PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) FCF Margin %: -438.81% (As of Mar. 2026)


STU:TA2 PT Bank Tabungan Negara (Persero) Tbk STU:TA2
81 GF Score
Price €0.04
GF Value €0.07
! 3 Warning Signs
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What is PT Bank Tabungan Negara (Persero) Tbk FCF Margin %?

PT Bank Tabungan Negara (Persero) Tbk STU:TA2 81 FCF Margin % is -438.81% as of Mar. 2026. GuruFocus rates STU:TA2 with a GF Score™ of 81/100 and a GF Value™ of €0.07. The stock has 3 warning signs investors should review. Among 1,505 Banks companies, PT Bank Tabungan Negara (Persero) Tbk ranks worse than 68.37% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PT Bank Tabungan Negara (Persero) Tbk's Free Cash Flow for the three months ended in Mar. 2026 was €-1,107 Mil. PT Bank Tabungan Negara (Persero) Tbk's Revenue for the three months ended in Mar. 2026 was €252 Mil. Therefore, PT Bank Tabungan Negara (Persero) Tbk's FCF Margin % for the quarter that ended in Mar. 2026 was -438.81%.

As of today, PT Bank Tabungan Negara (Persero) Tbk's current FCF Yield % is 11.40%.

The historical rank and industry rank for PT Bank Tabungan Negara (Persero) Tbk's FCF Margin % or its related term are showing as below:

STU:TA2' s FCF Margin % Range Over the Past 10 Years
Min: -139.73   Med: 13.95   Max: 233.75
Current: 10.99


During the past 13 years, the highest FCF Margin % of PT Bank Tabungan Negara (Persero) Tbk was 233.75%. The lowest was -139.73%. And the median was 13.95%.

STU:TA2's FCF Margin % is ranked worse than
68.37% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs STU:TA2: 10.99


PT Bank Tabungan Negara (Persero) Tbk FCF Margin % Related Terms


PT Bank Tabungan Negara (Persero) Tbk FCF Margin % Historical Data

* Premium members only.

The historical data trend for PT Bank Tabungan Negara (Persero) 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 Bank Tabungan Negara (Persero) Tbk FCF Margin % Chart

PT Bank Tabungan Negara (Persero) Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 61.21 1.37 26.53 -70.94 105.74

PT Bank Tabungan Negara (Persero) 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 -22.47 159.15 512.89 -123.48 -438.81

PT Bank Tabungan Negara (Persero) Tbk FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, PT Bank Tabungan Negara (Persero) 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 Tabungan Negara (Persero) Tbk FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Tabungan Negara (Persero) Tbk's FCF Margin % distribution charts can be found below:

* The bar in red indicates where PT Bank Tabungan Negara (Persero) Tbk's FCF Margin % falls into.


STU:TA2
81GF Score
PT Bank Tabungan Negara (Persero) Tbk STU:TA2
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Tabungan Negara (Persero) Tbk FCF Margin % Calculation

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

PT Bank Tabungan Negara (Persero) 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 )
=1147.579/1085.3
=105.74 %

PT Bank Tabungan Negara (Persero) 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 )
=-1106.597/252.18
=-438.81 %

* 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 -438.81% mean?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a FCF Margin % of -438.81% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Bank Tabungan Negara (Persero) Tbk and its competitors. According to the industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #1029 out of 1505 companies in the Banks industry, placing it in the top 68.4%.
Is PT Bank Tabungan Negara (Persero) Tbk's FCF Margin % too high?
PT Bank Tabungan Negara (Persero) Tbk's current FCF Margin % is -438.81%. Based on the distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #1029 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #1029 out of 1505 companies for FCF Margin %. This places PT Bank Tabungan Negara (Persero) Tbk in the lower half of its industry. The industry median FCF Margin % is 26.55. 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 1,505 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. 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 Tabungan Negara (Persero) 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 Bank Tabungan Negara (Persero) Tbk's current FCF Margin % is -438.81%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Tabungan Negara (Persero) Tbk stock overvalued right now?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a current FCF Margin % of -438.81%. The stock's GF Value™ is €0.07, compared to a current price of €0.04 — trading 41.4% below its estimated fair value. The current FCF Margin % is -438.81%. PT Bank Tabungan Negara (Persero) Tbk's overall GF Score™ is 81/100 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 Tabungan Negara (Persero) Tbk (STU:TA2), the current FCF Margin % is -438.81% 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 Bank Tabungan Negara (Persero) Tbk (STU:TA2) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk stock appears to be undervalued. The current stock price of €0.04 is trading 41.4% below its estimated GF Value™ of €0.07.

Key valuation signals for STU:TA2:

  • FCF Margin %: -438.81%
  • GF Value™: €0.07 vs. price of €0.04 (41.4% below fair value)
  • GF Score™: 81/100 with 3 warning signs

No single metric tells the full story. See the STU:TA2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT Bank Tabungan Negara (Persero) Tbk Business Description

Other Exchanges BBTN:Indonesia
Address Jalan Gajah Mada No. 1, Menara BTN, Jakarta, IDN, 10130
PT Bank Tabungan Negara (Persero) Tbk conducts business in the banking sector. Its activities include Collecting funds from the public in the form of savings, current accounts, time deposits, certificates of deposit, distributing funds in the form of credit or financing, issuing and/or carrying out securities transactions. Its products and services are divided into two segments, namely conventional and sharia. Conventional banking consist of Consumer products and Commercial products; and Sharia consist of Sharia Products. Its services include consumer loan products, consumer savings products, and wealth management products.
81GF Score

Get the complete analysis for STU:TA2

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

€0.04
Price
€0.07
GF Value