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PT Bank Central Asia TbkPBCRF 57 Intrinsic Value: Projected FCF is $0.41 as of Sep. 10, 2026. GuruFocus rates PBCRF with a GF Score™ of 57/100 and a GF Value™ of $0.56 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,293 Banks companies, PT Bank Central Asia Tbk ranks worse than 72.85% on this metric.
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 Central Asia Tbk's Intrinsic Value: Projected FCF or its related term are showing as below:
PBCRF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.68 Med: 1.38 Max: 1.81
Current: 0.92
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of PT Bank Central Asia Tbk was 1.81. The lowest was 0.68. And the median was 1.38.
PBCRF's Price-to-Projected-FCF is ranked worse than 72.85% of 1293
companies
in the Banks industry
Industry Median: 0.6
vs PBCRF: 0.92
PT Bank Central Asia Tbk (OTCPK:PBCRF) 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 Central Asia 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
=
0.3787
/
0.44750599354472
=
0.85
* 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 Central Asia Tbk Intrinsic Value: Projected FCF Related Terms
PT Bank Central Asia Tbk Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for PT Bank Central Asia 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 Central Asia Tbk Intrinsic Value: Projected FCF Chart
PT Bank Central Asia Tbk Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, PT Bank Central Asia 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 Central Asia Tbk Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Central Asia Tbk's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where PT Bank Central Asia Tbk's Price-to-Projected-FCF falls into.
PT Bank Central Asia 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 $0.41 mean?
PT Bank Central Asia Tbk (PBCRF) has a Intrinsic Value: Projected FCF of $0.41 as of Sep. 10, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on PT Bank Central Asia Tbk and its competitors. According to the industry distribution chart, PT Bank Central Asia Tbk ranks #942 out of 1293 companies in the Banks industry, placing it in the top 72.9%.
Is PT Bank Central Asia Tbk's Intrinsic Value: Projected FCF too high?
PT Bank Central Asia Tbk's current Intrinsic Value: Projected FCF is $0.41. The Banks industry median Intrinsic Value: Projected FCF is 0.60. PT Bank Central Asia Tbk's value of $0.41 is 31.7% below this industry median. Based on the distribution chart, PT Bank Central Asia Tbk ranks #942 out of 1293 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Central Asia Tbk has a GF Score™ of 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Central Asia Tbk's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, PT Bank Central Asia Tbk ranks #942 out of 1293 companies for Intrinsic Value: Projected FCF. This places PT Bank Central Asia Tbk in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. PT Bank Central Asia Tbk's value of $0.41 is 31.7% below this benchmark. 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 1,293 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. PT Bank Central Asia Tbk's current Intrinsic Value: Projected FCF of $0.41 is 31.7% below 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 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 Central Asia 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 Central Asia Tbk's current Intrinsic Value: Projected FCF is $0.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Central Asia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Central Asia Tbk (PBCRF) is currently considered Significantly Undervalued. The stock's GF Value™ is $0.56, compared to a current price of $0.38 — trading 32.4% below its estimated fair value. The current Intrinsic Value: Projected FCF is $0.41 and 31.7% below the Banks industry median of 0.60. PT Bank Central Asia Tbk's overall GF Score™ is 57/100 with 3 warning signs 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 Central Asia Tbk (PBCRF), the current Intrinsic Value: Projected FCF is $0.41 as of Sep. 10, 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 Central Asia Tbk (PBCRF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Central Asia Tbk stock appears to be undervalued.
The current stock price of $0.38 is trading 32.4% below its estimated GF Value™ of $0.56.
GuruFocus considers PT Bank Central Asia Tbk to be Significantly Undervalued.
Key valuation signals for PBCRF:
Intrinsic Value: Projected FCF: $0.41
GF Value™: $0.56 vs. price of $0.38 (32.4% below fair value)
Industry Position: 31.7% below the Banks median (#942 of 1293)
No single metric tells the full story. See the PBCRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Central Asia Tbk is an Indonesia-based banking service provider operating as a Sharia bank. The bank provides various financial solutions to its customers through its inter-branch links, ATM network, and electronic banking services. It offers loans, deposit accounts, mutual fund investments, fixed income products, and credit facilities, among other banking products and services. Its segments are Loans, which derives maximum revenue, Treasury, and Others. The customer base mainly includes individuals, small and medium businesses, and corporations. Its business segment is classified into five geographic areas, which are Sumatera, Java, Kalimantan, East Indonesia, and overseas operations.
57GF Score
Get the complete analysis for PBCRF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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