own 10-year median of 10.36. 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 (STU:PTQ) has a current FCF Margin % of 301.57%. The stock's GF Value™ is €0.05, compared to a current price of €0.04 — trading 28% below its estimated fair value. The current FCF Margin % is 301.57%, which is 2811% above median its 10-year median of 10.36 and 1042.5% above the Banks industry median of 26.40. PT Bank Pan Indonesia Tbk's overall GF Score™ is 60/100 with 3 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 Bank Pan Indonesia Tbk (STU:PTQ), the current FCF Margin % is 301.57% as of Jun. 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 (STU: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 28% below its estimated GF Value™ of €0.05.
Key valuation signals for STU:PTQ:
FCF Margin %: 301.57% (2811% above median its 10-year median of 10.36)
GF Value™: €0.05 vs. price of €0.04 (28% below fair value)
Industry Position: 1042.5% above the Banks median (#243 of 1500)
No single metric tells the full story. See the STU: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.
60GF Score
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