PT Bank Pan Indonesia Tbk (FRA:PTQ) FCF Yield %: 10.85 (As of Jul. 01, 2026) — 45% Above Median


FRA:PTQ PT Bank Pan Indonesia Tbk FRA:PTQ
62 GF Score
Price €0.04
GF Value €0.05
! 2 Warning Signs
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What is PT Bank Pan Indonesia Tbk FCF Yield %?

PT Bank Pan Indonesia Tbk FRA:PTQ -1.37% 62 FCF Yield % is 10.85 as of Jul. 01, 2026, which is 45% above its 10-year median of 7.47. 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 1,505 Banks companies, PT Bank Pan Indonesia Tbk ranks better than 61.66% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, PT Bank Pan Indonesia Tbk's Trailing 12-Month Free Cash Flow is €120.6 Mil, and Market Cap is €1,038.8 Mil. Therefore, PT Bank Pan Indonesia Tbk's FCF Yield % for today is 10.85%.

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

FRA:PTQ' s FCF Yield % Range Over the Past 10 Years
Min: -59.07   Med: 7.47   Max: 189.51
Current: 10.85


During the past 13 years, the highest FCF Yield % of PT Bank Pan Indonesia Tbk was 189.51%. The lowest was -59.07%. And the median was 7.47%.

FRA:PTQ's FCF Yield % is ranked better than
61.66% of 1505 companies
in the Banks industry
Industry Median: 8.23 vs FRA:PTQ: 10.85

PT Bank Pan Indonesia Tbk's FCF Margin % for the quarter that ended in Mar. 2026 was -200.70%.


PT Bank Pan Indonesia Tbk FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


PT Bank Pan Indonesia Tbk FCF Yield % Related Terms


PT Bank Pan Indonesia Tbk FCF Yield % Historical Data

* Premium members only.

The historical data trend for PT Bank Pan Indonesia Tbk's FCF Yield % 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 Pan Indonesia Tbk FCF Yield % Chart

PT Bank Pan Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 17.43 -1.65 16.69 43.77 -10.46

PT Bank Pan 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 Yield % 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 -106.02 16.52 21.23 92.43 -106.71

PT Bank Pan Indonesia Tbk FCF Yield % Competitor Comparison

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

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

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


FRA:PTQ
62GF Score
PT Bank Pan Indonesia Tbk FRA:PTQ
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Pan Indonesia Tbk FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

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

FCF Yield %=Free Cash Flow / Market Cap
=-118.394 / 1131.378031
=-10.46%

PT Bank Pan Indonesia Tbk's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=-263.291 * 4 / 986.946793
=-106.71%

* 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 Yield % →
What does a FCF Yield % of 10.85 mean?
PT Bank Pan Indonesia Tbk (FRA:PTQ) has a FCF Yield % of 10.85 as of Jul. 01, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on PT Bank Pan Indonesia Tbk and its competitors. This is 45% above median its historical median of 7.47. According to the industry distribution chart, PT Bank Pan Indonesia Tbk ranks #577 out of 1505 companies in the Banks industry, placing it in the top 38.3%.
Is PT Bank Pan Indonesia Tbk's FCF Yield % too high?
PT Bank Pan Indonesia Tbk's current FCF Yield % of 10.85 is 45% above median its 10-year median of 7.47. The Banks industry median FCF Yield % is 8.23. PT Bank Pan Indonesia Tbk's value of 10.85 is 31.8% above this industry median. Based on the distribution chart, PT Bank Pan Indonesia Tbk ranks #577 out of 1505 companies in the Banks industry, which is above 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 FCF Yield % compare to competitors?
According to the Banks industry distribution chart, PT Bank Pan Indonesia Tbk ranks #577 out of 1505 companies for FCF Yield %. This puts PT Bank Pan Indonesia Tbk in the upper half of its industry. The industry median FCF Yield % is 8.23. PT Bank Pan Indonesia Tbk's value of 10.85 is 31.8% above this benchmark. While the company's 10-year median is 7.47 vs. the industry median of 8.23, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.23, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % 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 Yield % of 10.85 is 31.8% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on PT Bank Pan Indonesia Tbk and its competitors. For the Banks industry, the median FCF Yield % is 8.23 — 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 Yield % is 10.85, which is 45% above median its own 10-year median of 7.47. 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 FCF Yield % of 10.85. 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 Yield % is 10.85, which is 45% above median its 10-year median of 7.47 and 31.8% above the Banks industry median of 8.23. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For PT Bank Pan Indonesia Tbk (FRA:PTQ), the current FCF Yield % is 10.85 as of Jul. 01, 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 28% below its estimated GF Value™ of €0.05.

Key valuation signals for FRA:PTQ:

  • FCF Yield %: 10.85 (45% above median its 10-year median of 7.47)
  • GF Value™: €0.05 vs. price of €0.04 (28% below fair value)
  • GF Score™: 62/100 with 2 warning signs
  • Industry Position: 31.8% above the Banks median (#577 of 1505)

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 Business Description

Other Exchanges PNBN:Indonesia
Address Jalan l. Jendral Sudirman Kav. 1, Panin Bank Center, Senayan, Jakarta, IDN, 10270
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

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

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