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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for PT Bank QNB Indonesia Tbk's Intrinsic Value: Projected FCF or its related term are showing as below:
ISX:BKSW'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.71 Med: 1.35 Max: 75.71
Current: 8.16
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of PT Bank QNB Indonesia Tbk was 75.71. The lowest was 0.71. And the median was 1.35.
ISX:BKSW's Price-to-Projected-FCF is ranked worse than 99.39% of 1301
companies
in the Banks industry
Industry Median: 0.6
vs ISX:BKSW: 8.16
PT Bank QNB Indonesia Tbk (ISX:BKSW) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
PT Bank QNB Indonesia Tbk's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
54.00
/
6.6183734896811
=
8.16
* 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 QNB Indonesia Tbk Intrinsic Value: Projected FCF Related Terms
PT Bank QNB Indonesia Tbk Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for PT Bank QNB Indonesia Tbk's Intrinsic Value: Projected FCF 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 QNB Indonesia Tbk Intrinsic Value: Projected FCF Chart
PT Bank QNB Indonesia Tbk Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, PT Bank QNB Indonesia Tbk's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 QNB Indonesia Tbk Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank QNB Indonesia Tbk's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where PT Bank QNB Indonesia Tbk's Price-to-Projected-FCF falls into.
PT Bank QNB Indonesia Tbk Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of Rp6.62 mean?
PT Bank QNB Indonesia Tbk (ISX:BKSW) has a Intrinsic Value: Projected FCF of Rp6.62 as of Sep. 14, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on PT Bank QNB Indonesia Tbk and its competitors. According to the industry distribution chart, PT Bank QNB Indonesia Tbk ranks #1293 out of 1301 companies in the Banks industry, placing it in the top 99.4%.
Is PT Bank QNB Indonesia Tbk's Intrinsic Value: Projected FCF too high?
PT Bank QNB Indonesia Tbk's current Intrinsic Value: Projected FCF is Rp6.62. Based on the distribution chart, PT Bank QNB Indonesia Tbk ranks #1293 out of 1301 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank QNB Indonesia Tbk has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank QNB Indonesia Tbk's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, PT Bank QNB Indonesia Tbk ranks #1293 out of 1301 companies for Intrinsic Value: Projected FCF. This places PT Bank QNB Indonesia Tbk in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on PT Bank QNB Indonesia Tbk and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank QNB Indonesia Tbk's current Intrinsic Value: Projected FCF is Rp6.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank QNB Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank QNB Indonesia Tbk (ISX:BKSW) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp47.37, compared to a current price of Rp54.00 — trading 14% above its estimated fair value. The current Intrinsic Value: Projected FCF is Rp6.62. PT Bank QNB Indonesia Tbk's overall GF Score™ is 51/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For PT Bank QNB Indonesia Tbk (ISX:BKSW), the current Intrinsic Value: Projected FCF is Rp6.62 as of Sep. 14, 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 QNB Indonesia Tbk (ISX:BKSW) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank QNB Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp54.00 is trading 14% above its estimated GF Value™ of Rp47.37.
GuruFocus considers PT Bank QNB Indonesia Tbk to be Modestly Overvalued.
Key valuation signals for ISX:BKSW:
Intrinsic Value: Projected FCF: Rp6.62
GF Value™: Rp47.37 vs. price of Rp54.00 (14% above fair value)
No single metric tells the full story. See the ISX:BKSW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank QNB Indonesia Tbk is a financial institution engaged in providing personal banking and wholesale banking services, including savings accounts, deposits, demand deposits, term deposits, current accounts, and cash management. It also offers loans and advances, overdrafts, credit facilities, borrowings, and other credit facilities. In addition, it offers services of debit and credit cards, safe deposit boxes, export-import services, fund transfer, and related services. The group operates its business in the lines of Credit, Treasury, and Trade Finance. The majority of the company's revenue comprises interest and dividend income, fees, and commission received from domestic business. The company has divided its operations into several regions: Jakarta, Sumatra, Java, & the East Region.
51GF Score
Get the complete analysis for ISX:BKSW
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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